Adam Dener
Adam Dener
anybody decided industry level needed question work
The whole industry decided it needed some level of diversification. The question is: Has anybody made that work?
meaningful
It's got to be significant enough and advantaged enough that it would make a meaningful difference.
banks european profitable
The U.S. banks are significantly more profitable than the European banks.
banking best companies models niche practices retail
Retail banking is a distribution game. The models for best practices in distribution are companies like Wal-Mart and the niche retailers.
analog bases cost current disconnect market providers shut today transition
The entrenched providers today will have to shut and write off that infrastructure as you have the transition from analog to digital. Current entrants in the market have a disconnect in their cost bases that new entrants don't have.