Serena, Very well written. As a commercial banker myself, I can see many inefficiencies in my workplace can be solved by the technology easily. However, you are rightly pointed out that Banker is not wired to be innovative. I just remember I recently mentioned “Fintech” to a friend of mine who is holding a senior IT position in a local bank, and his response was “Hopefully I can retire before all these exciting events take place”. Part of his job is to determine how his Bank’s IT budget is spent!