


From the author with the most bestselling titles in Banking over the last decade: Brett King
Bank 4.0 his last banking book has been #1 on Amazon’s Banking Bestseller’s list for more than 6 years!
The first publication to identify “Peak Branch” for
the global banking sector
Who is winning the battle for consumers?
Top-20 Retail Fintechs with 4.1 Bn customers
Top-20 Retail Banks with just 2.7 Bn customers
Which is the last G20 Economy where
branches are still growing, and why?
About the Author and Contributors

Brett King
Brett King is a Top-10 Global Futurist, bestselling author, and leading media voice on the future of finance and technology. His books Augmented, Bank 4.0, and The Rise of Technosocialism have shaped global policy—Augmented was even cited by President Xi Jinping on AI. A sought-after keynote speaker, King has appeared at the World Government Summit, TED, CES, SIBOS, and more, and on major outlets including CNBC, BBC, Bloomberg, and FOX.
He founded Moven, the first mobile banking app with in-app account opening, and created the Futurist X Summit in Dubai. He also hosts two #1 ranked podcasts—Breaking Banks (12M downloads across 180 countries) and The Futurists. Recognized as “King of the Disruptors” by Banking Exchange and named the world’s #1 financial services influencer by The Financial Brand, King was inducted into the Fintech Hall of Fame in 2020. His latest venture applies AI to democratize oral healthcare.

Efi Pylarinou
Dr. Efi Pylarinou is a seasoned Wall Streeter turned Top Global Fintech & Tech Thought Leader. A domain expert with a Ph.D. in Finance and Faculty at Fast Future Executive, she is trusted by global brands for her influencer and business development services.
She is a Top LinkedIn Voice with more than 200,000 followers and has been included in several global rankings. Dr. Pylarinou is the founder of the Financial Services Intelligence Hub (FS i-Hub), the host of Conversations & Insights, and a co-author of several books—including Fast Future Blur (Wiley, 2024).

Jim Marous
Named as one of the most influential people in banking and a Top 5 banking and fintech Influencer to follow, Jim Marous is an internationally recognized financial industry strategist, co-publisher of The Financial Brand, owner and publisher of the Digital Banking Report, and host of the top retail banking podcast, Banking Transformed.
Marous advises on innovation, portfolio growth, customer experience, marketing strategies, channel shift, payments and digital transformation within the financial services industry.
As a sought after keynote speaker, author and recognized authority on disruption in the financial services industry, Marous has been featured by CNBC and CNN, The Wall Street Journal, New York Times, The Financial Times, The Economist, and The American Banker and has spoken to audiences worldwide. Jim has also advised the White House on banking policy.

Paolo Sironi
Paolo Sironi is the global thought leader in banking and financial markets at IBM Institute for Business Value. A trailblazer in fintech, Paolo’s insights resonate across the industry, making him one of the most respected voices in the field. As the host of THE BANKERS’ BOOKSHELF podcast, he brings cutting-edge research to life, sharing the stories and strategies behind financial innovation.
With a career spanning from start-up entrepreneurship to leading quantitative risk management departments in investment banking, Paolo’s expertise bridges the gap between technology and finance. His groundbreaking books, including the Amazon bestseller "Banks and Fintech on Platform Economies", have become essential reading for professionals navigating the evolving financial landscape.
For more insights and updates, visit thePSironi.com – where banking, fintech, and innovation converge.

Richard Turrin
Rich Turrin Is The International Best-Selling Author Of “Cashless – China’s Digital Currency Revolution” And “Innovation Lab Excellence.”
He is the No. 4 ranked global fintech influencer on the prestigious Onalytica ranking and an award-winning executive previously heading fintech teams at IBM following a twenty-year career in investment banking.
Living in Shanghai for the last decade, Rich experienced China going cashless first-hand and has a unique combination of banking and technology skills that allow him to bring the exciting story to life. In addition, Rich is an independent consultant whose views on China’s astounding fintech developments are widely sought by international media and private clients.

Bruno Diniz
Bruno Diniz is a Managing Partner at Spiralem Innovation Consulting, an Independent Board Member at Open Finance Brasil, and a Financial Innovation professor in the MBA programs at the University of São Paulo (USP). For over a decade, he has been dedicated to promoting and advancing financial innovation across Latin America. He is also the host of the Fintech Talks Podcast, an international speaker, and bestselling author of "The Fintech Phenomenon", "The New Financial Logic", and "The Age of Cryptoeconomics".

Still betting your future on branches, while the world moves on without you?
The financial world is evolving faster than most institutions can keep up. Traditional banks are being outpaced by digital-native fintechs.
Mobile wallets, crypto, AI, and embedded finance are rewriting the rules. If your strategy still revolves around physical foot traffic and legacy systems, you’re not just falling behind, you're risking irrelevance.

Discover what it really takes to stay relevant
The Branches of Tomorrow reveals why digital-first isn’t a trend — it’s the new baseline for survival.
Co-authored by Brett King — the #1 bestselling author behind Bank 4.0 — this book delivers unmatched insight into what’s next for banking, finance, and the global economy.
Who’s winning the battle for consumers (and who’s losing)
Where branches are dying — and where they’re growing
Why legacy models are collapsing, and what replaces them
The truth about AI, mobile wallets, crypto, and embedded finance
Real-world strategies to help your institution stay competitive