This book talks about how to exploit business and service design techniques for business advantage in the financial sector. It does so, not through the theory but rather through how to deal with the enduring business issues and by addressing practical problems. The business issues that banks are using this new technology to address are long lasting. Hence the need to look at:

• how banks exploit the opportunities created by this new technology and

• how the banks will function differently.

These business issues are faced by both established banks and the relatively new Fintech sector. Fintechs have the advantage of being end-to-end designed from the outset but do not have the brand or depth of data available to established playe...