Prologue - The foundations for change

Throughout financial history, change has often been documented either as a rapid, disruptive thing or something more insidious and subtle that takes its time to truly settle. For evidence of the former, we only need to look to the disruption of the humble debit card, which was first introduced to the UK in 1987 and transformed the market almost overnight. For the latter, meanwhile, we can look to the rise in mobile banking and fintech that has been slowly moving the ground beneath our feet for the best part of a decade.


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