The Future of Banking in an Era of Digital

Disruption

2© JP Nicols, 2012-13

Undefeated*

2

3© JP Nicols, 2012-13

Gatekeepers

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Threat of New Entry

Supplier Power

BuyerPower

Threat of Substitution

Competitive Rivalry

Porter’s Five Forces

5

Our Maps Don’t Match the Landscape

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New Landscape

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Rebar Stage

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Fintech is Hot

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Our Own Kodak Moment?