Banks have long cultivated the image of stability with marble counters and mahogany desks, indicating a sense of permanence.

As Steve Jobs famously said "Some people say give customers what they want, but that's not my approach. My job is to figure out what they are going to want before they do.

Typically, banks make their money off the top 20% of customers and lose money on the bottom 20%.

Pre-paid debit cards are the fastest growing deposit product in countries like the United States and China today. In the US healthy 25% year-on-year growth the last 4 years now amounts to $350 Billion dollar annual business.

It is an old cliche that is proving to be untrue. But the trick to money buying happiness may not lie in how much money we have, but in how and when we spend it.

We are now in a time when interface is a more common experience than face to face. It is faster, easier, and simpler... or at least it should be.

After the banking crisis of 2008 and the lingering effects on the economy, people have felt a mistrust in their banks and communities.

Pre-paid debit cards are the fastest growing deposit product in countries like the United States and China today. In the US healthy 25% year-on-year growth the last 4 years now amounts to $350 Billion dollar annual business.