How would you like to have your own personal banker? The traditional model of banks as a store of value and source of liquidity, and of bankers as trusted personal financial advisors, is under threat like never before. We discuss the range of these threats with Alec McLaurin, MBA student and then look at how one bank in America is find opportunities amongst the threats with Steve Gotz, former COO and co-founder of Pivotus - the innovation arm of Umpqua Bank.