Ron needs no introduction. He’s been studying finserv and fintech for decades and has great insight into the market and consumer behavior. Google Checking is coming, although details are vague. Challenger Banks are nipping at community banks. And PFM still has plenty of life in it as it shifts from a budgeting tool to one that helps shape behavior that supports financial wellness. Follow Ron on twitter at @rshevlin and read his material on Forbes. https://www.forbes.com/sites/ronshevlin/