In a world of little mercy and even littler margins, we have watched them retrench, chasing ever-stricter economies to protect their bottom lines. But there is only so far you can tighten your belt before something spills out. And this is not an outcome banks can afford.

As the digital revolution thunders on, a growing number of competitors pose novel threats – with specialist technology companies and even tech-savvy corporations from other industries waiting in the wings. Talk of disruption is ceaseless, and in these straitened circumstances, banks have no choice but to dismantle their boundaries and find new ways to serve their customers to grow their businesses.

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