The Financial News and WSJD inaugural Fintech Conference in London. Here are some of the key innovations they came up with: 1. Banks and financial services firms will revolve around customers’ choices. 2. The banks of the future will be on mobile phones. 3. There will be robot advisers that stop you from making unsound financial choices, in real time.  4. Powerful algorithms will monitor the behavior of a bank’s data. 5. Banks could become identity brokers 6. Banks will be replaced by platforms that are run almost entirely by algorithms and robots 7. The bank account of the future will be bank-agnostic 8. Blockchain technology will be widely used to distribute, verify and record a wide-range of financial services, making the financial system more decentralized.

http://blogs.wsj.com/digits/2014/10/29/10-innovations-for-the-bank-of-the-future/