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Banking is one (if not the) most creative industry in the world, a biased opinion perhaps, but I believe apt for the question. Technology has provided another avenue for this creativity and it is just starting to be realized. Companies like Rocket Mortgage, Robinhood, Square, Ant Financial, etc. are providing a completely different view on what financial services are, and how they will be delivered. Beyond the pure technology is the impact that it is having on business models of banks and other financial services providers. Banks now make less than half of the mortgage loans in the US for example. The next phase of technology will likely be a little less obvious to consumers, as automation is applied to all types of processes and back office operations. Those companies and individuals with an understanding of technology and financial services will continue to change the way banking is considered Banking can�t survive today without technology. Needless to say, what technology has done to us and how easy the life has become. Let�s go back to the era where there were no ATM�s, can someway tell me how life was at that point of time and how life is today. The same goes for things that we can do online these days; I don�t remember going in the last 4 years. This has all happened because technology is playing a huge role in banking nowadays. You remove the word technology from banking and I can guarantee things will work but the banks will feel paralyzed. This is called impact.