The future is uncertain. However, if you could identify the most critical things likely to occur in the future today, then you could capitalise commercially upon the opportunities presented. So that's what this book is all about: what are the most critical things that will occur in banking tomorrow that, if you invest in them today, mean that you can make your fortune. A simple enough premise, and one that I hold to be very true. So, if you want to work out how to the most successful bank you can be during the next decade, then this is the book for you. The Complete Banker series of books is based upon Chris Skinner's influential blog. The series is split into key themes covering retail, commercial and investment banking and the way they are being changed by economics, politics, technology and society. For the amateur and the expert, the knowledgeable and those seeking knowledge, the Complete Banker series provides you with the truth about the banking. Not just the truth, the whole truth and nothing but the truth ... but the Complete Truth.