In his 1982 film, Blade Runner, Sir Ridley Scott portrayed 2019 as a world dominated by artificial intelligence (AI) and technology, eliminating a number of roles performed by humans. This article in no way prophesises Ridley-Scott’s dark neo-noir picture, but warns readers to not underestimate the development of “FinTech”. Technological developments will provide automated personalised financial advice, more efficient clearing and settlement processes and easier payment methods for consumers. Financial institutions should view these developments…