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6. IBM could be a wild card in the finance sector. Talk of IBM as a potential candidate to take over UK financial services mobile software company Monitise emerged earlier this year. In January, Monitise said it was reviewing its options, including the possibility of being taken over.More recently, it has emerged that IBM has held informal talks with some central banks about building an infrastructure to provide them with digital cash and payments systems using the same underlying technology as virtual currency bitcoin.
According to a Reuters report, IBM could adopt the blockchain ledger – which records transactions and is the technology that underpins bitcoin – and apply it to major world currencies. Gareth Lodge, analyst at Celent, said: ”I think IBM understand both parts – the technology and the needs. But without getting the requisite central bank blessings, then the work may prove academic.” The future Future retail financial services could see consumers using providers in multiples of ten. Technology will make it easy to sign up and equally easy to change.
The high-street giants that have dominated retail banking might become the scavengers of tomorrow as more agile competitors adapt more quickly to changing consumer and business demand.”The age of the dinosaurs is over,” said one senior IT source in the UK banking sector. ”I think banking will change from a few big firms to a multitude of smaller companies in the next few years. I think regulators and governments also want that to happen.“I am sure we are at an event horizon with the big banks.**
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