Banks and financial institutions perform an essential function in a modern economy, linking together customers that have capital deficits and customers with capital surpluses. Nowadays, there is a creative destruction that incessantly revolutionizes the economic structure "from within, incessantly destroying the old one, incessantly creating a new one" - Joseph Schumpeter dixit. A decade after the financial crisis began in 2007, and after a massive and very costly clean-up and recapitalization, the global banking industry is passing through an even more disruptive stage. Exponential...