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Bank 3.0- Why banking is no longer somewhere you go, but something you do [Hardcover]

Brett King
4.6 out of 5 stars  See all reviews (10 customer reviews)
RRP: £19.99
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Book Description

1 Nov. 2012
The first edition of BANK 2.0 took the financial services world by storm and became synonymous with disruptive customer behaviour, technology shift and new banking models. In BANK 3.0, Brett King looks at the latest trends that are redefining financial services and payments. From the global scramble for dominance of the mobile wallet, the expectations created by tablet computing, the operationalizing of the cloud and the explosion of social media he explores: How Social Media has exposed pricing, over-regulation, outdated processes and poor policy, How mobile technology is completely changing the context of banking, How customer advocacy is killing traditional brand marketing, The growth of the 'de-banked' consumer who doesn't need a bank at all; and Why Banking is no longer a place you go, but something you do BANK 3.0 shows that the gap between customer and financial services players is rapidly growing, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry.

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Product details

  • Hardcover: 360 pages
  • Publisher: Marshall Cavendish International Asia Pte Ltd (1 Nov. 2012)
  • Language: English
  • ISBN-10: 9814382124
  • ISBN-13: 978-9814382120
  • Product Dimensions: 16 x 3.7 x 23.4 cm
  • Average Customer Review: 4.6 out of 5 stars  See all reviews (10 customer reviews)
  • Amazon Bestsellers Rank: 104,293 in Books (See Top 100 in Books)

Product Description


On the Web and on Mobile, the customer isn't king- he's dictator. Highly impatient, skeptical, cynical. Brett King understands deeply what drives this new hard-nosed customer. Banking professionals would do well to heed his advice --Gerry McGovern, author of Killer Web Content

About the Author

Brett King is the author of the bestselling book Bank 2.0 (2010) and Branch Today, Gone Tomorrow (Jan 2011) and founder of the world s first mobile direct bank Movenbank. He advises the world s biggest banks on innovation, customer experience and distribution strategy.

Customer Reviews

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Top Customer Reviews
2 of 2 people found the following review helpful
Format:Kindle Edition
A welcome expansion on the thoughts written in Bank 2.0, King provides a look into the massive changes in financial services distribution, payments, consumer behavior, competition, engagement and social media integration in Bank 3.0. Filled with case studies and updated market research, King gives another wake-up call to bankers who want to continue to do business the old fashioned way -- with paper, bricks and mortar, vast human resource involvement, inefficiency and less than optimal customer experience. As he states, no longer is banking a place to go to, it is something that is done . . . 24/7 on my terms using my phone, tablet of computer instead of a branch.

An industry futurist, King again provides an in depth look into what is happening today and what we can expect going forward. If it is not on the bookshelf of my banking clients, I will provide it to them since it is a must read for any banker wanting to embrace change and make a difference in their organization and for their customers.
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5.0 out of 5 stars Bu0iness 3.) 2 April 2015
Format:Hardcover|Verified Purchase
Brett King is the author of Bank 2.0, a futurologist, a banking sector specialist and founder of Movenbank. An author that practises what he preaches. When he wrote Bank 2.0, he was ahead of the curve and with Bank 3.0 he jumps even further.

Moore’s law. Gilders’ law and Metcalf’s law

Banking is of particular interest to us (we have a lot of clients in the financial sector), but I think this book is relevant to any industry or business. Brett King takes all the changes in

customer behaviour
social media
and explains how that impacts on banking. All these changes are also impacting on your business. Change at a neck breaking speed. Moore’s law. Gilders’ law and Metcalf’s law (faster, cheaper, smarter combined with network effects) are ensuring an explosive mix of not only a lot of new technology but also ensuring much quicker adoption of new technology by consumers.

Key question 1

A key question for you is how to sync the adoption rate of your clients with your own organisation. Customers don’t care about your million Euro legacy system.

Intelligent, non intrusive permission marketing

Customer service. Digital. Driven by convenience and relevance. Without friction. When and where they want. In context and with an ability to predict, and be precognitive. Preferably on a mobile device and as an app. “New Normal” by Peter Hinssen indeed (

With a social media engagement layer on top. Engagement and dialogue as part of the customer service mix are critical. Why? They are talking about you any way. And engaged clients spend 30% more. Not pursuing a social media strategy will be more expensive that not.
Read more ›
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1 of 1 people found the following review helpful
5.0 out of 5 stars A must read for all Bank execs 17 Jan. 2013
By Michael
As a Gen Y working in the banking sector, Bank 3.0 makes nothing but sense to me. The pity is that too many Bank executives do not understand that their old fashioned way of running a bank is so outdated its like they are driving a Model T when everyone else is driving a Ferrari

As an industry with a lot to answer for, King gives some helpful tips and great case studies to help those wondering why Banking is completely different to the way it was. Today, customers want convenience. They want banking to fit easily into their progressively mobile and digitally centered lives. Banks are now being judged on the ease and speed with which customers can find information, research and buy products, open and access accounts, conduct transactions and get service issues resolved - in short, how easy it is to do banking -- when they need it and from whichever channel or device they prefer.

If a Bank is not embracing this paradigm shift then Bank 3.0 is a useful present to give to your bank manager. Maybe then they might realise that Banking is not somewhere you go (their branch) but something people do, whenever they want, however they want (mobile, ATM, phone, tablet, desktop)
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5.0 out of 5 stars Great book. 30 Oct. 2013
By Yiannis
Format:Hardcover|Verified Purchase
Brett King captures the essence of modern banking in a fascinating narration.
Coupled with examples and how-to guides, this book is a must-have tool in the hands of every manager or professional working in the Financial services industry.
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3 of 4 people found the following review helpful
Whenever I despair at the state of consumer banking I reach for Bank 3.0 to remind me there is a future. Whether that future will include the usual suspects is another matter. Brett King writes about the way banking has to change; in a style that will appeal to anyone with an interest in the future of banking, whether they work in the sector or are just an innocent consumer caught in the crossfire. Brett's passion for the future of banking is evidenced by his founding of Movenbank, a new bank that encapsulates many of Brett's ideas. This book should be compulsory reading for every consumer banking employee who cares about the future shape of their industry.
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