3.4 What to expect in the future

Finally we look at some of the new business models and new services that we can expect to emerge in thefuture. With the current beginnings of Open Banking, the further opening up of all areas of finance and of allother industries we will see new connected models that were not possible before. We show some that we canexpect – and show some surprising examples of what is not expected, but are likely to happen. We close withan outlook on the worldwide development across all industries, where banking and finance will play asignificant role. Indeed Open Banking is the beginning of a development where financial services can play a keyrole in the new digital economy.