Did you ever say something bold and another person says the exact same thing? Startups desire the opposite. They want a seamless digital experience that is personalized and personalized with the same high-end services and high yield services banks offer to their biggest corporate clients. The same dynamic has allowed fintechs over the past 5 years to win the credit cards market for startups and small businesses. McKinsey's paper claims that technology and economic forces have ended the run-of-the universal bank model. Reality check: It is unlikely that banks can transform themselves in any of these five areas. The best way to save your company is to break up. Companies were more responsible for some of the largest breakups than the government trustbusters. But what about the Big Banks? The December McKinsey Quarterly published the breakup article. It was written by four partners from three continents. Example: "Key measures for banks have fallen to a historic low point. The sector's value-to-book ratio has dropped to less than one third of that of other industries. Margins have been shrinking for more than 25 percent in the last 15 years. McKinsey partners point out that other businesses are now valued at three times as much as banks. They say that you should follow the money. The money is moving away from too big to fail banks to small enough to innovate fintechs. This is a flaw. The best innovation comes out of the outside. McKinsey estimates that the banking industry will manage $370 trillion of worldwide assets by 2020. This figure could rise to half a billion dollars over a decade. Innovations outside of the banking establishment will make the biggest advances in small and startup businesses. They will use AI, Big Data and user-friendly apps to gain share from big banks.