Note from the Publisher:  CCG Catalyst Consulting has released an infographic detailing what they believe to be the 12 "Forces Transforming the Banking & Payments Industry".  They include the following categories and subcategories. 

Regulation

• New regulatory regime
• Increased cost, complexity& uncertainty

Technology

• Tech advances
• New possibilities with cloud, robotics, chatbots, IoT, VR
  

Fintech

• Rise of Fintech
• Early stage cos. / incumbentsNational bank charter (OCC)

Blockchain

• Radical infrastructural overhaul
• New value management system; broad applications

Faster Payments

• Impending arrival of real-time
• Several initiatives underway Fed facilitatingchange

Mobile

• Phone, “more than a phone”
• 2B+smart phone users globally -massive reach

Digital

• The age of the digital business
• Digitization of money is greatest opportunity

Customer Expectations

• Accelerating change
• Speed, convenience, privacy, transparency is new mantra

Cyber Security

• Critical concern
• Acute & growingthreat in an interconnected world

Sharing Economy

• Leveraging the ‘Uber’ template
• Establishment of new platforms & marketplaces

Data

• Beyond Big Data
• Implications for monetization,machine learning, AI

Globalization

• Highly politicized issue
• Free trade, open economies, cross-border commerce

Source:  CCG Catalyst Consulting