Discuss the future of Omni-channel banking in the face of numerous technological developments including ‘mobile’ and ‘cloud’, and ‘Blockchain’ applications, and numerous disruptive start-up FinTech Firms.  What banking model in your opinion will prevail in the forthcoming decade?  What should institutions and regulators do to protect the security and privacy of individuals, which is posing the greatest threat to confidence? Who should bear the increased cost of cyber-security?  An original opinion based essay.