By Simon Russell, Managing Executive Financial Services, Accenture South Africa
 
Every now and then innovation disrupts the existing status quo. There is probably no better recent example than Apple, with iTunes and iPod, the introduction of the product revolutionised the music industry.
 
Twelve years ago the Retail Banking industry thought the end of ‘bricks and mortar banking’ [...]

 Cash is king, but within the next decade or so digitized and dematerialized cash is set to take over the royal mantle from the folding stuff as the world of physical money is revolutionized. 
Some may call this statement a pipedream or a “not in my lifetime” likelihood, but the reality is that significant change (pun [...]