Enter multiple symbols separated by commas  4 trends changing
the way you manage money  It's been five years since the
recession ended, and most of America's financial institutions
are still standing.  The crisis didn't alter the country's banks
like some people had thought it would, yet many bank executives
are still feeling uncertain about the industry's future.
However, it's not the global economy that has them worried, but
rather the technology start-ups that are dramatically changing
the way money is made, spent and saved.  Last year Accenture, a
global consulting firm, released a report that peered into the
banking sector's future. It concluded that by 2020, banks could
lose 15 percent of their market share to technology companies.
"Who gains in this market share?" asked the authors of the
Accenture report. "Digitally oriented disruptors that are far
more agile and innovative—the equivalent of speedboats competing
against schooners."  While some banks are trying to catch up,
there's no question that t