I do not. Creative decisions presuppose creative questions: questions which show the world in a new light. In Germany’s banking landscape, the questions which are being asked are all too often framed in a decades-old mould of thinking. So, to misquote title of a song by German singer Ina Deter, perhaps the country needs new bankers?
Essentially, it does, because you will not be able to lead your institutions to a new era with the old thinking. Banks are becoming service providers with banking licences; account holders and bank customers are becoming “users” who require a broad spectrum of flexible financial services.