As we consider supply chains and regional integration, we must be mindful of the trend of “disruptive innovation”. In other words, finding new ways of doing old things. Technological improvements are helping define new ways for you to “enter” into and be integrated in the supply chain.
While there are many of you who will continue to be on the big loan origination side, a number of you can find value in generating economic activity through retail banking. Still a number of you will be able to find a niche in providing alternative digital solutions.