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There’s no doubt that shadow IT, the term used to describe the systems and solutions for Information Technology that are installed and used in organizations without the explicit authorization of the company, poses a real and urgent risk to banks. But shadow IT can also be a boon...

As the digital revolution transforms the economy, one megabank chairman warned his staff recently, “The industry faces more change in the next 10 years than there has been in the past 200.” So where will those banking changes emerge in 2015? Let’s use the familiar categories of...