Thirty to 40 years ago, most financial decisions were fairly simple.

A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.

A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.

Before 1980, it was basically illegal for U.S. banks to invent new products.

Today more people believe in UFOs than believe that Social Security will take care of their retirement.

Technology is similarly just a catalyst at times for fundamental forces already present.

The changing nature of money is only one facet of the financial services revolution.