This winter, I recently completed my 22nd year in banking. As I reflect on the past two decades, it’s amazing to see all the changes in the financial services industry. If you had told me when I started that we would someday be able to make payments from a wireless phone or a wristwatch, I’m not sure I would have been able to comprehend. I was recently in a small convenience store in a large airport where there were no employees, you entered by scanning your credit card, and you grabbed your...READ MORE