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Destination Is Clear, But Journey Isn’t

American Banker
Ninth in a series

Predictions are supposed to be harder to make the longer your time frame. But in another paradox courtesy of a financial crisis that has been chock full of them, there appears to be more of a consensus on where the banking industry is heading than on where it is today.

In the near term, arguments abound over the actual value of distressed assets or the amount of progress that has been made in risk management efforts. But in thinking about the longer term, who would quibble with the conclusion that regulations will be stricter, that credit will be more expensive, that customers will want simpler fee structures along with new

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