In the new book about bank services Бретт Кинг reflects about that, what future is prepared to the jars by modern technologies. Years thirty will pass or fifty, physical money and maps will drip in nonexistence, on changing will come the traditional banking system fully digital. That will become with usual to us jars and accounts? What and as far as safe will be procedures of authentication? What role in the future банкинга "blasting" will play technologies and финтех-стартапы?Mobile payments, блокчейн, artificial intelligence, complemented reality - here constituents of new bank ecosystem going out far outside Уолл-стрит and literally built-in in everyday life. "Bank 4.0" allows to glance in the future - in the world of instantaneous and general access to "clever" банкингу.A book is addressed to the businessmen, financiers, bank workers and all, who interested in development of financial sphere.