Brett King

"Innovator of the Year" by American Banker and Bank Technology News Magazines in 2012.

Strategic Financial Advisor and Best Selling Author of Bank 2.0.

Brett is the founder of the mobile App start-up known as "Moven" which has raised $24.5m to-date in investment with it's concept of a downloadable bank account that incorporates mobile payments and banking capability, along with a gamification based financial health system.


Recently named “Innovator of the year” by American Banker and Bank Technology News Magazines, Brett King is a global thought leader in financial services and customer experience. He is a sought after speaker and expert on innovation, technology disruption, customer experience and channel distribution strategy.

Author of the groundbreaking bestsellers BANK 2.0 and BANK 3.0and publishing regularly in his role as industry advisor onThe Huffington PostInternet EvolutionFinExtra and his personal blog,  Brett King is the founder and CEO of Moven, the first direct mobile bank in the US and the UK. Brett also runs a niche strategic advisory firm, advising the world’s leading financial services organizations.

Brett King has also been featured on Bloomberg TV, BBC, CNBC, and in the Wall Street Journal, Financial Times and The Economist.

Brett King previously led the Asia division for Modem Media/Digitas (part of the Publicis group), managing revenues in excess of $10m per year. He was also the Director of e-Business for Deloitte Consulting with service line responsibilities in the technology integration arena across the Asia region, particularly within the financial services practice.

Brett King is working with global banks like HSBC, BMO, TD and RBS as a strategic advisor, and also provides thought leadership to leading service organizations like Sapient, WiPro, Oracle and Microsoft.

The Evolution of the Bank Account: From Passbook to Mobile

In this topic, Brett explores the end-game in the emergence of the mobile wallet and what it means for the humble bank account. With more than 60% of the world’s population without a bank account, with the ubiquitous nature of mobile phone handsets, and the increasingly pervasive pre-paid ‘value-store’, will you need a bank at all in the future? When you can get your Salary paid directly onto your phone, when you iTunes account doubles as a pre-paid debit card, and when you can use Facebook to send money – will banks still be able to compete?

How mobile technology is completely changing the context of banking
How you need to evolve to win the battle for the bank account
Who will be the players who emerge to win? Spoiler: It may not be who you think...

The Big Shift: How Customer Behavior & Technology is Changing Financial Services

Customer behavior is rapidly changing and financial institutions need to reinvent themselves or risk becoming irrelevant. The rules of engagement have changed. Checks are disappearing and cash is next. Mobile phones will replace wallets, consumers and their behaviors have shifted. The industry has to evolve alongside these changes. Brett King shows companies how to adopt and thrive in this new environment. This presentation will give your organization an insight on the three phases of disruptive change and the trends business can’t afford to ignore. You will learn about the evolution of consumer behavior as King examines the trends, innovations and technologies that are likely to have the most significant impact over the next decade. In addition, you will understand the key issues that choke the development of innovation across organizations and learn how to identify the quick wins that can justify improvement programs.

Goodbye Checkbook, Hello Facebook

Brett King looks at the latest trends that are redefining financial services and payments technologies. From the global scramble for dominance of the mobile wallet, the explosion of Tablet computing, the operationalizing of the Cloud and the rise of Social Media, this topic explores the reason why the financial services industry has to adapt or die. With customer advocacy killing traditional brand marketing and mobile technology completely changing the context of banking, the traditional methods of customer acquisition are also being challenged. Some consumers are even joining the ranks of the ‘de-banked’, those who don’t need a bank at all. Brett King will explore how Social Media has exposed pricing, overregulation, out-dated processes and poor policy in addition to exploring customer advocacy, the impact of mobile technology and why banking is no longer a place you go, but something you do.

The Battle for the Bank Account & Why the Banks will Probably Lose…

In this topic, Brett King explores the end-game in the emergence of the mobile wallet and what it means for the humble bank account. With more than 60% of the world’s population without a bank account, with the ubiquitous nature of mobile phone handsets and the increasingly pervasive pre-paid ‘value-store,’ will you need a bank at all in the future? When you can get your salary paid directly onto your phone, when you iTunes account doubles as a pre-paid debit card and when you can use Facebook to send money – will banks still be able to compete? In this speech, King will explain how mobile technology is completely changing the context of banking, how you need to evolve to win the battle for the bank account and who will be the players who emerge to win. Spoiler: It may not be who you think…

Advocacy, Behavior, Context: The New Rules of Engagement

In this session designed for marketers and digital channel professionals, Brett King explores how social media, mobile marketing, daily deals, geo-location, advocacy, gamification and behavioral psychology are working to change the rules of engagement for financial service brands. This shift has far reaching implications for the organization, including rebuilding the marketing team, defining new metrics, delivering true 1:1 propositions and creating an open brand dialog. King will explore the driving shifts in technology and behavior and help you understand what the new rules of engagement mean for the future of your organization.

Building a Bank for Gen-Y & Digital Natives

Moven is a revolutionary new bank that launched to much acclaim in 2012. This is the story of how near-banks like Moven, Simple, GoBank and others are revolutionizing retail banking on multiple fronts. Brett King tells the story of why Moven decided on a card-less, paper-less, transparent model of banking and how CREDScore, Gamification and the real-time feedback loop is going to change the way we think about banking. If players like Moven achieve what they are aiming for, it will change the way people think about banking forever. King will share his journey from conception to creation of Moven, what organizations can learn from the Moven story, why selling a checking account may kill your retail bank in the next 5 years and why Gen-Y don’t write checks, don’t visit branches and don’t trust banks.


"In the next 10 years, we'll see more disruption and changes to the banking and financial industry than we've seen in the preceding 100 years"—Brett King Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking is a unique collection of interviews take from across the global Financial Services Technology (or FinTech) domain detailing the stories, case studies, start-ups, and emerging trends that will define this disruption.

Features the author's catalogued interviews with experts across the globe, focusing on the disruptive technologies, platforms and behaviors that are threating the traditional industry approach to banking and financial services Topics of interest covered include Bitcoin's disruptive attack on currencies, P2P Lending, Social Media, the Neo-Banks reinventing the basic day-to-day checking account, global solutions for the unbanked and underbanked, through to changing consumer behavior Breaking Banks is the only record of its kind detailing the massive and dramatic shift occurring in the financial services space today.


BANK 3.0

The first edition of BANK 2.0 - #1 on Amazon's bestseller list for banking and finance in the US, UK, Germany, France, and Japan for over 18 months—took the financial world by storm and became synonymous with disruptive customer behaviour, technology shift, and new banking models. In BANK 3.0, Brett King brings the story up to date with the latest trends redefining financial services and payments—from the global scramble for dominance of the mobile wallet and the expectations created by tablet computing to the operationalising of the cloud, the explosion of social media, and the rise of the de-banked consumer, who doesn't need a bank at all. BANK 3.0 shows that the gap between customers and financial services players is rapidly widening, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry.

BANK 3.0


In the wake of the global financial crisis, retail bankers face another equally challenging shift to their business in the near term – the demise of the branch. In the UK, one bank branch has closed everyday since 1990. In the US, transaction volume in-branch will be down almost 60% between the period 2006-2015. In developed economies, consumer visits to bank branches have been down 80-90%.

Yet today most banks spend more than 80% of their channels budget on branch real estate, staffing and support. In a world where the fastest growing interactions with banks are through Internet, mobile phones and social media, what does the bank of 2015 look like? How will we support a 50% reduction in number of branches in the next few years? Where will all the tellers go, and what happens to all that real estate?

Branch Today, Gone Tomorrow is a detailed, multi-faceted business case for the reprioritization of branch banking in the channel mix. It explores economics, behavioural shifts, trust issues facing banks, new retail distribution models and drivers challenging the branch-centric models of yesteryear. Branch Today is not about getting rid of every bank branch you have. It’s about understanding how banking changes when branches are no longer at the centre of acquisition, service and channel strategy. About the author Brett King is the author of the bestselling book Bank 2.0, founder of the world’s first mobile direct bank Movenbank. He advises the world’s biggest banks on innovation, customer experience and distribution strategy.


BANK 2.0

The financial crisis is just beginning for retail institutions. Ninety to ninety-five per cent of bank transactions are executed electronically today. The Internet, ATMs, call centres and smartphones have become mainstream for customers. But banks still classify these as alternative channels and maintain an organisation structure where Branch dominates thinking. Continued technology innovations, Web 2.0, social networking, app phones and mobility are also stretching traditional banking models to the limit. BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet all within the next 10 years.

BANK 2.0