Trust is the foundation for success in the financial services industry. Not only do our customers trust banks with their money – they trust us with their information.

I have a dual perspective on the battle between innovation and disruption in the banking industry. It's one that leads me to believe banks have more to gain from disruption than to lose from it. I'll explain why.

Everyone loves the latest and greatest gizmo. With new tech popping up every day it's easy to get excited about the implications of the next big thing. Even in banking. The next Apple Pay is going to change payments forever and that's all going to happen on the next Apple Watch, right? Well, only if customers really want it.