The original call
Original year: 2009
2026 assessment
Scorecard verdict: Hit
A clean hit. In 2026, mobile is not “a huge role” in financial services — it is the front door. The branch is now the exception, the app is the default, and digital-native banks like the ones I described in 2009 are mainstream. Calling this in the middle of the 2009 crisis, when the industry was looking backward, was the right read at the right time.