Manufacturing vs distribution where is digital banking going?

The role that banks will play in the future remains uncertain. The core activities of creating, moving, and transforming money are critical to the modern economy, and make up the “manufacturing” side of the banking business. The separate competitive demands of manufacturing and distribution will drive a separation of these activities within individual banks. Duncan Knowles writes that the future of banks will lie primarily in manufacturing, while the distribution side will be overtaken by smaller, nimbler competitors.