Umair’s blog is one I just came across recently.  He is provocative, thoughtful, and insightful. This post is layered with insights, that will take me days to unravel, but Banks ought to take note of this quote “Goople finds
value chains and industries in deep strategy decay …. “. 
Banks are in strategy decay, so they are vulnerable.  It doesn’t have to be from Google, and thats not my point.  My point is that they are vulnerable to alternative strategies. 
And that DNA opens new paths to strategy and advantage. Google finds value chains and industries in deep strategy decay – where innovationand choice are stale, and consumers are besieged by lameness – likemarketing, consumer electronics, TV, and perhaps the most troubled ofall, mobile and music.
Then Google utterly eviscerates them: itreconstructs radical new ones – where friction has been vaporized,where complexity and variety explode – and so everyone really is betteroff. When Steve Jobs makes the iPhone carrier-neutral, kiss thetraditional mobile value chain goodbye.
Bankwatch 
Howdy Colin –
Do you see the disruption coming from a larger powerhouse (Google, ING Direct, Virgin Money, etc) or bleeding out into all of the niched financial alternatives like p2p lenders, Cake financial, Voyant, etc?
Individually, the alternatives – each with its specific niched purpose – are incredibly attractive. But fragmented and detached. How cool would it be to manage them under the same roof in some Open Social-like way – basically enabling consumers to build their own FI.
I’m rambling.
Here’s the bottomline: What/who do you think has the biggest opportunity to overtake traditional banking strategy?
@brent … good I think the creative aspect will come from the small startups, but it will take the bigger banks or institutions to make it scale.