It's what we're seeing in the dissolution of archaic markets and business models, and in the creation of new ones - a highly efficient, individual-driven community shift towards solutions that work, and that carry more than just precedent.

BBC: Hacking work: How to break the rules to work better

He doesn't expect a major shift to cash purchases because younger generations don't tend to carry bills, he adds.

WSJ: Bank Fees Squeeze Retailers

BIS. Chief among them is a gradual shift from bank lending to the capital markets, which has meant that banks carry less credit risk.

ECONOMIST: American banks