if you look at the Resource page you will find the last link is not working yet Monitise: The rise of the digital-only bank and the McKinsey & Company: The rise of the digital bank link goes to here http://www.mckinsey.com/ Accenture Consulting: Digital disruption in banking this link works http://parkwayprojects.com/expertise/resources/ interesting stuff the only thing I find is UBA and that is good given the seergate app will be linked onwards and upwards SOON $MYEC