New rules to account for loan loss reserves will come into effect in the coming years. Unfortunately there's a difference between US and international rules. This may lead to some 'creative' bookkeeping.
China is on the front lines of financial services disruption. Ant Financial (Alibaba) and WeChat (Tencent Holdings) have changed the game there and they -- or other new entrants -- have an opportunity to do the same in more traditional banking markets.