The world is experiencing incredible change both politically and technologically where industries are being re-imagined almost daily. Universal Banking is one business model that has been a very profitable business model. However with the changes in customer needs, regulation, technology and the emergence of new competitors this industry is most vulnerable to disruption. Disruption not just from TechGiants like Google and Apple but more so more small starts and an ecosystem of new financial services providers who instead of a head on challenge may be thin slicing the industry into oblivion. All is not lost however there are actions Universal Banks can and must take and this presentation shares some thoughts around these.