A recent article by a Foreign-Exchange Journalist suggests the'Skynet' of Finance is not too far away. In particular, Transfer/Payments business expect to lose 28% of their business to FinTech in the next 5 years, and Banks expect to lose 24% of their business. The silver lining to this takeover could however be, the article points out, the greater emphasis on the'human touch' in key customer interfacing areas. For example, a human hand at the wheel to prevent another'flash crash' or a human interpreter of the decisions of an Artificial Intelligence made lending / investment decision. Whatever happens, we are likely to see more automation, lower costs for the customer, and smarter decision making – albeit in the near term.