%0 Journal Article %T Digital Disruption in Banking %A Xavier Vives %J - %D 2019 %R 10.1146/annurev-financial-100719-120854 %X This review surveys technological disruption in banking, examining its impact on competition and its potential to increase efficiency and customer welfare. It analyzes the possible strategies of th.. %U https://www.annualreviews.org/doi/abs/10.1146/annurev-financial-100719-120854