The financial and sovereign debt crises jolted the global banking industry from a period of relative calm and prosperity into one of great uncertainty. 
As the shock wears off and the industry adapts, key themes are emerging that will affect banking business models for decades.
We outline below eight major trends that are likely to shape banking to 2030 and beyond:

• Nationalism vs. globalism: limits on the global banking model
• State capitalism: a new force in global banking
• Trade flows: opportunity and volatility
• New markets: the emerging will have emerged
• Demographics: an older, more urban generation
• Customer relationships: more personal, greater trust
• Payments: new markets and new models
• Energy: challenging the old order