The book tries to map the key innovation initiatives and emerging competitive advantages for banks, drawing examples from real cases of banks and fintech/digital challengers, and from the international consulting experience of the author. A methodological approach is taken to discuss the hypothetical "e;singularity bank,"e; a bank that could make redundant most of its human resources. AI apps would take control across all kind of processes, from compliance to capital allocation, from risk underwriting to customer advisory and sale. This book discusses also how this would cause key processes in the bank to change, and how organization and governance should evolve as a consequence. Also discussed is how human resources could rise to the challenge of the change brought by AI and the robotization of the banking business.