In concluding my recent thoughts, I’m left reflecting on a similar idea to the one I blogged about a couple of weeks ago: about a world turned on its head. This time, it’s a different take on the same conundrum. We live in the developed economies complaining about legacy. Developing economies are just excited about innovation. Yet, too often, people like me talk about and blog about millennials and consumers as people who don’t need branches and reject the legacy structures. We forget that for billions of people on this planet, the very idea of being able to transact electronically is an inspiration. So when we talk about the eradication of branches, the redundancy of tellers and the shrinking of the physical network, we should take pause to remember that, for many people, these services they never had.