One of the things that is quite clear is that, as we move into a sharing economy, the role of banks is changing. Banks historically focused upon profit and trade, but they now need to also focus upon community and dialogue. It is no longer good enough to purely focus upon commerce at the expense of community.
This will be a difficult transition for banks, as their raison d'être has always been on profit and trade. Now they have to show their relevance to the community through conversation.