This is a guest post by Sam Chang of the Capital Gains Group, the group who us brought Wongamania – the world’s first modern economic card game. For more information, visit: http://www.capitalgainsgroup.com/

A lot have been studied and written on digital disruption in banking services, and almost nothing on non-digital disruption. Truth is a coin has two sides, one side with its value shown gets the most attention and the flip side being mostly ignored. We have witnessed many traditional banking services being upended by digital disruptions, with payments being one of the most pronounced. First came PayPal, then recently Apple Pay and soon Android Pay. While virtual currency bitcoin is rejected by the banking world, this does not impede its increasing adoption by non-banking world, like Starbucks. When a bank is unable to serve the unmet funding needs of a business, it can now turn ......