I’ve been spending an increasing amount of time studying the state and future of finance, banking and retail. Behind the scenes, I’ve spent time with several national and global finance companies/banks as well as several retailers all looking to understand the connected customer and their expectations and preferences when it comes to money, banking and shopping. When Jim Marous, co-publisher of The Financial Brand reached out to talk about the 2016 trends and predictions in retail banking, I was ready…