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Great text from Mobey's Maikki. On the point of banks becoming platforms, I beg to disagree. In the internet & mobile phone world there were at most 5-6 platforms (OS's) and even they soon reduced to 2-3. In banking there are x0's of sizeable banks in EU and they all can not be platforms. I would think that winning platforms are formed around existing ecosystems - to which some banks join. 

Very good article. Captures well the opportunities of digital identity in money transfer. Payment transactions will fragment into two parts - the identification & authorization part of the transaction and the money transfer processing part. All the value in payments will be in the former part, as the latter is only data transfer.