Lloyds CEO António Horta Osório gave a speech on "The Bank of the Future" on Thursday. He said he anticipated four main drivers of change over the next few years: customer expectations, tech, competition, and regulation. If banks don't pay attention to these trends, they risk becoming the next Blockbuster or Kodak, he said. LONDON — The CEO of one of Britain's largest retail banks sees four big factors driving change across the financial-services industry over the next few years:...

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