There is disruption occurring in banking, specifically around retail branch design and technology. The branch of the future is both high tech and high touch. A recent story in the Globe and Mail gives great examples of what is happening in the Big 5 banks that have become more technologically savvy with more services online, but still delivering high value personal services in branch. Branches that now offer a different personality than one may have found in recent past. Think open, transparent and welcoming with fewer counters and smaller spaces. Here in BC, where credit unions are a significant part of the financial services landscape and our communities, RATIO has seen an innovative and entrepreneurial spirit evident in branch design and service delivery.