Overdue idea, wish we knew who was funding this work:
[Mark Warrick, director of creative and design at Thought Machine], who has worked as a software engineer at Deutsche Bank and RBS, said: “Banks can’t deliver to their customers the innovations that you’re seeing in other sectors simply because their fundamental core systems are not able to react.”
VaultOS is based on “smart contract” technology that allows people to tailor their own products such as mortgages, loans, and overdrafts.