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Half of all US banks could be gone in the next decade. 🤯 That's Joe Mancini's prediction - and he would know. He's been through three bank M&A deals, most recently as COO at BankProv when it was acquired by Needham Bank. I've been talking about bank M&A a lot lately because it affects everyone, not just bankers. We all need a bank to function in the world - to get paid, rent an apartment, receive welfare etc. So what happens when banks start disappearing? Joe and I got into ALL of it on this episode: Why $10.1 billion is the worst size for a bank to be How Needham Bank integrated BankProv over a single weekend The embedded finance future and who's going to win Whether branches will exist in 15 years How banks might use your data to offer you loans before you ask Why the talent crisis is accelerating everything