Simon Deane Johns is a financial services lawyer and entrepreneur. He is the author of the recently published Lipstick on a Pig. 

There's a lot of talk about 'restoring responsibility to banking', and 'returning banking to its sober Quaker roots', 'removing the casino culture', 'getting banks lending again' and so on.

But all these soundbites are focused on the activity of banking.

Nobody, except banks, engages in "banking". We may use a bank's service, but only in the context of a much wider activity ...

To readmore, check out:

http://sdj-pragmatist.blogspot.co.uk/2012/07/what-bank-customers-want-and-why-they.html