This past week saw two of the biggest banking and financial innovation conferences take place, Sibos and Finovate. On following a few Twitter streams of a few attendees, a new meme started to appear – possibly a bit premature to call it a meme and incorrect to call it new, but none the less the concept is valid if a bit bank-geeky. Borrowing from the Web 2.0 catchall or marketing label for anything more interactive than the static Web 1.0 but less linked than the evolving beb of data (Web 3.0?) the banking innovation consultant, speaker and author Brett King has coalesced thoughts and ideas around the next generation of consumer banking and published them in his popular book – Bank 2.0 …