We are nearing the 10th anniversary of the global financial crisis and banks now face a new challenge – that of potential disruption to a degree never before experienced by their sector. Experts foresee opportunities for agile and sophisticated start-ups to meet the growing demand of a technology savvy consumer base, but how will banks respond? Andy Critchlow, the Middle East editor for Breakingviews, speaks to Bryan Stirewalt, Managing Director, Supervision, Dubai Financial Services Authority, about the future of financial institutions.