Banks aren’t dinosaurs nearing extinction. But they stand on the horns of a dilemma: How do they change responsibly, asks Sameer Gulati at the 2015 Innotribe Conference in New York. “They have a choice to make, whether they embrace the new technology or they become relegated to effectively the back office.” And they have to manage to follow through on that choice without disrupting their customer base. They have responsibilities that startups don’t need to juggle.