crystal ball What will the financial biz look like in 10 years? A lot can happen — 10 years ago, Facebook Inc. was moving beyond its dorm-room startup phase and was about to go cash-flow positive. Apple Inc.’s iPhone was almost a year old, having been introduced to mostly lukewarm reviews, and Uber Technologies Inc. was a full year away from being founded. (Photo: Getty)

(Bloomberg Opinion) –One of the great variables of appearing at investment conferences is the question-and-answer session after your presentation. No matter how well-prepared you may be, it’s hard to anticipate every query.

Such was the case earlier this week, when I was speaking to employees at a scrappy startup in Pennsylvania (OK, it was Vanguard Group). It was the last question, and it was a gem: “What do you think the financial-services industry will look like in five or 10 years?”

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