Welcome to FN’s Future of Finance, a special FN report that brings together many of the biggest names in finance, writing about what they think will happen in the industry over the next 20 years. We will be updating this library of guest comments from the biggest names in finance over the coming weeks.

It is a high-powered group and, yes, sometimes they disagree with each other. That's to be expected - no one would expect the Prince of Wales's vision for finance to quite match that of the former Bank of England governor Mervyn King or Orcel, who runs UBS's investment bank.