Bye Bye Banks is a work based on research complemented by the author's experiences, observations and opinions based on 50 years of banking and financial experience. The book chronicles the changes in banking over the past 25 years and the impact economic disruption, disintermediation of traditional products and services, governmental intervention throught legislation and control, advances in technology, and changes in the way people and businesses conduct their affairs has had on banking, particularly community banks. The book answers many of the questions regarding the impact change has had on banking and the expected declines expected over the next decade. It also offers concepts for change necessary to maintain banks and particularly community banks as one of the principal engines for U.S. economic growth