I noticed the link you had was to the nGenera site which is password protected – full access to the blog post is on the Wikinomics site: http://www.wikinomics.com/blog/index.php/2008/07/10/the-future-of-consumer-banking/  (it also includes an avatar which reduces the ambiguity around my name, since  I am in fact a “he” : )  

By the way, I met your colleague Neil Raden at our Enterprise 2.0 meeting this week in Dallas – he had some great stuff to say on our panel on enterprise platforms.   I’ll admit a lot of it went over my head (graph theory and such) but I think many of our clients really enjoed the talk.      

Cheers,
Naumi