the financial sector in general, and banks in particular, will never be the same, " proclaims A New Era of banking. the book is written by Angle Berges, professor of finance and international management at univeraidad Autunoma, madrid, and professor of finance at AFI-Escuela de Finanza;Mauro F.Guillen, Wharton management professor and director of the joseph H. Lauder Institute of the University of pennsylvania;juan Pedro Moreno managing director of Accenture's global banking industry practice, and Emilio Ontiveros, economic and business administration professor at the Universidad Autonoma de madrid. They are referring to the impact on the industry of the catastrophic financial crisis, which bagan in 2007 and came close to destroying the Western world's financial system.