We see a significant rise in cross-border banking partnerships and the increasing development of crossborder service providers and advisers to fill the intellectual property gap caused by the shrinking of cross-border banking. This movement is a direct response to the localisation of the global banking system, and the constraints on deploying capital across different jurisdictions. More specifically, we predict a growing mismatch of excess deposits in the developed world and banks unable to satisfy consumer credit demands in the developing world.