As with other technologies, emerging markets are leapfrogging traditional, slow-growing methods with new technologies in banking. These reduce customer loyalty in favor of speed, utility and practicality. They also have given way to demand for a stakeholder society. No longer will shareholder value alone be enough. Customers will increasingly demand consideration of employees, suppliers, philanthropy and other constituencies to improve value creation. That became even more of an issue with the financial crisis and the perception of excessive executive compensation and a lack of corporate governance.