Over ten years the results are even more dramatic. The cumulative ten-year cost to the total salary bill if Scotland is inactive on this could be as high as £597million. However, if Scotland gets it right, the cumulative ten-year benefit to the total salary bill could be as high as £1.1billion.

http://www.scotsman.com/business/scotland-warned-to-embrace-fintech-or-risk-consequences-1-4341083