The definition of 'Bankers risk' is that you do what every other banker is doing. Keeping your head down and doing a 'competent' job is seen to be enough. Today competence is becoming a commodity. Everyone is going to be equally competent. Hoping that your competitiors will continue to be more incompetent than yourselves is a weak basis for survival.
Information is already a commodity.
There is an abundance of it. It would take sixty working years to spend two minutes on each reference to my work on the net. State of the art technology is a commodity. Technology can be bought in. Value creation is more likely to come from the design of new 'value concepts' than from further advances in technology.