Taking cue from retail will certain spur innovation in financial services. Retailers are learning how to cross sell using analytics related data - The GAP pulled off one of its biggest quarter earning reports a year or so ago because it figured out how to cross sell its brands at the checkout. Monitoring the techniques may help financial services cross sell its services in a similar fashion. Great video!
Databases in general and relational databases in particular are intended to be most useful for knowledge representation in the context of validation -- when a theory has been formulated -- and the logical model representing it in the database can be used to validate it and further analyzed to derive additional implications of a theory.