A few years ago, Arifa Khan, a former investment banker with Credit Suisse and UBS, realized that she had found the power to do to investment banking what Uber has done to the private taxi industry. The current investment banking model, the London-based Khan believes, with a good deal of justification, is inherently rigged against the clients because the banks play on both sides of the game, often meaning bankers are not necessarily working to get the best deal for their clients. Oftentimes, there is moral hazard in processes such as issuance and public listing of securities. That has been provcn dramatically time and again by bankers pushing IPOs with no chance of financial success in order to draw down lucrative fees.