Chapter 9 of "Bank 4.0," titled "Adapt or Die," emphasizes the urgent need for banks to evolve in response to disruptive changes in the financial landscape. It highlights that traditional banking models, heavily reliant on legacy systems and branch operations, are becoming obsolete as fintech and tech-driven solutions gain traction. The chapter stresses that banks must adapt by embracing technology, rethinking their organizational structures, and focusing on delivering seamless, frictionless customer experiences. Failure to do so could lead to significant losses in market share and profitability, particularly for smaller banks. Ultimately, the chapter serves as a call to action for financial institutions to innovate or risk extinction in the rapidly changing banking environment.