In the video below, Motley Fool financial analysts David Hanson and Matt Koppenheffer ask the question: If banks have historically gained the benefits of scale and diversification through mergers and consolidation with other banks, why are we seeing no mergers these days? Matt and David discuss some of the factors of the current post-crisis banking environment that have contributed to this and why mergers may take off again once interest rates come back up and banks face a more lucrative lending environment.