There’s nothing new about the need for retail banks to digitally transform. What is new is the speed with which digitally-driven market entrants are grabbing market share. More agile, faster to innovate, and better at addressing evolving customer expectations, fintechs are a clear and present danger to the survival of traditional retail banks. The 3 forces driving change It’s a perfect storm. Three unstoppable forces are converging on retail banking to drive the sector’s digital revolution.

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