Now that smartphones are widespread, banks’ clients want to perform their baking operations from their mobile phones. As a result, banks are forced to go through a digital transformation.

The COVID-19 pandemic enhances this situation: now banks have to ensure the mobility of their staff as well as their clients. There is no way to avoid the digital reality. Yet we see that it is a huge challenge for banks.

There is an opinion that the core reason is fragmentation of everything: decision making and management, processes and technologies. Fragmentation consumes the energy and time in the organization like a black hole does. Complexity grows, “metabolism” of the company/bank becomes slower and slower, and in the end the customer sufferers.

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