I have posted an article on my linkedin blog, which looks at the future of banking technology particularly as it applies to their technical debt in the data centre. It argues that customer intimacy is key. I say,

So the incumbent players have to re-modernise their systems, build fit for purpose customer relationship management systems i.e. KYC and cope with the business disruption that new software driven competitors are developing, on top of which margins in retail financial services are very low.

The customer is, and shall be king
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