The retail banking segment has gradually shifted from large size traditional branches to fully automated applications and product offerings with a range of tailor – made retail products and services at the click of a button. This evolutionary journey in Retail Banking, on one hand, has brought a range of around the clock services to costumers with availability but has also led to many new risks, controls and regulatory challenges. How should banks maintain the delicate balance between customer offerings and cost of control.

• The retail banking as it used to be – my personal journey
• Retail banking transition from physical walls to electronic means and AI
• Risk versus reward module of retail banking offerings
• Need for balance between business growth and increasing regulatory checks
• Technology shift in retail banking – a double edged sword

An inside peek into how legacy banking technology teams can shape up to meet new world challenges from a people, process and technology view.

• Evolution of banking technologies
• How value streams are stood up and collaborate
• Delivering value at pace and scale

Assessment of the stagnation and challenges of the current stage of the industry. Introduction of the industry trends and beyond industry trends. Highlighting obstacles and the solutions to overcome those. Projections if where the industry and the market in growing.

• Industry achievements so far
• Reasons of current stagnation
• Evaluation of current business models and digital transformation strategies
• Evaluation and projection of market trends
• Why fintech is more efficient at generating business and onboarding customers?