he rise of online banking, FinTechs and other phenomena has brought about an unparalleled age of convenience and accessibility for customers and over the years the banking sector has been digitized. open banking, the pandemic has accelerated cloud banking. While this is evident in data analysis and storage, the cloud serves an arguably even more important role in modernising core banking systems and the pandemic has led to the rise in the mobile banking services more than ever. Do you expect the internet and mobile banking services to go up in 2021 ?

