The banking sector is undergoing somewhat of a revolution akin to the insurance sector before it. ‘Neo Banks’ are appearing across the world to offer a new, data-driven way to manage our money. Still for the everyday user, most banks already have apps and digital services available to help with all their basic needs, Just like Insurtech is changing the way that we are getting new policies and plans. The future is in independent digital banks which are new, which are challenging the traditional atmosphere which thinks differently, which have a very advanced tech stack, which have a different DNA, which is key to be able to achieve innovation. Traditional organizations hardly achieve innovation. Do you think that traditional banks will be replaced completely ?