The challenge for banks is not what they have but who they are. Challenger banks are natives in the digital world, but banks are migrants Could banks be going about digitization like a 40-something year old does a smartphone? He believes the smartphone makes him digitized but it only makes him digital. Digital is an
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Doing so makes you an order taker; you are little more than a shopkeeper waiting for the buyer to say, “I want a loaf of bread,” for you to jump into action. If you acquiesce to discounts based solely on your salespeople’s feedback, then you and your sales people have a problem; you, a business