The term ‘financial services’ conjures images of people in dark suits in tall buildings, when in reality it underpins the smooth running of your day-to-day life. Your daily customer experience in fact. It is fast moving towards a future of full integration to the point where it’s almost invisible.  

Consider how things have changed over the last 20 years. Chip-and-pin was only introduced in 2004, and contactless payments have only recently really been widely adopted, enabling an era of not only frictionless payments but also travel. Mobile banking has come on leaps and bounds, now using biometric authentication on your phone and looking to do away with the …
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