| financial transformation | DLT | consortium databases | ||||
| technology of money | global financial marketplace | PSD2 API | ||||
| international commerce | digital identities | disruption | ||||
| cloud banking | global financial marketplace | Startup accelerators | ||||
| PSD2 API | frictionless customer experience | tier one banks | ||||
| reaching customers | Beyond innovation theatre | credit scoring | ||||
| disruption | customer-centric | banking open innovation | ||||
| tier one banks | reaching customers | partnerships in lending | ||||
| substription economy | customer-centric | banking open innovation | ||||
| financial transformation | Ledger curve | mPoS | ||||
| partnerships in lending | frictionless customer experience | customer-centric | ||||
| cloud banking | credit scoring | tier one banks | ||||