Publication Date:  30 November 2015

This report looks at how banking services are being redefined with the entry of non-banking companies into the market and the application of low cost technology to reach new customers without the need for a retail branch network. The report is the result of a series of interviews with banks, incumbent financial institutions and high profile startups and highlights the forces shaping financial services delivery in Europe and the Middle East. It seeks to provide insight into the lessons learnt by companies as they innovate and a roadmap for the years ahead as ‘digital’ migrates from delivery channel to the driving force in modern banking.

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