This is an amazingly written article. Very honest and comparing the current stage of banking with what can be achieved. I am curious to learn from you what is your stance on the phygital form of banking. What are the trends that will drive the combination of physical places with digital banking? Could you have a look at my article portraying that topic? I would really your comment! Thank you

https://medium.com/@agazima/repurposing-and-redefining-the-banking-phygital-experience-the-financial-experience-of-the-9e886d430ab6