​Conversational Banking, which allows customers to interact with their bank through a chatbot, allows banks to nurture long-term relations with all customers, big and small.

​Although the world is becoming smaller, with cross-border travel fueling global prosperity and trade, identity schemes remain tied to local and national schemes. Some regions are becoming heavily digitised, while globally, 2 billion people are unbanked, partly due to their inability to provide the necessary documentation.

Consumers in the information society expect a high pace and availability 24/7.