Customers needs and expectations are changed after the pandemic. This have accelerated the digital transformation process. Organizations are now trying to create a digital customer journey as much smooth, easy and transparent as possible. 

All this have been possible thanks to the availabilities of data. 3 years ago there were very few financial institutions able to use their transactional data. 3 years ago it was really hard to manage such a huge volume of data. Data without analytics and categorization are meaningless, but now, thanks to advanced analytics, ai and ml is it more easy to develop new analytics models in big data and open sources environment.