Digital transformation is a difficult undertaking for any organisation. Many incumbents fail in their attempts to change the mindset, behaviour, practices and technology that will help them remain competitive, presenting a market opportunity for companies that can bring speed, technology and agility to service them. Fintechs have seized the opportunity to serve as surrogates for incumbents, helping them modernize their digital experiences and keep up with customer expectations. A company that has successfully equipped banks and other financial institutions, serving over 100 million customers worldwide, with state of the art digital experiences is Meniga out of Iceland. We had the opportunity to sit down with their founder Georg Ludvikson to understand how fintech are helping banks stay at the forefront of their business. In this session you’ll learn more about how Meniga is ultraprersonalising experiences for millions of banking customers, making digital banking, smart, intuitive and relevant.  Our banking history tells a story about us, it’s about time banks use that knowledge to help customers live better financial lives.