Businesses have been transforming both their internal infrastructures and processes and their channels of interaction with customers. This trend towards transformation is reinforced by growing demand for easy and quick access to all kinds of digital applications. Businesses can now enrich and develop their services by tapping into diverse data sources and big data analytics processes, until recently either unavailable or technically unfeasible.
Assisting Governor Makhlouf at the CBI in organizing this conference has been Daragh Clancy. Daragh and Robert Kelly at the CBI worked with a subset of IJCB editors to review the papers, but let me mention all of those editors, including Klaus Adam, Tobias Adrian, Huberto Ennis, Refet Gürkaynak, Òscar Jordà, Keith Kuester, Elena Loutskina, Robin Lumsdaine, Fernanda Nechio, and Steven Ongena.