There is also a potential, however, for banks to play a role as a director who manages the production of a digitalized neue Kombination 2.0, by being actively involved in the creation of new services and maximizing the potential of the platforms. Digital Transformation Integrating information and financial systems first requires advances in the digitalization of each system.
A system needs to be put in place that supports end-to-end automatic processing, from information input on a smartphone or a business system screen, to service completion as well 2/3  BIS central bankers' speeches  as database preparation for the analysis and high value-added conversion of information for the subsequent information business.