So, as a preliminary summary of digitalisation, I can say that, as of today, digital revolution fantasies have waned. What is more, if we look at regulation, earlier narratives about the end of banks have ceased. Not long ago, the so-called fintechs were presented as opponents to classical banks.
Today, some fintechs have even acquired a banking licence, meaning that they have to fulfil exactly the same requirements as other, age-old institutions. But have we seen all that digitalisation has to offer? Not at all, if you ask me. At the present point in time, the transformation is only gaining momentum.