Efma & Backbase present. Omni-channel banking The digital transformation roadmap

The article aims at defining digital transformation in the banking industry, outlining what banks and FinTech companies are both developing in the market, and also pointing

9 MIT-CDB and Capgemini Consulting, For more information on formal digital leadership roles, see “ Governance: a central component of successful Digital Transformation ,” 2012. 10

The theoretical premise for this conceptual framework is that: the application of digital technologies with the aim of achieving a successful transformation, must lead to