This episode is the second in a series of three podcasts, a panel discussion on the evolution of financial services. We discuss where the industry is going, some of the changes taking place, and how this will impact the future. In part two, we examine the importance of understanding what customers consider to be banking. Does scale matter as we turn FS on its head? Is digitization central to success, or is it old news? Panelists include Richard Goyder from Finaptic Technologies (Banking-As-A-Service), Panagiotis Kriaris from Unzer (Payments), Keren Moynihan from Boss Insights (Commercial Banking) and Mahima Poddar from EQ Bank (Digital Banking).