In our third and final episode we examine challenges the industry faces to progress while meeting the evolving needs of its customers, and why collaboration within the industry is necessary to achieve this objective. Our panel discusses the importance of culture and technology, what players should do to collaborate better and the idea of unfettered access for all. Panelists discuss these issues and more and provide listeners with advice for the future. Thank you to 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) for your thought-provoking insights.