1.0, 2.0, 3.0ĭigital 1.0 of the early 2000s was primarily about taking banking from manual to digital mode. To understand this, let's track the evolution of “digital” in these two decades. The real picture is that although banks have made sincere efforts to digitize in the last 20 years, they have been chasing a constantly moving goalpost.
It’s easy to read this trend as a lack of complete effort among banks, but that is only part of the truth. 43 percent said it was partially deployed, compared to 63 percent the previous year. In the latest edition of the Innovation in Retail Banking study co-produced by Infosys Finacle and Qorus and authored by Jim Marous, 14 percent of respondents – down from 17 percent in 2020 – said their digital transformation had been deployed at scale and was delivering value as expected.
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