For several years, the digital transformation has been the leitmotif of much reflection and, though the process is still underway, we can say that digital services are now a fundamental part of banking services. In other words, banks are increasingly offering digital services to its customers, both as interfaces and in the most significant processes, which are being transformed by the digital world. While new paradigms with potentially disruptive impacts are nearing and banks are involved in a high number of pilot projects and initiatives, we are seeing certain priorities taking shape, which we have analyzed and studied in the past, in a logic of unceasing linear evolution. We are looking at the upcoming challenges and leaps forward that innovation will push us to make with an open mind and the ability to govern the change: the phenomenon of FinTech is vibrant and represents an opportunity for transformation for banks that believe in adopting new paradigms of open innovation and pursue them with conviction. At the same time, as a result of the transformations that will be brought about by the introduction of the processes in production based on distributed ledger technology, we will consider elements of governance and relationships between the various players in the ecosystem, generating additional paradigm changes.

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