Being attractive to consumers who are moving away from the traditional idea of a bank and now use their mobile phone as their main tool is an important and substantial shift. This opens doors for new players to eat their way into the sector. Non-banking companies, the emergence of fintech players, offering advanced digital banking solutions. Blockchain and Artificial Intelligence (AI), buzzwords for a few years now, all introducing hi-tech initiatives that become mainstream. They are players entering and presenting value propositions that bypass the strict regulation that has traditional banking. The banking space is clearly out of its comfort zones and new landmarks exist for the ecosystem.