It’s about time someone wrote this book. Not the carefully worded white papers, the generic press releases or the polished conference keynotes. But an in-depth look at why banks are transforming and how they are setting about actually doing it. Large banks are shovelling billions into “digital” projects: new apps, chatbots and APIs. They will confidently tell you that they are “digital” and they will survive the technological and cultural shifts that are changing consumer expectations, business models and entire industries before our eyes