For decades, the banking industry had been based on branch-based and mainframe-supported operations that solely focused on the efficiency of processing transactions in person, at ATMs, on the phone, and with plastic cards. But, the impact of digital technology lately has moved to make transactions out of the branch and on to mobile devices in the face of advanced data analytics allowing for personalized delivery of services. The integration of AI, robotics, blockchain, open banking APIs and the internet of things is about to accelerate the pace of digital change exponentially. We are already seeing multiple tests of all of these digital technologies to different degrees across the industry. These tests are significant to keep pace with consumer expectations. Artificial Intelligence and Machine Learning - To improve customer service, organizations are testing the use of chatbots while machine learning is being used to decrease fraud and improve personalization. Blockc