The 21st century will be known as the digital age. Technology has infiltrated almost every aspect of people’s lives on all continents, and banking services are no exception. Payments in many countries take mere minutes and in some cases seconds, with bank account numbers and sort codes being replaced with biometric information, phone numbers and other forms of personal data.
Afraid of being left behind or phased out by emerging entrants, many financial institutions – and their regulators – are
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