More than a decade of fintech innovation has led to a thriving digital banking scene in the UK. Offering consumers a convenient and easy way to manage their finances via a mobile app, the digital banking model has been predicated on building an app on the public cloud whilst utilising the latest technology. But has cloud-based technology really created meaningful disruption in the banking sector? Will we ever see banking disrupted in the same way streaming has changed how we consume TV, or have we reached peak disruption? In this presentation, Chase UK’s CIO and CDO, Paul Clark, will talk about what needs to happen to create long term and lasting change to the banking landscape, and why ultimately consumers should be the big winners of any disruption.