The world of banking is having to adapt to constantly changing business models. What's more, new players are breaking into the retail banking sector, something which is driving down profits. As such, having well-designed, multichannel and personalised business platforms is the key to getting ahead in this competitive sector.

Robust information systems which allow operating costs to be reduced and risks effectively managed have also become essential. This is because, as well as having to constantly redesign their processes in order to make sure theymeet the needs of new digital clients, modern banks must be present online, on our mobile phones and on social media.