Financial services like every other major product/ service category is undergoing a revolution to the digital transformation. The customer experience around the product now needs to be core focus. The category must be tailor made and pertinent as much as possible. Similarly the offering must differentiate itself from the rest of the competing pack. Employees in the firm must be encouraged to work in their own unique way rather than abide by strict regulations. It must be understood across the firm that the digital approach needs to be everyone’s responsibility and not of any department as such. Processes passed on as heirloom still holding back on achieving true digital transformation.