While society has changed markedly through globalization, emergence of ‘digital natives’ and the nearly-unpredictable breakthroughs brought about by the information age, our financial systems are still largely rooted in the paradigms (and toolsets) of the late industrial age. Whether because of regulation or complexity, financial institutions have not yet been able to tap into the transformative potential of digital platforms. This research was compiled with generous funding from NTTi3, the platform IT company.

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