The document discusses the effects of digitalization and the 4th Industrial Revolution on the traditional banking industry. It notes that the digitalization is putting pressure on traditional omni-channel relationships of banks and splitting the ground of action. New challengers from FinTech are emerging, bringing disruptive business models to payments, loans, insurances, and mobile banking. The document considers whether banks will become competitors to FinTech, act as strategic partners, or continue to dominate. It concludes by encouraging the audience to stay connected on this important industry discussion.