Digital transformation is by no means a new topic. It is a trend that we have seen gradually evolve across all industries in the past few years, with the retail banking space having to adapt to changing customer expectations, and new regulatory requirements. It is therefore no surprise that in GFT's annual Banking Expert Survey, it was revealed that all UK retail banks now have a digital transformation programme in place. This is a positive sign and shows that digital transformation strategies are perhaps now just part of'business-as-usual' in what is a rapidly evolving digital landscape. What is important, however, are the specifics of these strategies.