Anthony Thomson, Founder, Atom Bank and Metro Bank, and NED of Agiliti, at “Banking on the Future”, a seminar produced by Fiserv, Innovate Finance and techUK, talks about how digital can enable the cost-effective provision of outstanding products and services to customers, the fact that new entrants such as challenger and shadow banks are changing the market in a way that incumbents must follow, and how the threat to established banks is not challengers per se but the rapid business model evolution being driven by digitalisation.