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A nice synopsis of the expectations from an AI enabled transformed CX framework and then the necessary tech stack to achieve that. Wish to see some deep dives into some of these capabilities. Good luck! 

Thanks @Ramdas for your comments and inputs, totally agree with you. I think we will see more examples of this approach as banks focus on smoothing out the journey even more for new customers. Lemonade in the US, has been a good example of this in the insurance market.

Thanks @Ketharaman for your thoughtful comments. There are quite a few neobanks in Europe and USA that have no branches. By necessity, all of their customers are opening accounts digitally end to end – Monzo in the UK is a good example of this. Using what is publically known about Monzo customers as an example, they are younger, often opening their first account after university. These customers do not go to bank branches any more. 20% of Monzo customers use their new account as a primary account. (This is Money, 2 July 2018) That percentage is growing.