Alistair Brown, VP, Global Head of Open Banking & Payments, EPAM brings FinextraTV up to date with the latest banking trends and highlights what's driving the disintegration of traditional banking. We hear about the globalisation of Open Banking and the evolution of Embedded Finance and Open Finance, how BAAS, and cloud-native core banking solutions are transforming the retail space, how the way we make payments has changed, and the role of data in driving new business models in 2022.