Panos Archondakis, Global Head of Banking and Wealth Management at EPAM, shares his predictions for Consumer Banking trends in 2022 and explains why we are seeing fragmentation in the market, and what impact this has had on banks and their customers. We learn about the key findings from EPAM's recent Consumer Banking Report, including what consumer's preferences are today and how banks need to be more progressive in their efforts to educate, inform and advise their customers.