Renata Vilanova Lobo, Head of Global Clearing, Payments, J.P. Morgan, speaks at EBAday 2022 about how digital transformation has been re-shaping payments, the shift from digital as a cost-saving measure to a culture, how traditional banks can provide a compelling digital offering and competitive client experience aligned with new demanding expectations from the new generations and new client segments, and how technology is also having a cross-impact in other areas like liquidity and credit management.