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There is an opinion that banks have no future. Observing the development of digital technologies, it becomes clear that there is no limit to innovation. Things that seemed impossible yesterday, are becoming a reality today. Events around give pause for thinking what will happen next? Due to digital transformation, the banks change over to a new level of "competitive race." This is not a new project, but a journey without terminus ad quem (journey without final destination), when the banks need to move from off-line to full digitalization.