The Banking industry deals with the section of the economy devoted to the holding of financial assets for others and investing those financial assets as a leveraged way to create more wealth. It is an industry that handles cash, credit, and other financial transactions, including regulation of banking activities by government agencies, insurance, mortgages, investor services, and credit cards. As it plays as one of the key drivers of a country’s economy, it provides the liquidity needed for families and businesses to invest in the future. The most prevalent trend in the banking industry today is the shift to digital, specifically mobile and online banking. This digital transformation has led to increased competition from tech startups, as well as consolidation of smaller banks and startups.