Over 20 years ago Eric Raymond wrote a philosophical essay on a technical subject – software engineering. His story centred on two distinct styles of development: The Cathedral, where software is carefully and quietly crafted by individuals within an isolated, mostly secret development team. And The Bazaar, where chaotic, babbling open source development, miraculously coherent

The way we interact and surface financial services will change. There is no way back. Pre-Covid, face-to-face-only banking customers were already becoming the exception. Globally, the share of digital-only and hybrid banking customers jumped from 65% of all customers in 2015 to 88% in 2019, according to Boston Consulting Group. The arrival of the Covid-19