Kenneth Farrugia is the chief business development officer with the Bank of Valletta. Kenneth starts this conversation off with a bang, making the case that if banks don't stay on top of the technological revolution, they run the risk of becoming irrelevant. Next, Kenneth, perhaps counterintuitively, labels legacy financial operations who've jumped on board with Industry 4.0 as FinTechs, while the up-and-comers are TechFins. Of course data and security is a big part of the conversation as well. Balancing the convenience of turning over one's data with the risk of data breaches and/or privacy concerns is on the forefront of every financial institution's mind. Kenneth discusses additional pain points to the future of banking, both for the client and corporation, and potential solutions for those pain points.