ABSTRACT
Over the past two decades, banks have intensified their digital transformation and investment. Between the metamorphoses of bank branches and the development of new digital services, projects to improve their profession and the customer experience are multiplying. The digital transformation of banks is not just a trend, it responds to the new structural and strategic challenges facing the sector. However, on this transformation path, the bank still faces competition from shadow banking and digital transformation obstacles. This article aims to present a brief synthesis of the literature on the main developments induced by digital technology in the banking sector. We outline this ongoing transformation in the analysis of the case of the Fintech Lenddo which introduces an innovative banking paradigm based on the analysis of big data and the application of artificial intelligence allowing more banking inclusion. It can serve as a roadmap for banks interested by the implementation of the psychometric approach. It also allows a better understanding of digital transformation and its impacts from an organizational perspective.
