Customer interface is paramount

When it comes to modularisation, the customer interface is of paramount importance.
New players are keen to take over these interfaces and become the primary points of
contact for clients. In corporate banking, the procure-to-pay cycle is a prominent example:
search platforms and marketplaces such as Amazon and Alibaba try to control the entire
value chain by supplementing their own offerings with services bought from other providers.

In retail banking, the provision of mobile services and integration of devices are seen as
a means to this end.