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Cloud computing, Artificial Intelligence (AI), Customer Data Platforms (CDPs), virtualization and quantum computing are all technologies that are making a big difference in the way banks can serve their customers. Banks, financial institutions and retailers are embracing the advanced cloud architecture, leveraging specific technologies such as immutable infrastructure, declarative code deployment, cloud-native processors, containers, microservices, serverless functions, and more. BaaS enables consumer brands and retailers to offer financial services without a full-fledged bank. However, companies should be aware of potential challenges such as data security, vendor lock-in and regulatory compliance.
