The next generation of banking and insurance customers is generally speaking less loyal to companies or brands. They tend to perceive financial products and services as interchangeable. Innovative startups such as N26, ndgit and Apiax have been developing tools that provide financial institutions with new solutions to improve user journeys, personalization, and customer relationship management. These solutions help banks and insurance companies to fulfill the needs of the next generation of customers and stay competitive in the face of globalization and digitalization. F10 strongly believes that incumbents should be collaborating with disruptive startups instead of competing to further innovation and…