New technologies are changing the functioning of the financial system, questioning the role of the bank that has been established over recent centuries. The expectations and needs of individual customers have changed, as they move freely around the web, are used to a wide range of choices and demand careful treatment. The needs of digital companies have also changed, increasingly selling their – often digital – products via e-commerce on international markets and need innovative payment solutions. In order to maintain and expand their market presence, banks must undergo a thorough digital transformation, which requires internal restructuring and a change in thinking about the nature of a banker's work.