Banks are currently shifting their online services to mobile ones in a way that fails to take advantage of the unique elements that new technologies offer. At the same time, new initiatives such as crowdfunding or peer-to-peer lending are emerging and growing faster, fostered by digital interactions. According to Prof. Evgeny Káganer this is only the beginning. Banks will have to rethink their strategies and the services they offer if they are to succeed in this new scenario.