Abstract
The impact of the 4th industrial revolution, with the convergence of many technologies, has pushed banks to reshape their management and business models, aiming to build intelligent digital banks in the future. Emerging technology trends will reshape how financial institutions operate and interact with customers. Based on a comprehensive document review and analysis, the article identifies emerging technologies that strongly impact banking operating models, such as big data, artificial intelligence, blockchain technology, Internet of things, robotic process automation, hyperautomation, safety and security, and immersive technology. From there, the article analyzes the application of these technologies to current banking operating models such as open banking, banking of things, blockchain banking, and neobanking. In addition, the article also provides some discussions and recommendations for banks when applying emerging technologies to their current digital banking operating model
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