The financial services sector is evolving—using new technologies to meet changing customer preferences. We discuss the future of fintech with: Michal Raczka, PMP, IT director at mBank, Warsaw, Poland: Raczka discusses how shifting demographics and customer habits are pushing digital transformation in the financial services sector, plus how low-code platforms are helping his teams deliver innovative products.Kimwood Mott, project manager, digital currency implementation at Central Bank of the Bahamas, Nassau: Mott discusses creating Sand Dollar, the first government-backed digital currency—that’s number 5 on our Most Influential Projects list. He talks through how the team built buy-in and his advice to other leaders looking to launch similar projects.