Determining the direction of the digital banking race should be easy enough. It's a race for the customer. But in what direction does that customer lie? Riddle me this Batman: where is she? As puzzling as a chameleon inside a packet of Skittles. For the last couple of years the answer has lain in onboarding. Come up with a snazzy looking app with a catchy tag line and onboard the customer within a couple of minute before they lose interest and abandon the process. Tick Tock, Instagram and doom scrolling have driven the attention span of the average mobile phone user to less than 12 seconds. Hurry up! Go faster! To capture the next genration of customer, the Millenials and GenZ's , everyone seemed to get the message. "Get them before they change their mind" KYC technologies errupted with Silicon Valley  and Bank VCs chasing them hard. Take a selfie, upload some identity docs, conirm they are in your market, validate they're real, compare them, if all good, give the customer an account.