Banks are under pressure because of Google, Amazon, Paypal and so on. Seventy-three per cent of millennials feel that banks are not necessary. Banking is a good consumer of technology. IoT, ML, AI (Automated Intelligence). In IoT, we have devices generating data that pose a serious threat. So, the strategy, the kind of data trough and accuracy are important. Banks are using Chatbots, which is like AI. NCC Bank is working on IT platforms, working on Chatbots for our mobile app.