be overtaken by the new techies.Blockchain,AI,cryptocurrency and smart contracts currently usurped the public ovation,deemed to be Core competence of any financial institution in the next decade.Equipped with highly datacentric technology,financial institutions will be positioned to offer improve faster risk assesment,customer product matching,enhanced security and customer focused and intelligence driven operations.The rise of fintech or financial technology enables market competition even could share infrastructure and equally legacy banks to rething their technology and grow innovation for better services.Digital banking as one of core fintechservices grew from innovative practice androde on consumer interest and on the frontuser experiencefor the mobile apps moving to the backend,with greateremphasis on data analytics.To add valueto the services enterprisebanks find common ground to collaborate with Fintechs or fintech startup to grow this valuechain.The strategic delivery of institutional capability