The world has witnessed an evolution of platforms (Google, FB, Amazon), gaining millions of customers over the last two decades. The success of these can be totally pegged on every customer being treated as an individual, i.e. N=1. In the existing highly competitive environment, the BFSI sector is looking for technologies that cut across data silos, products, channels, employees, customers, and seamlessly integrates them. To understand the road ahead, Banking Frontiers, along with knowledge partner, Speridian Technologies conducted a panel discussion with eminent panelist Shripal Shah, President and Head-operation, Finance & Technology, Kotak Securities; KV Dipu, Head- Operations & Customer Service, Bajaj Allianz General Insurance; Anand Bhatia, CMO & Head Analytics, Fino Payments Bank and Mohammad Omer Kundi, Practise Manager/ Global Banking SME, Speridian Technologies, while Manoj Agarwal, Group Editor, Banking Frontiers moderated the panel.