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Transformation Definition Illustrated Mathematics Dictionary Retail banks are increasingly collaborating with FinTechs as they don’t dispose of the speed, technology, agility, technological (non-legacy) experience and sometimes even customer experience skills and deep customer understanding FinTechs have. In some regios these collaborative efforts are more important than in others but we clearly see a convergence of FinTech and incumbents in many forms and shapes. These changed expectations and behavioral patterns obviously also impact us as patients, one of many reasons why there is an increased focus on patient-centricity. However, let’s certainly also not forget healthcare workers who display changing behavior as well and use digital and mobile platforms too, which leads to an even more information-driven healthcare. Information and information management are also key in all three parts of the well-known 1) people, 2) process and 3) technology/tools triangle. The changing behavio