Retail banking is going through a period of substantial change as it moves into the digital age. Banks have large amounts of data about their customers and about their risks. Open data application programming interface (APIs) and data science are enabling banks to use their data to offer innovative and sometimes personalised services. Data science is also adding value in risk areas such as fraud detection and cyber security. At the same time, the move to online banking is making it easier for firms including fintechs to enter banking without having to establish branch networks. However, there are risks, such as possible mis-use of customer data and possible bias in machine learning algorithms. At this webinar, the speakers will discuss these developments in various geographic areas and will consider ethical issues in data science. Chair: John Taylor, Immediate Past President Speakers: Mahidhara Davangere, Pramartha, Phillip Darke, Rendani Mbuvha, University of the Wirwatersrand, Crawford Taylor, Nude Finance, Alexander Labram, Grant Thornton