Bheem Adavikolanu, Chief Transformation Officer & Baiju Panicker, Global CTO & Practice Head – Banking, Insurance & Financial Services, Altimetrik In today’s ‘tech-celerated’ world keeping pace with changing trends and technologies is essential. Banks and FinTechs need modular solutions that are flexible, scalable and that offer continuity. But the first step in digital transformation is to understand what needs to transform and why. At Money 20/20, Robin Amlôt of IBS Intelligence speaks to Bheem Adavikolanu, Chief Transformation Officer (pictured) and Baiju Panicker, Global CTO & Practice Head – Banking, Insurance & Financial Services, of Altimetrik.