The modern banknote was formalized in the 17th century. Paper currency, however, dates as far back as the 7th century.Modern banking came into existence in the late 16th century. Cut to a couple of centuries later - Commercialized Internet happened to us in the 1990s. Digital Transformation became a buzzword probably in 2017. So what really happens when a centuries-old established world order meets a new paradigm shift in human behaviour, just shy of two decades old?