In our expert interview, Irina Lahtadire, Senior Product Owner at Contovista, outlines her vision of a modern, digital banking experience. While Challenger banks such as N26 and Revolut have previously based their value proposition on user-centered design, data-driven banking is now opening up new technical possibilities for established banks as well. How can the banking experience based on data be even more personalised than before? What does the development path to a modern banking app look like? What priorities should banks have in place now? We ask the questions, Irina Lahtadire provides us with the answers.