Philip Panaino, global head of cash management of Standard Chartered talked about the opportunities in the banking industry in this digital world. In a post-COVID era, he felt excited about the use of technology and working within the ecosystem to add value to the customer’s payment journey. “Capitalising on the digital advances that we've made in the pandemic era, we, as an industry and as a bank, got an amazing amount of unique opportunities ahead of us. Whether it’s using technology such as distributed ledgers, working with central banks on building digital currency capability, whether it's working with interconnected networks to create a seamless frictionless cross-border payment experience for a corporate client and the consumers out there,” he said.