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president of Tech Mahindras technology.

Can the government really just sit back and do nothing?The legal framework has to be adjusted to take digital developments on board.Rules for artificial intelligence were put forward just recently that many felt were overly restrictive.

Were not looking to hold back development; instead we want to maximise the potential of AI for smart bank services for the benefit of all.Does that mean cash will soon have outlived its purpose?Digital innovation is having the same transformative impact on finance today as the steam engine did on industry two centuries ago.Whats the upshot of the digital transformation for banks and consumers?Banks can streamline their processes.

The pandemic has marked a turning point in public awareness of the raft of benefits that digital progress can deliver.But consumers stand to benefit as well: bank services will be easier to access they will be available 24/7 in some cases and far quicker.

Whats your take on this?The new AI Regulation is centred around consumer protection and proposes very high standards.

but for users as well just take the fact that theres not normally any legal entitlement to exchange them back into government-issued moneyIs this list missing something? Tell us about your own app suggestions and recommendations.

If you havent made your choice already.DevelopmentBest free Microsoft Office alternatives: FreeOffice and LibreOfficeText editors: Sublime Text.

eM Client is free and highly customizable.as you can natively sync across devices.