the additional info i have is the link, which is against the policy, try to answer tge way possible you can.

Technology and digitization have created opportunities for new players to emerge in banking, just as they have in nearly every other sector of the global economy. Incumbent banks around the world should act with urgency to protect their advantages, which are under direct attack by these new providers. According to the statement above, banks need to react to new competitors in the market or face the consequences. Identify and describe in your own words the five (5) possible future scenarios for Banks as identified by De Cos (2019). In your description of the five scenarios, you must make particular reference to the following aspects: Who owns the customer relationships and the core banking services, and does this change over time? What happens to the business model and technology of these banks