The digital journey of banking and insurance Volker Liermann Claus Stegmann (editors) ; Volume 1: Disruption and DNA This book one of three volumes showcases the effective transformation of companies providing banking and insurance services. This first volume gives a business oriented introduction to the setting and the current challenges of fintech regtech and insurtech and provides an outlook on what will be needed in the future. Specific sub departments in financial services are examined with a view to accounting risk and regulatory segments. The book also addresses the importance of cultural aspects of the coming digital transformation with an eye to requirements that will enable a digital bank or insurance company to thrive in 2025. The angle shifts over the volumes from a business driven approach in Disruption and DNA to a strong technical focus in Data Storage Processing and Analysis leaving Digitalization and Machine Learning Applications with the business and technical aspects in between.