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Before the COVID-19 pandemic, the research team at Arizent presented the findings of an extensive online survey among American Banker subscribers. The objective was to learn financial services executives’ perceptions of their companies’ preparedness for digital disruption and progress toward transformation. Sponsored by FICO, the survey generated hundreds of detailed responses from financial services leaders around the world — 75% working in traditional banks, 25% in FinTechs. The full survey findings and a detailed whitepaper are available at fico.com/ABresearch.