Nairobi, July 12 -- Across East Africa's banking sector, digital transformation is no longer a competitive advantage; it is the baseline for survival. Over the past decade, financial institutions have invested heavily in mobile banking, digital channels, automation and core system modernisation.

These investments have expanded financial inclusion, scaled digital payments and transformed the interaction of customers with banks.

Yet the pressure on banks continues to intensify. Fintech competition is growing; regulators are being more careful, cyberthreats are becoming more advanced and customers expect fast, personalised and seamless experiences. At the same time, AI is beginning to reshape the future of financial services.

The question...