Increased market competition, with the emergence of new players, as well as shrinking profitability, is driving the search for new products and services. Interaction with clients is changing considerably, with operations through digital channels ever increasing and the incorporation of segments into these channels that had not usually operated outside face-to-face networks until now, raising the need to streamline and improve how they function. In addition, improving customer loyalty and increasing revenue also involves an evolution in a financial institutions products and services, based, among other things, on co-creation in collaboration with organisations from other sectors for the development of new financial or non-financial products, leveraging the incorporation of IoT elements, or data sharing in joint models.