This 10-min presentation briefs the impacts of digitalization on bank and its clients. It was also my personal presentation in the course "Économie Numérique" in Sciencespo Paris. - Intro: From now to 2020, FinTech companies launch itself principally into retail banking and transfer&payment market. - Part1: New technologies disrupt the value chain of banks. - Part2: How to react? The banking sector has to engage itself in the digital transformation. - Part3: Do the banks have to collaborate or compete with FinTech companies? - Wrap up: Some traditional business models are not the guarantee of a stable future, while it's necessary to endeavor to take advantage of digitalisation opportunities.