Making the Switch. Rewiring Banking - an Insight Paper from MagnaCarta and fiveºdegrees. In this newly launched paper we've collaborated with fiveºdegrees to look at the five steps to managing the digital banking transition. "Making the Switch" includes insights from interviews with heads of digital banking and innovation at traditional and challenger banks across Europe, fintech engineers at fiveºdegrees, and draws on data from the Fintech Disruptors 2018 research to explore