Which of the following technological frameworks is primarily used in retail banking to ensure the integrity of the Know Your Customer (KYC) process through remote biometric authentication and liveness detection?

Consider the following statements regarding modern banking technology: Statement 1: Artificial Intelligence in retail banking is limited solely to front-end customer interactions and is strictly prohibited by regulators for risk management or database-level decision-making. Statement 2: Open Banking, powered by APIs, allows retail banks to securely share financial data with authorized third-party providers upon explicit customer consent, enabling frameworks like Account Aggregation. Statement 3: Predictive Analytics in retail banking utilizes historical transaction patterns to predict customer churn or proactively suggest solutions like debt restructuring to prevent defaults. Which of the statements given above are accurate?

The evolution of banking technology from stand-alone computerization to Core Banking Solutions (CBS) and finally to Digital Banking best illustrates the shift in the primary focus of technology from: