From one day to the next everything changed; a “Virus” did it. Nature took a break and we had to walk into the future, but the future made us quickly adapt to it and evolve. The Digital Transformation (DT) showed its true face, technologies are constantly evolving, here is Artificial Intelligence (AI), accompanied by the “cloud”, mobility, Blockchain, Big data analytics, etc., Companies They are constantly improving; Face-to-face banking is yesterday, digital banking is today, they work 365 times around the sun, processing transactions made from a cell phone, with fast, efficient connections, programs that chat with us, and all this to improve and “personalize” their services. achieving loyal and captive clients by “managing risk”. The methodology we have carried out focused on a documentary review of literature with scientific bases such as Scopus, Scielo, among others, ...