Today, the pace of disruptive change is happening faster than a hummingbird's wings, and has accelerated during the shock of the pandemic. The Fourth Industrial revolution (4IR) focuses on digitalization, being spearheaded by emerging technologies like IoT, AI and blockchain, which are at the cusp of the disruption. The Fifth Industrial Revolution (5IR) will be all about personalization, driven by innovation, inclusivity and purpose. Hence, the future of customer engagement, retention, and expansion belongs to those who understand the convergence of 'digitalization and personalization'. Our team, at Nash fintechX, is building solutions for 4IR that segways to 5IR.