Whether it benefits customers and employees on the front end or core systems on the back end, digital transformation is a top shelf to-do for banks in 2019. But it's not as though the imperative comes with easy-to-follow instructions where "tech gadget a" plugs into "tough problem b."

Here to share her smart strategies this podcast, we have Kristiane Koontz, executive vice president, director of banking transformation at Zions Bancorporation.