Banking customers have changed. No longer is providing security for funds the only concern - security is table stakes. Customers now demand optimized agility.

Banks have found themselves lagging behind this demand, and entities like PayPal and cryptocurrencies have stepped in where banks have failed to define the industry. But that's not the end of the story.

Fintech provides an opportunity for banks to not only provide new services, but change their mentality, change their company, to a relevant, digitized firm, providing services and access in ways they never have.

Digitization isn't the problem, it's the answer.