In this episode, Neil talks about where banks should start when transforming their institution and shares a case study of a regional bank that partnered with Finastra. He reviews some of the key barriers he has seen as banks implement new technologies, such as legacy tech debt, the challenges of innovation while balancing regulation and security and the skills and capabilities of a bank's talent. In addition, he shares how a culture of micro improvements and digitization, along with the focus on banking as a service, work together to improve a bank's customer experience.