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In an increasingly competitive financial services arena, institutions are under constant pressure to meet shifting consumer demand. So, how can they deliver market leading innovation, while remaining agile enough to manage this evolving marketplace?

Agility and innovation need to be key drivers for all financial institutions today as they react to the technology boom shaping consumer demand. They must also navigate an emerging landscape of disruptors – companies seeking to enter a single part of the ecosystem to provide a materially better proposition (think Apple Pay™ and TransferWise) – and those that have their sights set on the whole banking product set. And these new power players in the financial space are more than willing and capable to meet consumer demand for convenience, transparency and a customized digital experience.

But there is a bright light at the end of the tunnel: technology. Technology can be the great equalizer for banks as they push forward against the rising tides of competition and fickle consumer preferences.

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