The future has always been a moving target. It’s like a hockey game, where the puck moves in every direction, fast and furious. Wayne Gretzky attributed his success at the game to advice he received from his father: “Skate to where the puck is going, not where it has been.” In financial services, going to where the puck is going has become problematic. For years, financial institutions reacted to changes as the need presented. They responded to changing customer demands with new products, satisfied regulatory challenges with new reporting capabilities, and grew their asset base with new acquisitions.