The change in the relationship between banks and their customers that has been occurring for well over the last decade has dramatically accelerated in the recent few years, driven partly as a result of the pandemic-induced changes in consumer demands, but also as a result of new financial apps and the faster connectivity speeds that power them, resulting in changes as to what banks see as their top technology priorities. Further, led by the retail industry, consumers have become accustomed to low-friction, fast and relevant service, predominantly through online, and increasingly, mobile channels. For the banking industry, this trend has led to increased investments in technology and a precipitous decline in brick-and-mortar locations.