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Today, a nexus of disruptive technologies is becoming omnipresent in banking. In a survey we commissioned with the Economist Intelligence Unit (EIU) with 305 global banking executives relating to the digitization of banking, 66% said that new technologies will continue to drive global banking in the next five years, over regulation and changing customer behaviour.

Temenos and IBSI's white paper, Modernizing Banks in Europe Technology Trends and Challenges for Small and Mid-sized Banks, points out that with revenue slowing down, the emphasis is now, more than ever, on cost efficiency, better risk management, and building a resource-light digital platform for servicing customers.