BigTechs and challenger banks have opened a Pandora’s box of customer
expectations. Can banks compete? 6
Why collaboration counts: FinTechs’ specialized tools and expertise can empower banks 7
Open banking was just the beginning 8
But behind the scenes, middle- and back-office operations affect customer perception 12
Back-end transformation can be a bumpy ride – avoid potholes with collaboration
by design 14
FinTechs offer innovative enhancements for middle and back offices 16
The disappointing reality of many bank/FinTech partnerships 19
Effective collaboration requires people, business, and process maturity – on both sides 21
Players that collaborate at scale to industrialize innovation will shine within the
Open X sharing economy 25
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