"The definition of digital has changed. For years, 'digital' meant delivering your products and services online and through mobile devices. Now, financial institutions realize that digital means two things. First, digital means using modern technology to deliver products and services through the best possible customer experience in every channel and every customer touch point. Second, that modern technology allows you to quickly engineer and re-engineer processes and applications that support an ever changing landscape of customer preferences, greater availability of data to make better and faster decisions, and the integrations necessary across operating platforms to operate on an omni-channel basis."