The financial services industry is in the middle of rampant disruption and it’s only the beginning! The intersection of technology and customer behavior will only continue to drive further change in the industry. To keep pace with this new fast-paced banking environment, traditional banks and financial services companies need to increase business agility, make technology investments and reach customers in new ways to be competitive. As an organization, you want to be the driving force behind change in the industry, setting new standards, and playing a pivotal role in the evolution of banking in the future. Below we’ve identified four key areas where financial services companies should continue to focus modernization efforts in order to survive against new players disrupting the banking and payments system.