It is impossible to go outside and not notice banks offering consumers new ways to save, send, spend, and access their money at a bank. This trend-to ease access to funds – extends well beyond the retail banking sector and is equally prevalent among investment banks, private banks, hedge funds, mutual funds, ETF’s and just about any financial institution, large or small. It is arguably the single most compelling commercial driver in the financial services sector. Financial institutions compete aggressively and continuously for dominance in this regard and technology is, in all cases, is the single most important differentiator across institution, customer, and geography.