Today's consumers have embraced technology like never before to connect with each other and the organizations with which they do business.

Using iPads and smart phones, they are hooking up with digital services and communities that are available anywhere, any time, and have a deep understanding of their unique needs.

At the same time, many smaller financial institutions have become increasingly disconnected from the way people live today because they continue to operate on outdated technology that hasn't kept pace with what consumers need. This jeopardizes a traditional strength – their close relationships with and knowledge of the people they serve.

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