A survey of banking executives recently conducted revealed that their top three short-term priorities are: One, removing friction from the customer journey; two, incorporating big data and advanced analytics; and three, providing integrated omnichannel services. These are certainly exciting areas to be heading toward, as they lead to direct outcomes of reducing costs and growing revenues. However, the challenge that many banks and credit unions will experience while working to achieve these priorities is that much of their processes are still off the digital grid.