The concept of connectivity is a defining proposition of the digital age of banking. Lines of business and systems can no longer operate as stand-alone entities, but need to be all connected in order to better serve a new customer-centric universe. In order to give customers the immediate, “anytime anywhere” service they demand, systems must interact with and support each other in real-time, providing up-to-the-minute data, information, and analysis. Banks can no longer see themselves as selling individual financial products to their corporate customers, but rather as providing value-added services through a digital ecosystem such as the one pictured here. While each element has its own product or service to provide, what will differentiate a bank from its peers is how effectively each element works with the others to form a symbiotic delivery system where the whole is greater than the sum of its parts. A good ecosystem will have a number of critical features—cloud-based, digital and mobile delivery, real-time processing, and APIs and web services with standards-based connectivity.