Open banking success relies on collaboration, and financial services firms must start that journey at home. Banks have powerful strengths: healthy customer relationships, scale, and data. But those strengths risk being muted by organizational cultures that focus too heavily on the downside. To succeed, leaders need to get the right culture in place to support collaboration and turn the conversation to opportunity, rather than threat. Forrester has distilled insight from conversations with global banks into common traits for digital banking leaders.