Ubiquitous banking, industrialization, new core competencies, and the right balance of collaboration among competitors are key drivers for the banking platform of the future. A new interaction- and process-focused front end combined with the delivery of internal and external functionality in a more flexible way will permit banks to deliver services at the pace that increasingly impatient and demanding customers require. While the banking platform of the future will take years to reach full and complete adoption, a handful of leading banks are already planning their first steps, and the vendors are planning to deliver early instances of related products and product suites much sooner.