An increasing number of banks are working on long-term business and IT visions of the future, realigning IT strategies on a continual basis. To help enterprise architects better understand the business and IT environment of the future, Forrester surveyed key vendors in the banking space and interviewed banking executives from five continents to get their take on banking's — and banking IT's — future. The net outcome they expect for their businesses? More fluid organizations, changing core competencies, and more specialization, as well as collaborative competition on regional and global levels.