Monument Bank, a neobank, needed to rapidly deliver a differentiating set of banking applications, without creating tech debt that would encumber it in the future. Using cloud-based business applications for CRM and core banking, it built a custom umbrella layer to deliver outstanding customer experience (CX) and to compose the cloud applications into a flexible, differentiating application landscape. Digital leaders in banking (as well in as different industries with similar technology challenges) should read this report to help them plan their transformation journey while targeting superior CX, agility, and flexibility.