Cloud Collaboration Market commentary The path to innovative and sustainable open finance. Historically, financial institutions adopted the approach that they will own and run everything themselves, but many are re- examining the sustainability of this model. The accelerating pace of digitization is driving a greater degree of interconnection. With the growing threat of disruption, increased profit pressures and changing markets and business models, today’s market trends make a strong case for banks to rethink their approach to innovation. As they see the financial landscape innovating around them quickly, digital banks and fintechs are aggressively picking up different parts of the banking ecosystem, forcing incumbents to rapidly assess and evaluate their role in the m

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