Today’s consumers expect services and seamless interaction points across all channels, insisting that today’s businesses make engagements and transactions fast and easy. And banks are no exception to these expectations from digital consumers. Certainly, if you ask David Chapman, he would agree. “The rapid proliferation of innovative fintech start ups has opened up a new world of opportunity,” says Chapman, the chief information officer for Teachers Mutual Bank in New South Wales, Australia. “You either put yourself in a position to take advantage of those changes, or you will be made irrelevant by new competitors.” Teachers Mutual Bank (TMB) is one of Australia’s largest mutual banks, with more than 193,000 members and nearly $5 billion in assets. In order to stay competitive

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