The November 2022 Aite-Novarica Group report provides a CIO/CTO checklist for navigating the digital, data, and core system implications of the connected bank. It advises collaborating with vendors on a principles-based approach, designing consistent architecture patterns for data interchange, and investing in tools and organizational structures to support digital services and data sharing. Key recommendations include embedding consumer consent and third-party data use into technical designs and aligning enterprise architecture with evolving regulations. The goal is to enable innovation, compliance, and seamless customer experiences in a connected banking environment.

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