The 2022 Bank Budget Planning guide highlights the struggle retail and digital leaders face aligning with CFOs during uncertain times. It recommends first securing agreement on foundational investments like clean data, account connectivity, mobile-first experiences, personalization, and financial wellness, which enable long-term agility. Step two is reframing enhancements as experiments tied to goals, allowing pivots as conditions change. Success requires humility, adaptability, and partners able to evolve with shifting demands, ensuring budgets remain aligned with future priorities and minimizing risk.

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