Modern, cloud-based digital technology is necessary for financial institutions that are seeking to address the customer experience, improve internal operational effectiveness, streamline internal communications and allow access to data across the enterprise. For years, the only option was to develop such technology in-house, at great expense and expenditure of resources. But today, banks and credit unions have a better option: the ability to buy technology and implement it quickly, cost effectively and more efficiently than they could on their own. In this white paper, we explore how the vendor landscape has evolved over the past 5-10 years, making the decision to buy more compelling than ever. We also share an actionable roadmap for approaching any major digital transformation journey, with learnings and leading practices gleaned from hundreds of engagements with financial institutions of many sizes and with a wide range of strategic objectives.