Welcome to The Tearsheet Podcast, where we go deep into the ever-evolving world of modern financial services with the people making it happen. I'm your host, Tearsheet editor, Zack Miller, and in today's episode, we're diving into the digital banking landscape, its transformation, and how financial institutions are adapting to this new ecosystem.  Joining me is Tim O'Connor, Principal at Deloitte in the United States, practice leader in digital banking and payments. He’s also responsible for Deloitte’s investments in assets and product around banking. In this conversation, we'll explore the journey of modern banking technology, from its monolithic roots to the dynamic, composable ecosystem we see today. We'll discover the driving forces behind this transformation and how supply and demand have played a role. Tim will share valuable insights into the approaches banks are taking to adopt these new technologies, from creating entirely new digital brands to coexisting with legacy systems. We'll also touch upon the global perspective, as we draw lessons from Europe's experiences in the digital banking sector and explore how these insights are shaping the future of banking in the United States. And we also plumb the Deloitte BankingSUITE, a solution that's accelerating modern digital banking propositions. Tim will share how this software streamlines the often complex and time-consuming process of building a modern digital bank. Stay tuned for a thought-provoking conversation that will shed light on the present and future of banking technology.  This podcast is part of a four-part series we’re doing with Deloitte’s financial services leadership on the trends shaping our industry today and out into the future.