Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. As banks increasingly work with modern technology providers, ecosystems are forming around them and the businesses they serve. Norm DeLuca is the general manager of digital banking solutions at Bottomline Technologies. He knows something about ecosystems and something about banking — spending 20 years in the industry. Bottomline works with nearly 1000 banks around the world to connect them with businesses and innovative partners using digital technologies to help them move the ball forward. Norm DeLuca is my guest today on the Tearsheet Podcast.