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Banks can use technology in the following ways to enable growth in those three areas: Payments: embedded payments offerings for merchants, peer-to-peer payments, and virtual credit cards Wealth and asset management: online brokerage and online retirement solutions, as well as AI tools for wealth advisers Transaction banking: cash management dashboards for small and midsize businesses and integration of treasury management services with enterprise resource planning ERP tools for large corporations The pace of innovation is rapid, and sustained investments in technology are required to meet customer needs and defend market share, in particular against nonbanks such as fintechs and Big Tech companies. Since many of these hardware markets have matured over time smartphones, tablets, PCs, and laptops , companies have been trying to earn revenue from additional sources, such as apps and subscription services see: Apple. Which would you think is a better fit if I want to move to a large or middle-market PE firm, or move to corp dev role. A team of dedicated specialists, in Canada and internationally.