In order to remain relevant in the world that operates digitally, it has become imperative for today’s banks to beat competition by switching from their age-old legacy systems to more robust, efficient, and modernised platforms. Most of the leading banks are investing heavily in digital technologies (including AI, Automation, Cloud computing, Data Analytics, blockchains, DevOps and much more) to reap their benefits and stay competitive in the business but how does the smaller banks embrace this new shift.