Traditional banks need to digitalize and automate continuously to compete with their faster, more agile digital challengers. Without the considerable handicap of legacy technology, digital banks are able to respond and get to market extremely quickly. And — in the same way that complex and unwieldy software packages are a huge burden on conventional banks, and new functionalities are difficult and expensive to deploy — it's just a fact of modern business life. Finastra and Luxoft have worked on resolving many of those concerns, delivering a comprehensive solution to banks and treasury services. These services combine a simplified architecture and an as-a-Service delivery model, which can be used as a seed for a streamlined, cloud-based Treasury as-a-Service offering.