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3:00 pm Eastern | 2:00 pm Central | 1:00 pm Mountain | 12:00 pm PacificIn light of latent asset quality concerns and stock market valuations that have hammered the financial services sector, Bank M&A has slowed significantly. Moreover, COVID has dramatically increased the transformation to digital banking. In this environment, customer acquisition and retention has been about technology. This presentation covers the current lay of the land as well as what is needed for financial institutions to compete in digital banking and engage in BaaS.