Consumer expectations and behaviours are changing more rapidly than enterprise technology, forcing retailers to rethink how they design and architect their technology stacks to differentiate their offerings and avoid racking up technical debt. One approach to this conundrum, which is gaining more airtime in conferences and discussions between vendors, consultants,

At a time when consumer expectations are evolving faster than many financial services organisations can respond, the need to seamlessly integrate applications, data and devices has become critical. But unlike new startup competitors hungry to enter the market or even larger dotcoms unburdened by a legacy businesses, banks and other