Celent suggests that Asian banking industry regard a digitalization plan as an opportunity — a means to make a digital impact and orchestrate change in a newly evolving industry. Celent recommends viewing this as a chance to reconsider business and IT architecture as well as a way to tackle module design. Digital has wrought tectonic change in financial services on the demand side (consumers) and has generated a tsunami of change affecting financial services on the supply side (financial institutions). It is imperative to recognize and accurately understand the resulting impact and to search for new business models and IT sourcing that can enable it. Will piecemeal, stopgap solutions see you through? Or will you take bold steps to try to fundamentally overhaul and improve your organization with an eye to achieving greater success? Celent, of course, recommends the latter.