As banks chart their course through the imperative of digital transformation, one increasingly common approach is to launch a digital bank on a modern technology stack as a low-risk laboratory to prove and operationalize a next-generation technology architecture prior to an enterprisewide conversion. First Horizon Bank (First Horizon) inherited a digital brand, VirtualBank, as part of its acquisition of IberiaBank in 2018. The bank brilliantly leveraged those assets to create a learning laboratory to inform its own digital transformation.

Here's what the VirtualBank Team built and how they built it.