The pandemic and the Ukraine crisis have unleashed an age of perpetual black swan effects, from supply chain disruptions to inflation. But the perpetual challenges demanding agility are not just about black swan events. The ongoing pace of change stemming from digital adoption in consumer services, e-commerce, and digital financial services is also requiring FIs to up their game in innovation. There are many moving parts here, but from a high level we can focus on the need to innovate in three macro-areas: models, data, and workflow/connectivity.