International Banker Choose to Win: The Five Decisions That Make or Break Banking Modernization Choose to Win: The Five Decisions That Make or Break Banking Modernization Banking modernization involves more nuance than the binary-bet caricature of an existential “rip-and-replace” gamble versus a cosmetic refresh. By Vitor D'Agnoluzzo min read Article Choose to Win: The Five Decisions That Make or Break Banking Modernization Progress: en First published in septiembre 2025 Tags Banking Digital Digital Transformation Enterprise Technology Financial Services Technology Operating Model