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. Vitor D'Agnoluzzo min read Article Choose to Win: The Five Decisions That Make or Break Banking Modernization Progress: en First published in сентябрь 2025 Tags Банки Информационные технологии Финансовые услуги Digital Digital Transformation Technology Operating Model