Almost two decades ago, I completed a project to develop and deploy a teller and sales application for a large U.S. bank. Enhanced business capabilities, technology upgrades in the branches, and a pending bank merger were the business drivers. Some months after the production roll-out, as the Chief Architect, I was invited to a meeting with the Vice Chairman of the Retail Banking who wanted to understand my perspective on how the bank should address challenges in meeting future demands that requ