As customers expect banks and financial institutions to conduct business on their behalf in real time, the world of digital finance is rapidly evolving to anticipate and satisfy the needs of retail and commercial customers that are increasingly demanding products and app services—from instant payments to trading settlement and beyond—that are faster, better and cheaper. Panelists discuss the process for developing a roadmap for the successful implementation and adoption of Innovative products and services in various business lines that will appeal to customers who want an instant-everything experience and results.