Integrated, multichannel banking is a customer's dream-and a bank's nightmare. Legacy IT systems, including aging core banking platforms, make it tricky and costly to turn this vision into a reality. In an ideal world, banking would be a rich and interactive experience, available 24/7 and delivered seamlessly across channels. Customers would have convenient access to personalized products and services, on any device, from anywhere and at anytime. Banks would have a single, complete view of customers and their preferences.