The global banking and payments system as we know it was established during WW2 and has lasted for 80 years helped in large part by the stability of the US Dollar.  That system is reaching the end of its useful life as both changing economic conditions and new technology act as a catalyst for its inevitable demise. These new technologies are changing the way services are delivered and creating new financial products.  This session will provide examples of how these products or technologies are currently being implemented at financial institutions and explore how community banks are working through partnerships to provide these products and services going forward. To paraphrase Charles Darwin –  “It’s not the strongest or smartest of the species that survives, It’s the one most adaptive to change.”