With limited resources and technical capacity, financial institutions are making critical choices between necessary upgrades to legacy systems and offering newer best-in-class solutions. Discerning areas of prioritization is further complicated by rising expectations among end users and a crowded marketplace of potential fintech partners and competitors. To maintain market competitiveness, are banks better off building products internally, or should they seek fintech vendor partnerships? Should banks consider a third possibility by using fintech marketplaces? Exploring the challenges and opportunities in each of these approaches, this session explores how fintechs are driving innovation and the strategies banks are deploying to navigate a complex fintech ecosystem while managing risk, compliance, and competing budget priorities.