There is no doubt that many financial institutions are under pressure. Difficult economic conditions, massive burdens from regulations, and the new competition of FinTechs and other new players, but also new technological trends such as blockchains demand rapid innovation. On the other hand, existing banking cores and insurance cores can’t be rapidly changed. They must continue to operate reliably. In this session, we look at how to balance these requirements, working at high speed in the consumer-facing applications, while enforcing reliability in the core. The session will look at how to do this in general, which role APIs play, how blockchains fit into the equation, how to enforce security across the stack, and how financial institutions can balance the various requirements well when opting for a modern, well thought-out approach on IT.