The exponential rate of change makes it difficult and impractical for banking organisations to build their own technology stacks and compete successfully. Leveraging and using existing technology platforms greatly reduces the time, cost, and risk associated with digital transformation. How does the bank of today become a customer-centric digital organisation and deliver on the experiential banking promise? Smart banks want to acquire and service digital age customers. To do this successfully, adopting an Experiential Banking Platform-as-a-Service to deliver, or enable, key transformative technologies is a key step.