The whitepaper “Enhancing the value of core banking transformations” by SunTec, talks about how core banking renewals continue to be an “Over my dead body” program for most CIOs with the risk of a failed project looming large – and how to be truly beneficial, transformation programs must go beyond being a mere renewal exercise. The business case for such a program can be strengthened if the renewal is converted to a true transformation program. This could then lead to both top line and bottom line outcomes that could make the undertaking of the transformation program worthwhile. This journey has to consider the delivery of a superior customer experience as its central objective, which would in turn become the true driver of success.