Lots of changes have happened in banking.  Internet and mobile banking have redefined banking convenience. It is no longer a battle of who has the biggest head office and branch network. It is which bank is nimble and most innovative for effective customer convenience. What are your delivery channels – web, mobile (app and USSD), and integration to the payment ecosystem? If your customers cannot open an account online, check their balances, transfer money between bank and mobile, withdraw via agents or mobile money kiosks, and of course paying bills at any vendor. Modern banks have gone beyond a software…