The holy grail is to always have perfectly uniform services...

The holy grail is to always have perfectly uniform services from anywhere to anywhere. Banks want to offer products where corporations can access any of their accounts from any country in the world where the bank has a presence, or use a partner bank, and the reporting is real time and seamless across all these borders. What banks are doing is building a veneer over this fragmentation. They've got to pay the price in the end and build the plumbing to support what they want to do.