As someone that works with financial institutions, good luck! the problem isn't technology, it's getting good technically qualified people to work for the small salaries that most banking institutions and their software vendors employ.
I worked for years getting things done in government bureaucracies and we have had a lot of success in approaching a bank and it's employees (almost all of whom are smart and well-meaning) as a puzzle to be solved rather than an enemy to be defeated.
I'm not particularly up with the banking industry here in Australia or abroad, but the only banks I've seen bothering to see IT here in Australia as an actual point of competition are SunCorp and BankWest. Naturally, they're smaller, so they need to find advantages outside of mere incumbency.