19 Advice from a Pathfinder The CIO of a digital financial services provider offers experience-based insights that are relevant to legacy financial institutions as they embark upon their digital transformation journey. Financial services companies today are shape-shifting into technology companies. Their success increasingly depends as much on enterprise software and mobile app development as on finance. But the monumental journey of this digital transformation typically begins with small steps, even for an online-only bank like ours, whose steps can be traced back to the financial crisis.