Suggest a technology can provide a competitive edge of the online banking system?


Banking
can anyone give me some technology that can provide a competitive edge for the online banking system?
I need three…please
especially I am doing CITI bank case
anyone can suggest the system that can improve their service
I am thinking about smart card…..not sure if it is a good idea

How can one know that a new core banking system is stable or ready for production or ready for go live?

Banking
I’m asking how can one know that a new core banking system is stable or ready for production or ready for go live?