Within the past year, banking has undergone a sea change of technology-driven transformation pushed ahead by the coronavirus pandemic. Banks in different strategic phases are feeling the effects — especially in the areas of lending, digitization, and marketing technology (often called “martech”). The emergence of so many solutions built to address specific challenges, such as more effective targeting or enhanced customer onboarding tools, puts banks at risk of deploying new technology that solves problems that don’t exist — or, at least, aren’t at the top of the priority list. New technology c…