Numerous financial technology companies are developing new strategies, practices and products that will dramatically influence the future of banking. Partnerships between a bank and a technology company can take on many forms — largely based on an institution’s available capital, risk appetite and strategic goals. Today, community banks have room to improve efficiencies, take out back office costs and offer superior customer service with increasingly available and affordable software. To wrap up this year’s program, we look at some of the tools and strategies that you’ll want to know about before they become mainstream.