To see the future of banking, look no further than your local hardware store. What banks must do with data for investments in banking tech like cloud and AI to truly pay off, hardware stores are already doing with nuts and bolts. Consider the 3/8-inch bolt. A 3/8-in. nut will fit regardless of the bolt’s length or maker. You can mix and match the nuts and bolts to build whatever you like. That standardization increases reliability, flexibility, creativity, and, over time, maintainability.