Legacy modernisation is no longer just an internal technology challenge. As financial institutions rely on more vendors, platforms and third-party providers, transformation now carries new layers of operational, regulatory and resilience risk. This panel examines how leaders can modernise infrastructure while managing the dependencies that come with it. What legacy paralysis looks like up close: Understanding the dangers of Tech Burden. Balancing modernisation with the drawbacks of greater 'tech debt'. Evolving the playbook rules for a new technology landscape: How AI agents, Blockchain, Open Banking and Data Sharing are all disrupting transformation frameworks.