Financial institutions have access to more technology than ever, but the ability to absorb change has not kept pace. Competing priorities, legacy processes, governance bottlenecks and organisational fatigue can limit even well-funded transformation programmes. This panel asks whether the real constraint is no longer technology itself, but the institution's capacity to change. Identifying what your 'capacity' for change is. Utilising trust to implement technology. Compounding wins and fostering a culture of change for future projects.