It’s the obvious step for firms becoming more digital—to focus on improving the “hardware” with new technology and systems. But some experts say altering culture and shifting employee engagement (call it the “software” approach) will matter much more. In a new report, “DNB’s evolution to a tech company with a banking license,” Korn Ferry takes on the debate, breaking down five dimensions of digital sustainability, and how one nearly 200-year-old bank, Norway’s DNB, pivoted to become a leader in financial technology.

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