Banks in the mid-sized category can leverage their unique strengths, such as deep client relationships and personalized service to differentiate themselves in a crowded, competitive landscape. 1) One major opportunity for mid-sized banks is the small and mid-sized business client segments. To capture this market, banks need to understand the needs of these clients and tailor their plans accordingly. Offering integrated solutions that address primary hurdles like integration complexity, the need for automation and technology costs can also help mid-sized banks position themselves to deliver value to their customers. These banks should create an integrated financial services ecosystem through payment hub solutions that offer pre-integrated value-added services such as sanctions screening, fraud detection, alternate cross-border payments and integration with ERP systems to drive faster speed to market and innovation. 2) Banks will also need to make a strategic choice of managing payments systems in-house vs. going with a SaaS solution that offers the best outcomes without complexity so that banks can focus on their core competency of delivering customer value. Mid-sized banks need flexibility, reliability, and a foundation to support rapid innovation and seamless scaling. Cloud technology delivers on these fronts.