Being big and own decades of expertise is not enough nowadays. Facing the paradox of modernizing legacy systems while keep maintaining them as well as planning and executing new structures, building the new required digital capabilities while staying ahead of the business, discovering the everyday new demands and the more demanding and sophisticated customer satisfaction while complying with regulations and trying to stay upfront the hard competition, are some of the current complex situations that traditional Banks has to face. Modernizing while making business grow and build the forces and alliances to compete with top tech brands who master the digital customer engagement is not an easy task. To keep up is a hard challenging exercise to do, in this ‘hostile scenario’, what are the recipes that banking leaders are applying to digitally enable a growth model while surfing the wave of new competition.