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Core treasury functionality is mature. Providers of treasury workstations are surviving, but innovation is occurring at the margins and in the delivery channel. ASP hosting never turned into the down-market sales bonanza some predicted. Consolidation among vendors continues. When demand for new functionality crops up, niche players often get there first. They could be eating the core systems providers’ lunches, except that the core providers are inviting niche players to lunch and forming the partnerships and interoperability arrangements that both need to increase sales. Banks are finding new roles, more often as conduits of technology than as inventors. 

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