Ledgers are being transformed with the use of advanced technologies, such as the cloud and artificial intelligence.Blockchain has decentralized record keeping and improved automation in ledger-based activities, enabling new efficiencies in money movement.FinTechs are helping banks overcome the limitations of legacy systems by offering new payment rails and services.Outsourcing ledger functions allows FinTechs to avoid the challenges of tracking money mobility, ensuring real-time updates and reconciliation.