Following the release of the new Banking collateral, our Director of Business Consulting reflected on the development of siena in the context of the market defining events over the past 25 years or so. From the early days of the expansion of computing power through the electronification of trading and the dot com bubble to the Financial Crisis. David Woolcock reflects on how these momentous events have shaped our product development. At the end of the article is the challenge of what lies ahead in the next phase of continual enhancement and improvement of our flagship treasury solution.