Modern customer identity [CIAM] solutions offer financial institutions [FI] significant opportunities for business growth, operational efficiency, improved consumer experiences, and robust risk management.  On the other hand, CIAM solutions are among the most difficult solutions to advance within the FI.  Datos Insights recently completed primary research with CIAM leaders at 64 North American FIs to understand top pain points, strongest business drivers, achieved business ROI, and most desired capabilities entering 2025 for CIAM solutions supporting Unified Digital Banking frameworks.  This session presents these research results and makes strategic recommendations for identity leaders and practitioners.