Small financial institutions typically struggle with their IT infrastructure. It does not do what they want it to do, but they cannot justify hiring more people to improve the situation. Although they could not survive without it, it is not their core area of expertise. The answer: outsource it.
I have been working with the executive team at a $150-million asset bank that has one computer that houses their host system and more than 20 servers running all of the ancillary service offerings. There are several strategic initiatives that are languishing because the small IT staff does nothing but keep the servers running. The staff is frustrated because they cannot do what needs to be done to implement such initiatives. They built their technology infrastructure over several years without any regard to the maintenance load that it entailed.