Truist is taking a new approach to integrating and upgrading digital technology since its formation from the merger of SunTrust and BB&T banks, such as building new channels for mobile and online banking. Truist is also embracing a "hybrid cloud" structure and created a data utility process that it calls a "digital straddle." "Ours is probably the first and largest merger in what I would call the digital era in banking, and that forced us to think about challenges like this," said Chief Information Officer Scott Case.