The management of IOU is currently handled through several proprietary legacy business processes. These processes are supported by either custom-developed or highly customized versions of commercial applications. As new business models emerge, the market demands new products, services, and redefined standards. Each change comes with implicit business and architectural assumptions. It is crucial to understand the critical role that business and IT integration and interoperability play in enabling the success of digital transformation. It is also important to conduct a cost-benefit analysis and risk mitigation to ensure that the transformation process is both financially viable and safe.