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(Image by AFP/Getty Images via @daylife) Constrained by 50-year-old systems and confronted with an imminent wave of untraditional competitors, Australia’s Commonwealth Bank has reached the halfway point in its sweeping $1.1-billion transformation aimed at enhancing customer experiences and creating more tech-driven products and services. Three and a half years ago, Commonwealth—which just reported record annual profits of $6.4 billion—selected SAP for Banking to replace the core banking....