ME Bank says it expects to complete its three-year technology overhaul on time by the second half of next year.The bank has a A$60 million budget for the project, which Kathryn Hawkins, its chief information officer, believes "will make it one of the most technologically advanced banks in Australia."The bank plans to implement the Temenos T24 core banking platform early next year, replacing the NTBS and Ultracs systems.One milestone publicised this week is the implementation of Pegasystems' business process management solution, a step that will allow the bank to automate many manual processes.One product set that is now live on the new platform is the transaction account set. The bank says customers can now apply for and activate an account in minutes. Previously, the account opening process would typically take three to five days, and could take as long as two weeks, when identification requirement processes are taken into account.  The new process takes about five minutes on average, and up to two hours when an intervention is required.Hawkins said the bank was "leap-frogging from a manual state to an automatic state."She said the bank planned to drop in the Temenos core banking system early next year, and this will cater to all deposit products.Loans and assets will migrate later next year.An overhaul of the customer relationship management system will follow, although Pegasystems already allows a single view of the customer for staff in the bank's contact centre.Other priorities include updates to digital media, and applications for smartphones and tablets for most products."We've got these ambitious growth plans," Hawkins said. "[We see] a massive uplift in the customer experience, through simple and efficient processes. We want to get as much out of the back end as we can. It [presently] means the customer has to do a lot of work."An over-riding strategic goal for ME Bank, outlined in its 2012 review, is to make the bank the primary one for members of its aligned industry superannuation funds, 32 of which own the bank.The bank is making some progress on this not inconsiderable goal. Its market share of household deposits is now 0.51 per cent, twice its market share three years ago.ME Bank increased its holdings of household deposits by 70 per cent in the year to July, an unusual rate of growth for any bank.On the other hand, its market share is three times as large in home loans, illustrating the difficulty of winning more of its customers' business.However, the wooden processes of the past do not appear to have upset many of the bank's customers. Roy Morgan Research's data on customer satisfaction shows 91.9 per cent of ME Bank's customers saying they are "satisfied", compared with an all-banks average of 81 per cent.