“All of the major trends and predictions move traditional banking organizations towards the ultimate goal of digital transformation. The need to ‘become digital’ is not a matter of ‘if’, but ‘when’. The challenge is that, while the consumer expects the banking industry to follow the lead of technology and fintech leaders, most banking organizations fall far short of expectations.”

The author is an owner and publisher of the Digital Banking Report and the article is the overview of the December issue 2019 Retail Banking Trends and Predictions. Most definitely a recommended read.
The article: Major Storm Clouds On The Digital Banking Horizon
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