Banking is migrating to digital channels, which raises the question of whats going to happen to

the personal relationship between banks and their customers. In an increasingly digitised world,
how do we keep the Personal in personal banking? At the heart of it all, banks need to think
experiences, not channels. They need to become fundamentally useful and relevant to customers
again, and bring everything together in a way that works for people.
Banking is, and has always been, a service, and speed and convenience are of the essence. To
customers its all banking, whether they are in branch, on the internet or on mobile whether
they need a loan, or to pay somebody, or to take out credit card.