Mobile Banking App Features: Must-Haves for Success

The Rise of Mobile Banking and Why Features Matter

Remember the days when a trip to the bank meant waiting in line just to check your balance or deposit a check? Those days are long gone. Today, mobile banking has transformed how we manage our money—putting an entire branch in our pocket. In fact, recent studies show over 75% of banking customers now prefer mobile apps over visiting physical branches. The convenience, speed, and 24/7 access have fueled explosive growth, with global mobile banking users projected to surpass 3.6 billion by 2024.

But it’s not just about going digital—it’s about meeting rising consumer expectations. Customers today want more than basic transactions. They expect personalized insights, instant notifications, seamless payments, and airtight security—all wrapped in an intuitive, delightful experience. Banks that fail to deliver risk losing ground to nimble fintechs and digital-first challengers who are raising the bar on what a banking app can do.

Why Features Are the Game Changer

Here’s the truth: a feature-rich app isn’t just a nice-to-have—it’s your secret weapon for growth. The right features can:

• Attract new users looking for convenience and innovation
• Boost engagement by making banking effortless and even enjoyable
• Build loyalty with personalized, value-added services
• Differentiate your brand in a crowded, competitive market

Take Chase, for example. Their app’s budgeting tools and real-time fraud alerts helped them increase mobile engagement by over 20% last year alone. Meanwhile, digital-only banks like Revolut and Chime are winning millions of users by offering instant account setup, fee-free transfers, and crypto integration—all from a sleek, user-friendly app.

Setting the Stage for Success

So, what separates a forgettable app from one that customers rave about? It comes down to smart feature choices and a relentless focus on user experience. In this article, we’ll break down the must-have features every successful mobile banking app needs—from rock-solid security to AI-powered insights—and share practical strategies to help your app stand out. Because in the fast-evolving world of digital banking, the right features don’t just keep you in the game—they help you win it.

Understanding User Needs: The Foundation of Successful Mobile Banking Apps

Imagine this: you open your banking app, and within seconds, you’ve checked your balance, paid a bill, and locked your lost debit card—all without a hitch. That’s the gold standard users expect today. But behind that seamless experience lies a deep understanding of what customers truly want—and what frustrates them. If you want your mobile banking app to succeed, you’ve got to start by walking a mile in your users’ shoes.

What Mobile Banking Users Really Want (and Hate)

Let’s be honest—people don’t download a banking app because it’s fun. They do it for convenience, speed, and control. Users crave an app that:

• Saves time: No more waiting in line or navigating clunky menus
• Feels secure: Banking is personal, so airtight security is non-negotiable
• Works fast: Nobody wants to stare at a loading spinner when paying rent
• Is intuitive: Even non-techies should feel comfortable in minutes
• Offers personalized insights: Think spending summaries or savings nudges tailored just for them

On the flip side, common pain points include confusing navigation, sluggish performance, login hassles, and—worst of all—security fears. A recent Deloitte study found that 42% of users abandon banking apps that feel insecure or overly complicated. So, if your app fumbles on these basics, it’s game over.

Listening Before Building: The Power of User Research

The smartest banks don’t just guess what users want—they ask. This is where user research, surveys, and analytics come into play. By running in-app surveys or usability tests, you can pinpoint where people struggle or drop off. For example, if analytics show a high abandonment rate during fund transfers, that’s a flashing red light to revisit that flow.

Beyond quantitative data, qualitative interviews reveal emotional drivers—like the anxiety some users feel about mobile security, or the frustration of not finding customer support quickly. Combining these insights helps you design features that solve real problems, not just tick boxes.

Pro tip: Don’t just collect data—act on it. Set up regular “voice of the customer” reviews to keep user needs front and center as your app evolves.

Personalization and Accessibility: Serving Every Customer

Today’s banking audience is wildly diverse—college students, busy parents, retirees, small business owners. A one-size-fits-all app simply won’t cut it. Personalization is key. That means showing relevant offers, sending smart spending alerts, or even customizing dashboards based on user behavior.

Accessibility is equally critical. Your app needs to work just as well for someone with low vision or limited dexterity. Features like voice commands, high-contrast themes, and screen reader compatibility aren’t just nice-to-haves—they’re essential to serving all customers and meeting legal standards like ADA compliance.

When you blend personalization with accessibility, you’re not only widening your reach but also deepening engagement. After all, who wouldn’t stick with a bank that feels like it’s designed just for them?

Turning Insights into Winning Features

Understanding user needs isn’t just about empathy—it’s about making smart, strategic decisions. When you know what frustrates or delights your users, you can prioritize features that truly matter. Maybe that means building biometric login before adding crypto wallets, or simplifying bill pay before rolling out AI chatbots.

A good rule of thumb? Focus on solving the “jobs to be done”—the core tasks users hire your app to perform. Nail those first, then layer on extras that surprise and delight. This user-centric approach doesn’t just boost satisfaction; it drives adoption, loyalty, and positive word of mouth.

In short, building a successful mobile banking app starts with one simple question: what do your users really need? Listen carefully, design thoughtfully, and you’ll create an app that earns trust—and keeps customers coming back.

Core Features Every Mobile Banking App Must Have

When it comes to mobile banking, customers expect more than just a digital replica of their branch—they want a financial hub that’s fast, secure, and genuinely useful. So, what separates a mediocre banking app from one that people can’t live without? It all boils down to a handful of core features that make everyday money management effortless. Nail these, and you’re well on your way to building an app users trust—and actually enjoy using.

Account Management: The Foundation of Every Banking App

At its core, a banking app is a window into your financial life. Users want instant access to their account balances, recent transactions, and downloadable statements—all without jumping through hoops. The gold standard? Real-time balance updates that reflect every swipe and deposit within seconds. For example, Monzo and Revolut have built their reputations on lightning-fast transaction updates, which dramatically reduce customer anxiety over spending and overdrafts. Make sure your app offers:

• Instant balance checks on all linked accounts
• Detailed transaction history with filters for date, amount, or merchant
• Easy access to e-statements for tax prep or loan applications
• Export options so users can download data in PDF or CSV formats

If users can’t quickly see where their money’s going, they’ll abandon your app faster than you can say “insufficient funds.”

Effortless Transfers and Payments

Moving money should be as easy as sending a text. Whether it’s transferring funds between accounts, paying a friend back for dinner, or scheduling next month’s rent, seamless transfers are non-negotiable. The best apps support:

1. Internal transfers (savings to checking, or vice versa)
2. External bank transfers to linked accounts at other institutions
3. Peer-to-peer (P2P) payments via phone number, email, or QR code—think Zelle or Venmo integration
4. Scheduled or recurring payments so bills and savings goals stay on track automatically

Take Chase, for example—they allow customers to set up future-dated transfers and recurring payments in just a few taps, minimizing late fees and forgotten bills. The easier you make it to move money, the more likely users will stick around.

Bill Payments and Mobile Top-Ups: One-Stop Convenience

Nobody likes juggling multiple apps just to pay utilities or top up mobile data. Integrate popular billers—from electric companies to Netflix—and let users pay directly within your app. Even better, enable mobile recharge and data top-ups, especially if you’re targeting emerging markets where prepaid plans are common. This kind of integration turns your app into a true financial control center, saving users valuable time. Some banks report that digital bill pay reduces branch visits by up to 30%, freeing up staff for more complex services.

Security Essentials: Protecting Users (and Your Reputation)

Trust is everything in banking. If users don’t feel safe, they won’t use your app—period. That’s why robust security features aren’t optional; they’re mission critical. At a minimum, your app should include:

• Multi-factor authentication (MFA): Text codes, authenticator apps, or hardware tokens
• Biometric login: Face ID, fingerprint, or voice recognition for quick yet secure access
• Real-time fraud alerts: Instant notifications for suspicious activity
• Session timeouts and device management: Let users see and manage where their account is logged in

Banks like Capital One have embraced biometric logins combined with AI-powered fraud detection, cutting fraud losses significantly while boosting user confidence. Remember, good security should be nearly invisible—powerful behind the scenes but frictionless for the user.

Smart Notifications and Real-Time Alerts

Last but not least, communication is key. Users want to know the moment their paycheck hits, when a bill is due, or if there’s unusual activity. Real-time push notifications keep them engaged—and safe. But don’t stop there: allow customization so users can choose what they’re alerted about, whether it’s low balances, large withdrawals, or upcoming payments. A well-designed alert system not only reduces fraud risk but also boosts app engagement by up to 30%, according to industry studies.

Pro tip: The best banking apps turn alerts into actionable moments—like offering a quick top-up when a balance is low, or suggesting a savings transfer after a paycheck deposit.

In the end, building a successful mobile banking app means obsessing over these core features. Prioritize speed, simplicity, and security, and you’ll create an app that earns trust—and keeps customers coming back, day after day. Because when managing money feels effortless, loyalty follows.

Advanced Features That Enhance User Experience and Engagement

When it comes to mobile banking, the basics just won’t cut it anymore. Today’s users expect more than checking balances and transferring money—they want a smart, intuitive financial companion right in their pocket. The secret sauce? Advanced features that simplify money management, boost security, and make banking feel effortless. Let’s dig into the must-have innovations that separate so-so apps from the ones people can’t stop raving about.

Personal Finance Tools: Your User’s Pocket CFO

Imagine opening your banking app and instantly seeing where your money went last month, how close you are to that Bali vacation fund, or getting a nudge when you overspend on takeout. Personal financial management (PFM) tools turn passive banking into an active, empowering experience. The best apps now offer:

• Smart budgeting: Set monthly limits by category, track spending habits, and get alerts before you blow your budget.
• Expense categorization: Automatically sort transactions into groceries, dining, bills, and more—no manual tagging required.
• Savings goals: Create multiple goals (emergency fund, new laptop, dream trip) and watch progress in real time, with optional round-up features to save spare change effortlessly.

Take Monzo, for example. Their “Pots” feature lets users divvy up funds visually, making saving feel tangible—and fun. The result? Higher engagement, stickier users, and a reputation for being more than just a bank.

Card Management: Control at Your Fingertips

Lost your card at brunch? No sweat. Instant card lock/unlock features give users peace of mind without the hassle of calling customer service. But that’s just the start. Leading apps now empower customers with:

• Virtual cards for safe online shopping—generate a new card number in seconds, reducing fraud risk.
• Customizable controls: Turn off international transactions, set spending limits, or block gambling purchases—all with a tap.
• Real-time notifications: Know immediately when your card is used, helping catch suspicious activity early.

Chime nails this with instant alerts and easy-to-use controls, helping users feel safer—and more in command—than ever before.

Seamless Onboarding and Mobile Check Deposit

No one likes paperwork or waiting in line. Digital onboarding lets new customers open accounts in minutes, often just by snapping a selfie and uploading an ID. Banks like Revolut and N26 have slashed onboarding times to under 10 minutes, turning a tedious chore into a frictionless, even delightful, experience.

And for existing customers, mobile check deposit is a game-changer. Snap a photo of your check, confirm the amount, and boom—funds on the way. It’s not just convenient; it keeps users engaged within your app, rather than trekking to a branch or ATM.

Contactless Payments and Wallet Integrations

Cash is quickly becoming a relic. To stay relevant, your app should play nicely with Apple Pay, Google Pay, Samsung Pay, and other digital wallets. Add QR code payments and NFC tap-to-pay support, and suddenly your app becomes the hub for all things money.

Why does this matter? Because users crave speed and simplicity. Whether splitting dinner with friends via QR code or tapping their phone at checkout, these features make transactions quick and almost magical. And the more often they use your app, the deeper the loyalty.

AI Chatbots and Virtual Assistants: Banking’s 24/7 Concierge

Nobody wants to wait on hold for help. AI-powered chatbots and virtual assistants offer instant, around-the-clock support—answering questions, flagging suspicious activity, or even helping users set budgets. The key is making these bots smart enough to handle 80% of queries, while seamlessly handing off to humans for complex issues.

Bank of America’s Erica is a great example. Since launch, it’s handled over 1 billion interactions, helping users check FICO scores, track spending, and get personalized insights—all without human intervention. That’s a win-win: faster service for customers, lower costs for banks.

Pro tip: Don’t treat chatbots as a cost-cutting measure alone. Use them to proactively engage users—with spending tips, fraud alerts, or personalized offers—to deepen relationships and boost satisfaction.

The Bottom Line: Delight or Be Left Behind

Advanced features aren’t just bells and whistles—they’re what today’s users expect. Personal finance tools, smart card controls, seamless onboarding, contactless payments, and AI-driven support transform your app from a digital ledger into a financial sidekick. In a crowded market, these innovations can be the difference between an app users tolerate—and one they truly love. So, if you want to build lasting loyalty and stand out, it’s time to double down on features that put users firmly in the driver’s seat.

Security and Compliance: Building Trust in Mobile Banking

When it comes to mobile banking, trust is everything. No matter how sleek your app looks or how many features you pack in, if users don’t feel their money and data are safe, they won’t stick around. And with cyber threats evolving faster than ever, banks face a constant battle to stay one step ahead. From phishing scams tricking users into handing over credentials, to malware lurking on devices, to high-profile data breaches exposing millions of records — the stakes couldn’t be higher. In fact, according to Verizon’s 2023 Data Breach Investigations Report, financial services remain one of the top targets, accounting for nearly 20% of all breaches. So, how do you build an app that customers can truly trust?

Navigating the Regulatory Maze

Security isn’t just about fending off hackers — it’s also about meeting tough compliance standards that safeguard user data and financial integrity. Regulations like GDPR in Europe demand strict data privacy controls, giving users the right to access, correct, or delete their data. Then there’s PSD2, which pushes for strong customer authentication (SCA) and secure open banking APIs, fundamentally reshaping how banks handle access and payments. Don’t forget KYC (Know Your Customer) and AML (Anti-Money Laundering) rules, which require robust identity verification and transaction monitoring to prevent fraud and financial crime. These mandates aren’t just legal checkboxes — they directly influence your app’s architecture, onboarding flow, and data handling policies. Ignoring them? That’s a fast track to hefty fines and a shattered reputation.

Building a Fortress: Best Practices That Matter

So, what separates a secure mobile banking app from a vulnerable one? It boils down to a few critical best practices that should be baked into your development process from day one:

• End-to-end encryption: Encrypt sensitive data both at rest and in transit using strong protocols like AES-256 and TLS 1.3. This keeps prying eyes out, even if data packets are intercepted.
• Secure APIs: APIs are the backbone of modern banking apps, but poorly secured endpoints are hacker goldmines. Use OAuth 2.0, enforce strict access controls, and validate all inputs to prevent injection attacks.
• Session management: Implement short session timeouts, automatic logouts, and re-authentication for sensitive actions to reduce the window of opportunity for attackers.
• Device binding: Tie accounts to trusted devices using techniques like cryptographic device fingerprinting or certificates, so even if credentials are stolen, fraudsters can’t easily access accounts from unauthorized devices.

A good example? Revolut combines biometric authentication, device binding, and real-time transaction monitoring to catch anomalies fast. Their layered approach has helped them scale rapidly without major security incidents — proof that smart security pays off.

Empowering Users: The Human Firewall

Even the best technology can be undone by a careless click. That’s why educating users is just as vital as technical safeguards. Make security hygiene part of your app experience: prompt users to set strong passwords or biometrics, warn them about common scams, and offer tips on keeping their devices secure. Transparent communication builds trust, too. If there’s a breach or suspicious activity, notify users immediately with clear instructions on what to do next. Don’t sugarcoat — honesty beats spin every time.

Remember: Your users are your first line of defense. Empower them, and you multiply your security efforts tenfold.

Building Trust, One Feature at a Time

At the end of the day, bulletproof security and airtight compliance aren’t just regulatory necessities — they’re competitive advantages. When users feel safe, they engage more deeply and stick around longer. So, invest early in robust encryption, smart API design, and proactive compliance. Bake user education into your app, not as an afterthought but as a core feature. Because in the trust game, there are no shortcuts. Get it right, and your app becomes more than just a digital wallet — it becomes a trusted partner in your customers’ financial lives.

Case Studies: Successful Mobile Banking Apps and Their Winning Features

What separates a good mobile banking app from a truly game-changing one? Sometimes, it’s a single killer feature. Other times, it’s a relentless focus on user pain points. To see what success looks like in the wild, let’s unpack how a leading neobank rewrote the rules—and how a traditional bank reinvented itself for the digital age. Their journeys reveal smart moves, common missteps, and lessons you can steal for your own roadmap.

How a Neobank Disrupted the Market with Innovation

Take Revolut, the London-based neobank that exploded onto the scene by zeroing in on what traditional banks overlooked. Instead of just digitizing old processes, they asked: what frustrates users most? The answer: hidden fees, clunky interfaces, and slow onboarding. So, Revolut built instant account opening with selfie verification, real-time spending notifications, and interbank FX rates with zero markup—features that felt revolutionary at launch. They layered in budgeting tools, crypto trading, and disposable virtual cards for safer online shopping. The result? Over 35 million users worldwide and a cult-like following among digital natives.

Their secret sauce wasn’t just feature overload. It was laser-focused user-centric design. Every feature solved a real pain point or unlocked new value. For example, the ability to freeze and unfreeze your card instantly from the app gave users peace of mind without a support call. Or splitting bills in-app—no more awkward math at dinner. Revolut’s playbook shows that if you want to disrupt, you need to obsess over friction points and turn them into delightful moments.

Traditional Bank’s Digital Transformation: Evolving with User Demands

On the flip side, look at JPMorgan Chase—America’s biggest bank by assets. Unlike neobanks, they had legacy systems, strict regulations, and millions of existing customers to consider. Their journey wasn’t about starting fresh but transforming carefully. They began by digitizing core services: mobile check deposit, bill pay, and secure messaging. But they didn’t stop there.

Over time, Chase layered on features inspired by fintech disruptors: personalized insights that nudge users to save, credit score monitoring, and card controls like instant lock/unlock. They even integrated third-party apps via APIs to offer investment tools without users leaving the Chase ecosystem. The key was gradual evolution—prioritizing features that added genuine value while maintaining rock-solid security. Today, their app consistently ranks among the top-rated banking apps in the U.S., proving that even giants can innovate when they put users first.

Key Takeaways: Prioritize What Matters Most

So, what can we learn from these two very different success stories? Here’s a quick cheat sheet:

• Solve real problems first: Whether it’s instant onboarding or transparent fees, features should remove friction, not just add bells and whistles.
• Layer features strategically: Don’t try to do everything at once. Start with core needs, then build advanced capabilities based on user feedback.
• Design around moments of need: Features like bill splitting or card freezing shine because they help users exactly when they need it.
• Balance innovation with trust: Especially for traditional banks, new features must never compromise security or reliability.
• Keep evolving: Both disruptors and incumbents succeed by continuously iterating—not treating launch as the finish line.

Pro tip: The best apps don’t just digitize banking—they reimagine it around user lives.

Lessons Learned and Pitfalls to Avoid

Of course, even the winners have scars. Neobanks sometimes overextend, adding flashy features that confuse users or strain resources. Traditional banks can get bogged down by bureaucracy, leading to half-baked rollouts or clunky UX. The biggest pitfall? Building features in a vacuum, without real user input.

Instead, prioritize feedback loops. Test early and often. And remember: sometimes less is more. A clean, intuitive app with a few killer features beats a bloated one every time. Because at the end of the day, success isn’t about how many features you cram in—it’s about how well those features solve problems, build trust, and fit seamlessly into people’s financial lives. Nail that, and you won’t just build an app—you’ll build a loyal community.

Future Trends in Mobile Banking App Features

The future of mobile banking is being rewritten right before our eyes. What used to be a simple digital ledger has evolved into a powerful financial command center—and it’s only getting smarter, more connected, and more personal. So, what’s on the horizon? Think open ecosystems, hyper-personalized experiences, seamless integrations with your everyday life, and interfaces so intuitive they almost read your mind. If you want your banking app to stand out tomorrow, these are the trends you can’t afford to ignore.

Open Banking & API-Driven Ecosystems: Breaking Down the Walls

Gone are the days when banks kept everything locked inside their own vaults. Open banking, fueled by secure APIs, flips that script by letting customers connect their accounts with a whole universe of third-party apps and services. This isn’t just about convenience—it’s about creating a richer, more tailored financial experience.

Imagine your app seamlessly pulling in data from investment platforms, budgeting tools, or even your favorite e-commerce sites. That’s what open banking unlocks. UK challenger banks like Monzo and Starling have set the pace here, offering API-driven marketplaces that let users plug in everything from mortgage brokers to savings bots, all inside one app. For developers, the takeaway is clear: build your app with flexible, secure APIs that invite collaboration, not isolation. Because the future belongs to platforms that play well with others.

Embedded Finance: Banking Where Customers Already Are

Here’s a question: why make users come to your banking app when you can bring banking to them? That’s the promise of embedded finance—integrating financial services directly into non-banking apps and everyday experiences. Think ride-hailing apps offering instant loans, e-commerce platforms with built-in “buy now, pay later,” or social media wallets enabling instant peer-to-peer payments.

Forward-thinking banks are already partnering with lifestyle platforms to embed micro-loans, insurance, or savings tools right where users spend their time. For example, Grab in Southeast Asia has woven banking services into its ride and delivery ecosystem, turning millions of app users into banking customers almost overnight. If you want your app to stay relevant, look for ways to integrate with the lifestyle services your users love—because banking shouldn’t be a destination, but a seamless part of daily life.

AI & Machine Learning: From Reactive to Proactive

Artificial intelligence isn’t just a buzzword anymore—it’s the engine powering the next wave of mobile banking innovation. Banks are using AI and machine learning to deliver hyper-personalized insights, smarter customer support, and ironclad security.

Here’s how top apps are leveraging AI:

• Personalized financial coaching: Nudging users to save more, avoid fees, or optimize spending based on real-time data—think Cleo or Digit.
• Fraud detection: Spotting suspicious activity in milliseconds by analyzing patterns across millions of transactions.
• Conversational banking: AI-powered chatbots that resolve queries instantly, freeing up human agents for complex issues.

If you want your app to feel like a savvy financial sidekick, double down on AI. Start small with personalized notifications, then scale up to predictive analytics and proactive fraud alerts. The goal? An app that knows what users need before they do.

Voice, Wearables & Emerging Interfaces: Banking at Your Fingertips—Or Your Wrist

The next frontier? Making banking effortless through new, intuitive interfaces. Voice banking, for instance, is gaining serious traction. Imagine transferring money or checking your balance just by asking Alexa or Google Assistant—no typing required. Spanish bank BBVA and U.S. Bank have already rolled out robust voice-enabled features, proving that hands-free banking is more than just a gimmick.

Wearables are also stepping into the spotlight. Whether it’s approving transactions on your smartwatch or getting instant spending alerts with a quick glance, these bite-sized interactions make managing money frictionless. And with biometric authentication—think facial recognition or fingerprint scans—security gets a boost without sacrificing convenience.

Pro tip: Don’t treat these new interfaces as afterthoughts. Design your app experience to be truly multi-modal, so users can switch seamlessly between touch, voice, and wearables based on what’s easiest in the moment.

The Bottom Line: Build for a Connected, Intelligent Future

The future of mobile banking isn’t about cramming in more features—it’s about creating a smarter, more connected ecosystem that fits effortlessly into your users’ lives. Prioritize open APIs to foster collaboration, embed financial tools where your customers already hang out, harness AI for proactive personalization and security, and embrace emerging interfaces to make banking as natural as chatting with a friend. Nail these trends, and you won’t just keep up—you’ll lead the pack, turning your app from a simple tool into an indispensable financial companion.

Conclusion: Building a Feature-Rich Mobile Banking App for Success

Creating a standout mobile banking app isn’t just about ticking off a list of features — it’s about weaving together the essentials with smart innovations that genuinely improve your users’ financial lives. From seamless bill payments and instant transfers to advanced perks like AI-driven insights, biometric security, and frictionless onboarding, the winning formula blends convenience, trust, and delight. The best apps, like Chase or Revolut, didn’t get there overnight; they layered on features thoughtfully, always with an eye on what truly matters to their customers.

Innovate Relentlessly, Listen Constantly

But here’s the catch: what delights users today might bore them tomorrow. That’s why continuous innovation — fueled by real user feedback and sharp awareness of market trends — is non-negotiable. Set up regular feedback loops, analyze usage data, and don’t be afraid to pivot or experiment. Remember, a feature-rich app that nobody uses isn’t a success story — it’s a missed opportunity.

Balance Is Everything

Building a future-proof banking app means striking the right balance:

• Security: Rock-solid encryption, fraud prevention, and compliance
• Usability: Clean design, intuitive flows, and fast performance
• Innovation: Personal finance tools, open APIs, AI-powered support

Lean too far in one direction, and you risk alienating users or opening security holes. Nail all three, and you’ll build trust — and loyalty.

Bottom line: In the digital banking race, standing still is falling behind.

So, don’t just maintain — invest aggressively in feature development. Prioritize what solves real problems, double down on emerging tech, and never stop refining the user experience. Do that, and your app won’t just keep pace — it’ll lead the charge into the next era of digital banking.