Banking is at an inflection point. Together with the obvious pressures from epidemic generated economic challenges, regulations and low interest rates, non-bank financial competitors such as Amazon and Rocket Mortgage are changing customer engagement expectations and threatening your bottom line. Consumers and small businesses want real time, ‘Amazon like’ experiences across every customer-facing touchpoint, including branches, on-line and mobile. They want to know that your institution is primarily interested in their financial well being and you engage with them in a manner that reflects that concern. Bottom line: they want a consistently rewarding and engaging experience with your institution.