Banks need a wealth of customer data to leverage AI technologies. Open banking rails could help to fill in the gaps.

Banks can quickly improve the customer journey by removing friction and creating consistency across service channels.

Banks can better compete for commercial clients by tailoring products to the industries they serve.

To attract and keep small business clients, banks should put digital payments front and center.

Community banks, working with their core providers, can take advantage of application programming interfaces to launch new digital offerings that help retain deposits.