These everyday scenes are the real face of the digital banking evolution in America, a shift that has turned the phone into the primary branch for most households and many businesses. In the Chase Digital Banking Attitudes Study, 67 percent of consumers said they have used person-to-person payments, up from 40 percent in 2020, according to Chase. What used to be a separate brokerage relationship is now a tab inside a banking app. The risks in digital banking evolution in AmericaEvery benefit carries a matching risk. How those rules land will decide whether the next wave of digital banking is sturdier than the last.