Why great banking apps no longer win customersFor many years, digital banking was defined by one question: does your bank have an app? Delivering that experience depends less on the design of the mobile application and far more on the technology, data and operating model supporting it. Too often, valuable customer data remains fragmented across lending, payments, customer service and digital platforms. Customers increasingly expect banking services to connect with broader digital ecosystems, from payments and retail to rewards, insurance and investment services. The focus is now on how effectively investments in technology, data, people and partnerships come together to create experiences customers genuinely value.