CURRENCIES The Ledger Retail banking: recaps and predictions Financial and banking experts from around the globe weigh in. What do financial services influencers say are the top trends in 2019? 54% Big data, AI, advanced analytics and cognitive computing 50% Minimizing inconvenience for the 37% APIs and open banking 32% Improving multichannel delivery 27% Banking and fintech firm partnerships 4% (predicted) More experts say improving consumers' digital experience is a strategic priority this year 100 80 60 40 20 84% 72% 21% (actual) customer journey 0RUH ¿QDQFLDO LQVWLWXWLRQV increased their commitment to innovation in 2018 2018 2019 12 Q ICBA Independent Banker Q March 2019 Source: The Financial Brand's 2019 Retail Banking Trends and Predictions report