The document discusses UX design for omnichannel customer service in banks. It notes that banks are thinking about removing friction and creating knowledge for customers across channels. Addressing the omnichannel challenge, UX designers look to understand customers, make improvements, and teach others. The document outlines different competencies including CX, UX, UI, and CJ. It advocates that UX can help banks bridge gaps in omnichannel without drastic changes, and that good UX is now expected of all companies.