This document discusses the disruption in banking due to changing customer behavior and the rise of digital banking. It notes that customers are increasingly shifting to digital banking for convenience. Small fintech startups are also gaining prominence by disrupting traditional lending and wealth management. The document outlines two key focus points for digital transformation in 2015 - pursuing an omni-channel delivery model to provide a seamless customer experience across channels, and controlling an organization's digital strategy through a customer-centric platform that empowers customers, business units and IT.