The document discusses new trends in banking from a consumer perspective, focusing on five key changes: 1) ATMs, 2) banking mobile applications, 3) multiple support services at bank branches, 4) digital transfers like NEFT and RTGS, and 5) UPI payments. These changes have made banking more convenient and accessible for consumers by allowing 24/7 access to services via technology and reducing the need to visit branches in person. Transactions are now faster, more secure, and can be done from anywhere via mobile devices and online banking platforms. Overall, these trends have merged technology and banking to simplify banking for consumers and change how they interact with and view financial institutions.