The document discusses the evolution of digital banking driven by the Internet of Everything (IoE). It outlines the progression from early dial-up e-banking experiences and multichannel integration to modern digital banks that leverage full-function smartphone apps, big data analytics, 360-degree customer views, and omnichannel experiences personalized for individual customers through intercloud technologies and both structured and unstructured data.

1. The Internet of Everything (IoE) Is Driving the Next Big
Evolution in Banking
Customer-DrivenInnovation
• Dial-Up Experience
• Email Contact Center
• Online Brochureware
• Databases
• CRM
• Web-Based Account
Origination
• Online Calculators
and Bill Pay
• Click-to-Chat & Call
• Data Warehouses
• KYC
• Seamless Experience
• Full-Function
Smartphone Apps
• Internal & Hybrid
Cloud
• Click-to-Video
• Big Data & Analytics
• 360° Customer View
• Digital Bank, Digital
Branches
• Rich Cross-Channel
Collaboration &
Advice
• Omnichannel
Analytics (Structured
& Unstructured Data)
• “Market of One”
Customer-Centricity
• InterCloud
E-Banking
Multichannel
Integration
Omnichannel
Internet of
Everything
Digital Bank I.0
Digital Bank 2.0
Digital Bank 3.0
Digital Bank 4.0
1998-2002 2003-2008 2009-2014 2015-