Banking transactions have doubled in the last 8 years and are increasingly taking place online and through mobile devices, with online and mobile transactions expected to grow 50 times and social media interactions with banks occurring weekly for 10% of customers. To remain competitive in this changing retail banking world, banks must collaborate across all divisions to deliver a seamless customer experience consistently across all channels like mobile, web and branches, while using customer insights to effectively cross-sell and upsell in a timely manner through agile processes.