Gartner Research

Hype Cycle for Digital Banking Transformation, 2016

Published: 18 July 2016

ID: G00308974

Analyst(s): Alistair Newton


Bank CIOs and digital leaders must embrace the opportunities and threats presented by digital transformation, thinking strategically and acting tactically to ensure that they position their institutions to address their customers' changing needs.

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
  • The Priority Matrix
  • Off the Hype Cycle
  • On the Rise
    • Ricardian Contracts
    • Digital Wallet Consumer Hub
    • Smart Contracts
    • Digital Payment Advisor
    • Things as Customers
    • Geolocation Products and Services
    • Open Bank Systems
    • Public Cloud for Core Banking
    • Digital Personal Financial Advisor
    • Open Banking Strategy
  • At the Peak
    • Blockchain
    • Cryptocurrency Wallets
    • Mobile Imaging for Bank Staff
    • Hybrid Cloud
    • Open Banking
    • Wearable Banking Apps
  • Sliding Into the Trough
    • Open Unified Digital Banking Solutions
    • Public Cloud
    • Mobile Imaging for Bank Customers
    • Remote Commerce Emulation Payment Systems
    • Biometric Mobile Banking Authentication
    • Social Messaging App Wallet
    • In-Branch and ATM Video
    • Digital Wallets
    • BIAN Standards
    • Mobile-Originated Proximity Payment Systems
    • Near-Real-Time Low-Value Payment Systems
  • Climbing the Slope
    • Tablet Apps
    • Mobile-Originated P2P Payment Solutions (for Mature Payment Markets)
    • Biometric Authentication Methods
  • Entering the Plateau
    • Mobile Wireless Payment Systems (for Nonmature Payment Markets)
    • Fintech APIs
    • Smartphone Banking
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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