Gartner Research

Hype Cycle for Digital Banking Transformation, 2018

Published: 25 July 2018

ID: G00340389

Analyst(s): Alistair Newton


Globally, many banks are making progress toward becoming true digital businesses. However, too many will fail to deliver success, and bank CIOs and their contemporaries must fully engage with the opportunities to totally transform both their business ecosystems and the underlying business models.

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
  • The Priority Matrix
  • Off the Hype Cycle
  • On the Rise
    • Blockchain Wallet Platform
    • Digital Wallet Consumer Hub
    • IoT in Banking
    • Things as Customers
    • Strategic Tokenization
    • Digital Payment Advisor
    • Geolocation Products and Services
  • At the Peak
    • Public Cloud for Core Banking
    • RegTech
    • Conversational User Interfaces
    • Open Bank Systems
    • Cryptocurrency Hardware Wallets
    • Blockchain Reward Models
    • Cryptocurrency Software Wallets
    • Digital Banking Platforms
    • NLP
    • Payment Data Monetization
    • Blockchain
    • Hybrid Cloud
  • Sliding Into the Trough
    • Digital Personal Financial Advisor
    • Open Banking
    • Roboadvisor 2.0
    • Mobile Imaging for Bank Staff
    • Public Cloud
    • Digital Banking Multichannel Solutions
    • Social Messaging Payment App Wallet
    • In-Branch and ATM Video
    • Biometric Mobile Banking Authentication
    • BIAN Standards
  • Climbing the Slope
    • Instant Low-Value Payment Systems
    • Mobile Proximity Payment Systems
    • Wearable Banking Apps
    • Mobile-Originated P2P Payment Solutions (for Mature Payment Markets)
    • Biometric Authentication Methods
    • Mobile Imaging for Bank Customers
  • Entering the Plateau
    • Mobile Wireless Payment Systems (for Nonmature Payment Markets)
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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