Gartner Research

Hype Cycle for Digital Banking Transformation, 2019


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 embrace the opportunities to totally transform both their business ecosystems and the underlying business models.

Published: 01 August 2019

ID: G00369948

Analyst(s): Alistair Newton

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
  • The Priority Matrix
  • Off the Hype Cycle
  • On the Rise
    • Adaptable Relationship Open Banking
    • Value Optimization in Banking
    • Blockchain-Based ACH Payments
    • Things as Customers
    • Empathic Banking
    • Strategic Tokenization
    • IoT in Banking
  • At the Peak
    • Chatbots
    • Conversational User Interfaces
    • Cryptocurrency Hardware Wallets
    • Cryptocurrency Software Wallets
    • Digital Banking Transformation Platforms
    • NLP
  • Sliding Into the Trough
    • Bank Orchestration Platform Model
    • Bank Collaboration Platform Model
    • Hybrid Cloud
    • Public Cloud for Core Banking
    • Digital Personal Financial Advisor
    • Blockchain in Banking and Investment Services
    • Payment Data Monetization
    • Roboadvisor 2.0
    • Digital Banking Optimization Solutions
    • Public Cloud
    • Bank Creation Platform Model
    • Open Banking Strategy
    • Social Messaging Payment App Wallet
  • Climbing the Slope
    • Bank Matching Platform Model
    • Biometric Mobile Banking Authentication
    • Biometric Authentication Methods
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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