The percentage of online banking users keeps growing. Although the amount of research in the digital banking industry has also increased, it’s almost impossible to give a definite answer to this question. Based on Deloitte's global online banking data, 73% of customers use online banking channels at least once a month and 59% use mobile banking apps equally as frequently. Given that the US banking industry’s total branch count declined by more than 1,500 over from March 2019 to February 2020, it’s clear that the future of digital banking is bright.