US retail banking market is fast paced and highly competitive. Consumers are demanding a cutting-edge experience. ‘Good enough’ is not good enough. There are 173 million smartphone owners in the US. That’s 74% and growing. There are over 1,900 financial apps in the iTunes App Store… beginning with the letter A. That’s a 40% increase in one year alone. How can you truly differentiate your online and mobile banking to really stand out in this crowded market? This white paper explores five ways you can better engage with your customer—to create stickiness and engender loyalty.