The vast majority of banks are now working on some form of incremental digital banking initiatives. However, digital banking is more than a great set of channel solutions: To deliver full digital banking — and thus an end-to-end, real-time customer experience — application development and delivery (AD&D) teams need to embrace customer-facing processes. This brief provides an overview of the top five differentiators for banking platforms. These differentiators will help AD&D professionals to more rapidly design shortlists and their banks to win, serve, and retain customers.