While customer-facing applications are important in many industries, it's especially true for banks. Banks do not sell physical products — so business technology (BT) applications represent a critical part of what banks can offer their customers. Application development and delivery (AD&D) professionals within banking need to be aware of five trends that will shape their BT agenda and change the way they design, develop, select, and deliver banking applications in 2017. AD&D teams that fail to take heed of these trends will miss an opportunity to help their banks accelerate to top speed.