Executives at financial services companies worldwide understand that digital transformation means business transformation. Most companies will spend 2018 working on new initiatives to better win, serve, and engage customers, as regulators continue to promote competition. But while 2018 will bring many digital upgrades, few financial services companies will do enough to truly differentiate their brands and remain relevant to customers. Many firms risk being left behind. This brief outlines Forrester's predictions for the financial services industry in 2018.