As digital engagement increases among financial services customers, eBusiness and channel strategy professionals at banks, wealth managers, insurers, and card issuers are pushing toward true digital business transformation. They're shifting their attention from merely what they need to offer customers to how to deliver more value to customers more quickly. This brief highlights the eight most significant changes coming to retail financial services in 2016 that digital teams at financial providers must understand to effectively win, serve, and retain those customers.