Expect 2011 to be an exciting year in financial services, driven for the most part by the increasingly important role of eBusiness and channel strategy professionals. The rise of smartphones, the effects of government regulations, and a morphing branch are driving strategic initiatives and innovation in eBusiness as well as in other channels. At the end of 2011, we expect to look back at the year in financial services eBusiness and channel strategy and see a more differentiated mobile offering, more robust cross-selling efforts, and exciting new revenue streams for the industry.