Banking applications represent both the banking business itself and the primary touchpoints for customers. Banking technology teams need to be aware of five key trends for 2020 and beyond that will change how banks do business and improve the security, flexibility, efficiency, and experience digital that banking applications deliver. Banks that miss these opportunities will find it hard to continue accelerating enough to remain competitive. This document provides an overview of the trends and how application development and delivery (AD&D) pros should act on them.