An increasing number of banks are working on their long-term business and IT visions of the future, continually realigning their IT strategies. To help enterprise architects better understand the business and IT environment of the future, Forrester surveyed key vendors in the banking space and interviewed banking executives on five continents to get their take on banking's — and banking IT's — future. How will intelligent devices change the industry? New channels and devices will shape the new face of "ebanking": Convenient mobile banking from anywhere at any time will be the norm, and virtual branches will be the rule.