A trio of factors — mobile devices, regulations, and payments — have changed the retail banking landscape. These factors have driven retail banking firms to adjust business plans to explore new channels, uncover new sources of revenue, and understand potential threats. eBusiness and channel strategy professionals must understand not only these trends but also their impact on how they run and orchestrate channels. This report discusses current industry trends and specifically discusses the impact of those trends on eBusiness and channel strategy professionals, channel priorities, and 2012 growth opportunities.