Banks can no longer focus solely on near-term challenges. The economy, the political landscape, and even generative AI (genAI), the shiniest new object in business transformation, cannot divert attention away from the importance of trust and a focus on customer obsession. Leading banks are adjusting strategies, embracing innovation, rethinking business models, and deepening their understanding of their customers to chart their future paths. This report examines the future of banking from three perspectives: the consumer, the bank, and the collaborator. Each of these perspectives will play a crucial role in defining what banking will look like by 2030.