Banks will scale services with machine interfaces that have the intelligence of humans but don’t fake an intimate experience. Emerging technology will democratize access to the concierge services that are reserved for the most affluent consumers today. Banks will initially translate vast amounts of data into curated information and services for customers and serve them up just in time to help them make smart decisions about saving or borrowing money. Ultimately, consumers will feel as if they have personal digital banking assistants who act on their behalf, transferring funds, paying bills, or making other transactions to improve customer outcomes.