The strong focus on growing revenue, combined with digital disruption, tougher competition, a shake-up in payments, and increasing consumer expectations, means that digital banking teams in Australia and New Zealand will be expected to deliver a lot in 2015 and stretch their investment dollars further than ever. This report outlines each trend, what it means to digital banking teams in Australian and New Zealand, and how eBusiness executives can make the most of the coming year to acquire new customers, engage existing customers, drive revenue, and prepare their firms for digital business transformation.