Banking applications do more than offer information about customers, products, services, and the state of the business: They are the primary touchpoints for customers and embody the banking business. Application development and delivery (AD&D) teams in banking need to be aware of seven key trends in 2016 that will shape their business technology (BT) agenda and change the way they design, develop, select, and deliver customer-centric banking applications. "Old school" banks that miss this opportunity will find it hard to accelerate fast enough to remain as competitive as in the past.