This keynote examines how the traditional retail banking growth model is breaking down as consumers increasingly fragment their financial lives across fintechs, digital banks, and specialized platforms. Drawing on new Datos Insights consumer research, the session explores the structural forces driving deposit migration, weakening primacy, generational switching behavior, and the growing disconnect between digital engagement and relationship depth.

The presentation also outlines what leading financial institutions are doing differently to rebuild primacy through behavioral personalization, integrated financial experiences, and engagement strategies centered on the moments where money moves. Attendees will gain a practical framework for repositioning the bank relationship in an era where loyalty is no longer inherited and growth increasingly depends on relevance, trust, and ecosystem integration.