The 2024 Digital Banking Playbook highlights insights from the Money Experience Summit, where leaders emphasized engagement over traditional primacy. With consumers averaging 5–7 accounts, primacy now means daily digital use, not just deposits. Success requires reliable, secure, and scalable basics, plus awareness and education so customers adopt tools. Financial wellness is a continuous feeling of stability, not a finish line, and must be supported by clear, empathetic PFM tools. Institutions should balance AI with human context, combat real-time fraud in payments, and turn data into actionable intelligence. MX clients saw 3x more credit card applications, 6x more balance transfers, and 18% ROI on ad spend.

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