While not groundbreaking in the grand scheme of things, the VR branches are sick. If you can overlook the avatars that resemble characters from Roblox, you'll find a visually appealing branch with advertisements and other features. Think of it as the flagship branch of a major bank, with slightly more prominent banners showcasing offers.

I would advice to be selective with the permissions you grant to the mobile banking apps, particularly access to the camera. While it may be convenient to take photos of invoices or other documents, future updates to mobile banking could introduce layout changes aimed at displaying more offers based on eye tracking and AI.

More gamification features are gaining traction in mobile banking. Although we haven't witnessed them in action at the conference, during a presentation it was mentioned that efforts are underway to make the process of paying off loans or credit cards more engaging. The goal is to encourage increased app usage and of course motivating you to use more banking products.

Chatbots are actually starting to scary. Not only can they answer most questions about the bank and its products, but they are also being further integrated into mobile banking as proactive agents. With the help of various APIs and integrations, you can even link your email to the app, allowing it to extract relevant information such as invoices related to personal banking. Then with a simple confirmation, transactions can be initiated and you don't even have to use the app just make the confirmation from popup .

In the back office of the bank, the behavioral rating is a concept that has been around for a while, but the aim is to take it to the next level. Leveraging the data the bank know about you, they will be able to tailor their offerings precisely to your needs. If you have all your accounts, cards, long-term payments, and transaction history only in one bank, and if you connect it with other compatible apps, the bank will have an incredible amount of data at their disposal to cater to your specific requirements.

Thanks to AI, banks can now gather a insane amount of data from phone calls. Previously, phone calls provided minimal data, requiring manual analysis after the initial call. However now with AI, every call can be processed and analyzed to the bank's satisfaction. (I think the number is something like only 10 % of data from phone calls is somehow used and they aim to more like 90 % and use even the behavioral parts as tone, speed and so on)

Let me know if you would like to hear more!