With external disruptions like fintech, big data, economic and political factors, and other innovative technologies like AI, robots, and more, and internal disruptors like key decision-makers who may be averse to embracing digital, banks must recognize digital transformation is essential for their survival. Banks must deliver on unmet customer needs and truly embrace digital innovation while still maintaining human connections. Customers are looking for an organization they can trust but can also meet their needs both in-branch and at-home. By offering services as a mobile application, mobile wallet, online banking, in-branch appointments, and now virtual appointments, banks can ensure they are internally aligned, connected, and providing the best service for their consumers. With the integration of technology that can assist consumers on-the-go and at-home, banks must remember the importance of digital innovation in-branch.