"We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten." That famous line from Bill Gates certainly applies to the banking industry. While banking may still look much as it does today in the next year or two, the springboards for dramatic change already are in place. Those forces -- operating in tandem with shifting consumer expectations -- will have an unprecedented impact in the decade ahead, accelerating the transformation of the banking landscape. It's not too late for traditional banks and credit unions to thrive in this dynamic environment.

Technology is redefining how we bank – from mobile apps to online account management – we increasingly use digital means to make our money and data work harder for us. The technology already exists to have the nuances of our voices analysed to gain access to our bank account, or for Artificial Intelligence algorithms to check your account spending to help you better save for a life-goal or target. Increasingly we are also seeing the emergence of new fintech solutions to consumer banking issues – with the convergence of technology allowing devices like Amazon's Echo, for example, being able to buy products for you with just the direction of your voice. But where might this convergence be heading? What technologies could banking customers have access to in the near future?