Are you delivering banking experiences your account holders want in a digital-driven world? To do so, it's important to not just understand your audience, but how they are using technology.

While millennials make up the largest group using digital banking, nearly 71 percent of baby boomers use digital banking services at least once a week. Consequently, banks and credit unions must understand that it's not just a "one size fits all" approach when looking for the best way to engage with account holders to drive growth opportunities.

Device usage is an equally important consideration. In 2016, studies showed that more than half of American adults owned a tablet, up from 8 percent in 2011. While smartphone usage by U.S. adults also jumped from 35 percent to 77 percent over this same range of years. With these increases, digital users are demanding richer experiences and more robust functionality.

Digital banking solutions will need to keep pace with these demands for financial institutions (FIs) to grow. FIs focused on developing deeper, more profitable relationships should invest in seamless multi-device solutions, providing the same user experience and functionality across all of them. Using machine learning and behavioral patterns, FIs can then target account holders needs with specific offers ranging from car loans to money market accounts.

Digital banking in the mobile-first world provides a major opportunity for FIs to win in their prospective markets. If your FI has planned well, you can scale your digital banking with great success —gaining more engagement opportunities with account holders and attracting more prospects.

Do you know what it takes to future-proof your financial institutions? Download this helpful handbook to learn more about developing and growing your digital banking presence today.