We know what banks want to achieve. We know how they can achieve it. What we want to explore further is how close banks are to achieving their digital goals, both now and over the next few years. So we asked 157 senior IT executives, CIOs, CTOs, and other heads of technology spanning 14 primary markets for their thoughts on digital banking’s potential for today – and tomorrow. This paper presents the findings of our study and examines the implications of our findings for banking technology executives.