Improving digital service capabilities across multiple channels, making intelligent use of data and analytics, and creating new products and services are critical to ensuring banks are ready to help customers address the next big challenge. In the coming years, as branch interactions become less frequent, and competitive pressures from big tech continue to grow, acting on these opportunities will help banks remain trusted financial partners. Once I have captured this data what are my risks and legal constraints? What is the impact of new privacy regulations and how can organizations adapt to the trend toward greater consumer protection and choice?