The “big bang” in mobile adoption is over. Javelin’s 2021 forecast shows that growth in monthly mobile banking adoption is tapering off and will remain far short of adoption of online banking for years into the future. Meanwhile, additional Javelin forecasts for branches, ATMs, call centers, and interactive voice response systems underscore that these channels are in slow decline but far from extinction. The far-reaching trends underlying Javelin’s forecasts will influence digital investments by banks and credit unions, the pursuit of mobile parity without neglecting the dominant online channel, and the necessity of finding the right balance between physical and digital banking channels. The mobile banking forecast also heralds a turning point. From this point on, success increasingly will be measured by how wisely financial institutions pick and promote features that deepen digital engagement and develop banking relationships built on trust.