The financial services market is undergoing significant change to adapt to consumers’ mobile-first expectations. Much immediate effort in 2018 will focus on rolling out the Zelle person-to-person (P2P) network that some envision as the backbone of future money movement. But longer-range efforts center on laying the groundwork for customer relationships that increasingly will rely on knowing, serving and advising each customer on a proactive basis with every login and alert. In 2018 Digital Banking Trends,  Javelin’s Digital Banking team has mapped out three critical trends that are likely to demand  long-term strategic vision, near-term tactical decisions, and a staged investment in digital banking technology and partnerships.