"If you’re wondering if we’ll see a financial shake-up in 2019, the answer is yes—at least when it comes to digital transformation. We will see big changes this coming year, especially for the banking giants, many of which have operated with a legacy-era brick-and-mortar mindset for hundreds of years. The truth is, consumers now have so many options when it comes to banking that even the most established financial institutions will need to work to stay relevant if they want to stay ahead. Below are what I consider to be the most significant digital transformation trends in the financial services industry for 2019."