Only 9 percent of all respondents have a completely Digital Banking solution in place which is a slight increase of 2 percent points compared to 2015 and quite less than one could expect.
Almost all banks are well underway with their strategy but most them did not finish the implementation yet. More than 34 percent do have a complete strategy, another 60 percent are working on it. The preferred way is to develop the Digital Banking strategy before starting to implement the solution - implementation follows strategy. But anyway banks seem to work simultaneously on both.