Digital disruptors are converging on banks around the world: cloud computing, new market entrants and changing consumer behaviors are forcing banks worldwide to reinvent themselves. What do connected, impatient, empowered consumers want from their banks? Accenture’s Dave Helin talks about its just-released survey of 4,000 US and Canada retail banking customers and how cloud computing is changing the game. How is the cloud redefining relationships between consumers and their providers of banking products & services? Will consumers embrace branchless digital banks? Do personalized digital financial advice tools hold the key to Millennial wallets? What do consumers say would increase their loyalty? What unique business models are emerging from the smart banking revolution? How can banks enable a more competitive, customer-centric, & sustainable business model? Will emerging market banks lead innovation? Will they provide ATMs in the cloud? How can banks find silver linings in the cloud?