There has to be guaranteed problem-free access to their bank and/or online banking on all channels. Comparable to social network platforms, modern online banking will offer a service enabling customers to individualise and creatively design their interface. In the process they can put freely selected and often accessed services in the foreground, i e. in the personal and secure area. Via mouse click, touch or voice activation, customers also have the option to communicate in confidence and securely with their advisor or arrange for a face- to-face meeting when needed. Another conceivable option is an interface between a customer's online account and the digital calendar of the bank employee so that customers can interactively enter a preferred appointment time.