Customers (and banks themselves) now generate exponentially more information than ever before. Leading players will harness both structured and unstructured information – from traditional sources (such as credit scores and customer surveys) and from non-traditional sources (such as social media, and cross-channel bank customer interaction data). They will ‘wire’ their own operations to build the information rigour more typical of the manufacturing industry. And they will collect and purchase other behavioural data (such as mobile location and purchase data) – particularly as customers grow accustomed to forgo some degree of privacy for proven value.