5. Concierge Service. The advent of Obamacare in 2014 will advance a trend that started to percolate a couple of years ago – concierge services. Concierge services will hit banking in 2014. When we are talking about concierge services, we are decidedly not talking about home visits by private bankers to clients with at least $50 million of deposits. Rather, this is concierge services for the many: scheduled branch visits, customized offers, premium customer service telephone numbers, more robust rewards programs. Heck, American Express has become more of a ticket agent than a payments company in many ways. Your bank, too, will become more of a concierge service than a bucket for deposits in 2014 – or it should.