The document summarizes several key retail banking trends in 2018 based on a Capgemini report. It finds that banks are investing heavily in digital transformation, increasingly collaborating with fintechs, looking to leverage digital IDs and distributed ledger technology, deploying AI/RPA to increase efficiency, using analytics to enhance customer experiences, and leveraging the cloud. It also notes threats from digital-only challenger banks and growth of alternative lenders using new data and platforms.