As digital disruptors offer alternatives to traditional banking, established financial institutions need new strategies and cloud-based technologies that can deliver the kinds of experiences the competition is offering. The Digital Life Index found that more than one in four people are considering or planning to change their financial institution in the next 12 months. New digital-first companies are offering attractive new options. Banks can meet rising customer expectations with new industry-specific data-driven cloud solutions. These can help them jump from mass messaging to individual personalization. Intuitive and seamless digital experiences empower the customers and make them feel like they can trust the brand. True loyalty is a result of delivering the kinds of experiences that make their lives better.