Banking 4.0 will see banks rethinking banking from the ground up. Human experience is the new disrupter in the experience economy. This will affect the way banks interact with customers and manage traditional bank products, processes, and finance and risk operations. The implementation of new technologies and talent will be required to succeed in the digital age. Banks will change to look and operate more like technology companies, providing banking and related nonbanking services as they become digital platforms. Data-driven intelligence will differentiate the successful from the less successful financial services providers, which will include banks and new entrant nonbanks.