The story of the finance sector over the last decade has been one of disruption. Payment platforms and digital providers have moved into spaces left unoccupied by the banking sector to compete for customers and change customer expectations.

Now big tech companies are exploring banking too, and the words of Bill Gates seem more pertinent than ever, "We need banking, but we don’t need banks."

• So, how is the US banking sector responding to this challenge?
• How are they competing to retain and grow their SMB customer base, the backbone of the US economy?
• The banks have the budget to up their digital game, but how should they invest it?

In this report Pollinate gives us the latest insights into the fight for the future of banking, through their 2023 US Banking Survey.