10. Your bank believes that «digital affinity» means the constant use by clients of smartphones or tablets.

11. That online banking today consists only of a pure transactions history. Analysts and helping aids are missing which could help customers get more out of their money. Consultancy and cross-selling applications are missing.

12. That online banking – like the design and functionality of the bank’s website – haven’t been updated for three years or longer.

13. Your bank still offers dozens of credit and account models with complicated fees instead of concentrating on a handful of products which could appeal to clients.

14. Your bank spends millions of francs to display its name and build a relationship with clients and their emotions.