The future of banking is here as we look at the adjustments which are anticipated to play out over the subsequent decade of retail banking. The drivers of the future are evolutions of the beyond: Some are playing out now; others could be a long way extra prominent by means of 2025 and desk stakes by means of 2030. The destiny of banking technology is driven by purchasers, who see generation as something that enhances their lives. A common fashion in banking technology is the usage of a utility programming interface (API) to make proprietary records available to everyone who has the consumer's permission to get right of entry to it. The book is written by Professor Sanjay Rout. It narrates future banking developments.