We live in a world where cash feels archaic and latency is the enemy. A bank that can move money fast, show you meaningful data, and do it without making you dizzy wins. That’s why people increasingly prefer digital-first players. And by digital-first I don’t only mean a slick app. I mean systems built to automate risk, nudge savings behavior, and reduce friction at the moment of decision. That’s the place where tech actually changes behavior. If you’re curious about the broader category, look up modern offerings under the umbrella of cit banking they’re one example among many, but the features and trade-offs there illustrate industry trends.