What is digital banking?

Digital banking refers to the delivery of financial services through digital channels — mobile apps, web platforms, and self-service devices — enabling customers and members to conduct transactions, manage accounts, and access financial services without visiting a physical branch.

The shift to digital banking has fundamentally changed what community financial institutions need to offer to remain competitive. Customers increasingly expect to deposit checks, transfer funds, open accounts, and apply for loans from their phone or computer — at any hour of the day. Institutions that cannot meet those expectations risk losing customers to neobanks, fintech apps, and larger institutions with more developed digital platforms.

For community banks and credit unions, digital banking includes the self-service technology at the branch — ITMs, ATMs, TCRs — that extends digital capabilities into the physical environment. CSG's role in the digital banking ecosystem is to provide and support the hardware and technology infrastructure that makes self-service banking possible at the branch and drive-up level, including ITM deployment, check imaging through Conveyance, and the managed services that keep those systems running reliably.