Digital banking services have been considered modern for years, yet at their core they have changed very little. Interfaces have been redesigned, processes digitized, and new channels introduced, but the fundamental understanding of banking has largely remained the same. The session “Beyond Interfaces – Designing Digital Banking for Customer Needs” at Digital Finance Day made it clear that this model is reaching its limits. The key takeaway: it is not the interface that will determine the future of digital banking, but the ability to reflect real-life situations and genuine customer needs.