The ongoing Covid-19 pandemic has upended business models around the world. The banking industry is no exception. While banks had already begun their march towards a digital future, this transformation now takes on an even greater urgency. With super-apps launching virtual banks, the lines between finance, retail and tech companies are blurring. API-powered digital ecosystems allow banking to be embedded in non-banking business processes to service customers’ varied needs – from hailing a taxi to planning a dinner. Incumbent banks are responding to strong outside competition by disrupting their own business models. How will this wave of disruption play out in the next decade? Where will we be in 2030?