The emerging class of digitally savvy bank customers, including small and midsized businesses, increasingly wants to use bank branches more for sophisticated financial advice, support and products, and less for conventional transactions like cashing pay checks. This white paper, produced jointly by Knowledge at Wharton and Wipro Technologies, captures the emerging business models for bank branches. It is based on comprehensive, globally conducted customer surveys, and interviews with Wharton faculty and Wipro executives.