Digital channels provide increased opportunity to reach customers wherever they are, at any time. By reaching customers through multiple digital channels, financial institutions can cross-promote complimentary offerings to lead their customers to products and services that best fit their needs. Once a customer moves online, the more profitable they become. The opportunity then lies in keeping those customers engaged.
http://www.banking2020.com/2014/08/26/are-you-making-the-most-of-your-digital-bankers/