Trends of digital services are slow. They are especially slow compared to regular marketing-oriented websites, where every year brings many new design aspects. But still, the digital services have their own long term trends.
The changes happening in 2017 and later will be significant. I’d even say that the current trends will have higher impact on businesses and users than the introduction of smartphones or anything else since the birth of internet itself. These trends work in combination with changes in competition – the next major competitors of the banks, telecoms and utilities are not coming from their own sectors, but from tech industry. Tech companies know how to use the data and how to focus on the customers, so in the long term they will be the best banks, utilities and telecoms. The company that owns the data about user is the long term winner.