Warren Buffett famously said the “chains of habit are too light to be felt until they are too heavy to be broken” — something anyone who’s ever invested any time into changing consumer habits can quickly confirm. The bigger the change, the bigger the challenge. Upping customer interaction with digital banking? Very doable — as customers like developing a digital banking habit. Using voice AI? More challenging, unless those building it are willing to work fast. Getting customers to lead a healthier lifestyle? That’s going to require some tailored rewards.