Throughout the past decade, the banking industry has dramatically evolved. Aggressive competition and regulatory pressures have always been a challenge. Now, competition from FinTechs and non-financial services firms, an explosion of new technologies, and soaring customer expectations have spurred unprecedented industry changes that compel banks to develop new strategies. BigTechs with substantial customer bases (such as Google, Amazon, Facebook, Alibaba, and others) are venturing into retail banking and disrupting profitable areas of the value chain. With the BigTech threat looming, banks are embracing the open banking API-led economy and collaborating with third-parties to offer new-age services. Digital transformation enables banks to provide new and better products and services while controlling and reducing operational costs. Banks are adopting Distributed Ledger Technology (DLT) and artificial-intelligence-based voice assistants to improve efficiencies and customer experience. Similarly, data analytics, machine learning, and AI are being used to drive process improvements and seamless services. This analysis of the top-10 retail banking trends for 2019 aims to help readers understand the fast-changing dynamics of the banking ecosystem.