Digital banking didn’t arrive all at once. It crept in. First through mobile apps that barely worked. Then through online dashboards that felt like stripped-down versions of branch services. Now it’s something else entirely. We’ve entered a phase where access, visibility, and transparency matter as much as products themselves. People don’t just want to store money. They want to understand what’s happening to it, in real time, without decoding fine print or calling support. That shift becomes obvious the moment you log in through something like cit bank login and immediately see balances, activity, interest, and movement without layers of explanation. No waiting. No mystery. This isn’t cosmetic change. It’s structural.