During the Covid-19 pandemic, US consumers have relied more on their smartphones and laptops to resolve even complex or emotive banking issues and disputes. Bain & Company’s latest survey of about 26,500 consumers through the NPS Prism® customer experience benchmarking service finds that digital has emerged as the most-used banking channel for dispute or advice episodes, overtaking the branch or call center. In general, consumers liked using digital more than human channels. However, a personal touch still has value: In episodes that involve advice, survey respondents who started digitally but ended by speaking with an employee gave higher loyalty scores than episodes that were exclusively digital. Beneath the averages, there’s a wide variation in the performance of traditional banks, with the Net Promoter Score℠ for complex episodes ranging from 41 to 25. The best banks have designed convenient digital channels that allow consumers to complete episodes quickly; they field responsive, helpful agents; and they resolve problems at the first contact.