Digital banking will supersede branch networks as the preferred banking choice for customers in 2015, Microsoft worldwide financial services director Marcelo Marquez de la Garza said in a company blog.

"It’s no surprise that digital is changing the way we bank, and we expect to see even more of the digital revolution to take place in 2015," Marquez de la Garza wrote.

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He further predicts that adoption of social media in banking will accelerate this year, and more digital revolution will be a key factor for further investment in digital technology.

Highlighting that big data will become mainstream and will be core to technology investments in 2015, he said, "A good portion of this trend is to enable banks the ability to find innovative ways to better use customer spending data for specialized promotions and services through the use of Big Data analytics and cloud computing."

Marquez de la Garza added, "I believe this is the year when big data will move from something people are trying to define, to a transformative tool with the combination of the cloud and cutting edge predictive analytics."

He went to predict that this year will see a stronger collaboration between retail, credit and banking organizations to mitigate high-profile cyber-attacks.

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He cited migration to Europay MasterCard and Visa (EMV) as one of the major changes this year to combat fraud.

"2015 has the potential to be a turning point in the banking sector. The potential that digital, analytic and security technologies has is unmatched by the impacts to not only the corporate balance sheets but customers alike," remarked Marquez de la Garza.