Mobile banking will surpass 60% of households; and branch use will contract slightly, but remain steady among consumers. Those are two 2018 forecasts from Lombard, Ill.-based Raddon, a Fiserv company.

Research and analytics firm Raddon in its economic and industry predictions for 2018 also believes:

• GDP will continue to grow.
• Auto sales will decline.
• The Fed rate will increase.
• Real estate values will appreciate, but not as much as last year.
• CD portfolio growth will accelerate.
• Home equity lending isn't going anywhere, even with the tax bill.

Bill Handel, VP at Raddon, and author of the report, said. "Growth accelerated in the second and third quarters of 2017 and this trend should continue into 2018, although there will be growing concerns."

Online banking continues to be the dominant delivery channel used by consumers on a monthly basis, followed by the branch. "Currently 57% of consumer households use mobile banking monthly. We expect this to exceed 60% in 2018." Handel mentioned mobile banking will continue to be particularly important to younger generations – 85% of millennials use mobile banking monthly. "More importantly, an increasing number of consumers will be mobile-centric financial consumers, most particularly millennials and especially the up-and-coming Gen Zers."