The paper shows a number of important e-banking innovations that take place on Polish market. It also presents digital channels trends in e-banking and mobile banking with projections for next five years. All innovations being developed are more and more considered by the banks as an element of their strategy, in order to offer enhanced customer experience and better menage relations with their customers. A visible trend is integration of digital channels with physical ones. Banks tend to invest more in innovations in order to gain competitive advantage.