Chapter 8, titled "The Universal Experience," discusses the evolving expectations of post-millennial consumers regarding financial services and how these expectations are reshaping the banking landscape. It highlights the shift away from traditional banking relationships, where a single bank provided all services, toward a more fragmented approach where consumers seek seamless, integrated, and contextually relevant financial experiences. The chapter emphasizes that as technology becomes ubiquitous, customers will prioritize frictionless interactions and instant access to services, leading to a demand for banks to adapt by providing tailored and responsive solutions rather than relying on conventional products.