Major technology companies Apple, Google, Amazon, Facebook and Samsung are all entering consumer banking, typically starting with digital payment apps.

The major banks have all taken steps to address the new reality.

In October, the bank set up a separate unit, Citi FinTech.

In a memo to the staff, Stephen Bird, the new chief executive of global consumer banking, said the bank had reached aPivotal point,” whenTechnological change is intensifyingandCompetitors are everywhere.”

In an interview, Mr. Bird called the new unit theSpearheadof the bank’s move into the future.

The long-range goal, he said, is to provide an array of banking and money management services that are as effortless to use as ordering and paying fora ride on Uber.”It’s a big opportunity for us if we can move fast enough,” Mr.Bird said.

In 2010, 40 percent of Americans with bank accounts visited a physical branch once a week, while only 9 percent made a mobile transaction weekly, according to survey research by Javelin Strategy and Research.