Royal Bank of Scotland and NatWest has announced plans to invest more than £1 billion in small business and personal banking technology in the next three years. The focus will be on digital banking services to make banking easier and more secure for NatWest and RBS customers on the move. System improvements will include mobile access to bank payments and tracking of reward balances; integration of personal and small business banking into one mobile app; and online banking enhancements that will let customers customize their individual banking data. The bank is investing in processes that help simplify banking and branches, so it is easier for customers to have good conversations with staff when they need help. More than 400 branches in the U.K. will upgrade their technology to include iPads, the ability to register for and access online banking, and free WiFi access. In addition, RBS plans to open nearly 100 new ATM locations in high-traffic areas across the U.K., such as railway stations, and will deploy nearly 600 new cash and deposit machines in branches.