ANZ chief executive Shayne Elliott is "cautious" about the prospects for lending growth in the bank's core business, Australian banking. Instead, he is focusing on improving service delivery through digitisation of the business to win new customers and deepen customer relationships.ANZ has had net growth of 325,000 in customer numbers over the past two years.Elliott attributes a lot of that growth to the digitisation of the business, including initiatives such as the launch of Android Pay and Apple Pay this year.Elliott said: "Customer acquisition is at an all-time high and September was our best month to date. And we are turning more dormant customers into active customers."Mobile wallets appeal to high-income young professionals. They are buying other products."The Australian division contributed A$3.6 billion to group cash profit. This was an increase of 4.7 per cent over the previous corresponding period and made up 60.7 per cent of total earnings.Elliott said he would target growth in mortgages in line with system. ANZ lost mortgage market share in the year to September."We have changed our risk appetite and we are more cautious about growth," he said. "There is aggressive pricing in the market and we have said it is OK to step back from that."Elliott said strong house price growth combined with more Australians on fewer hours of work raised a concern that it may be harder for people to keep up with their payments."That makes us more cautious," he said.