Banking Reinvented

Episode 92 of Banking Reinvented explores how banks can navigate global uncertainty while building new value creation models for the future.Host Tim Rutten sits down with Roland van der Vorst, Head of Innovation at Rabobank and CEO of Rabo Carbon Bank, to discuss what it means for a bank to provide stability in turbulent times - and why that requires looking outward, not just inward. Together, they explore how AI is reshaping banking from the inside out, why the biggest threat to banks isn't competitors but empowered clients, and the cultural shifts required to foster genuine innovation.Tune in to hear why curiosity - not just growth mindset - is the foundation for navigating disruption, how professional services will split between commodity and specialty work, and what it means to translate future value into present-day benefits for clients.Curious to find out more about customer-centric banking?Step into the future of finance -> Check out our content hubTimestamps (00:00) – Welcome to the "Banking Reinvented" podcast (00:25) – Introduction to Roland van der Vorst (01:03) – What is Rabo Carbon Bank? (02:09) – Global uncertainty and what's driving the turbulence (03:44) – How our view of the future has changed across centuries (06:17) – What banks should focus on: stability, balance sheets, and risk assessment (07:08) – AI compared to electricity, not the internet boom (08:49) – Why the client - not competitors - is the real disruptor (12:16) – Examples of client-led disruption: M&A, wealth management, cross-sell (14:47) – Three ways AI will reshape professional services (18:17) – The irreplaceable value of human experience and judgment (21:45) – Why curiosity is the key cultural driver for innovation (24:09) – Curiosity vs growth mindset: what comes first (26:44) – What sets humans apart from machines (28:16) – New value creation models: risk-as-a-service and digital assets (30:00) – Translating future value into present benefits: the Carbon Bank example(31:29) – Key takeaways and episode wrap-up

Episode 91 of Banking Reinvented explores how smaller financial institutions can punch above their weight through smart, continuous modernization.Host Tim Rutten sits down with Ben Nadel, Co-Founder of Woodhurst, a consultancy specializing in helping mid-tier banks and building societies transform their operations. Together, they discuss why size can be an advantage when driving change, the importance of top-down commitment and strategic investment, and how to balance digital ambition with the local, member-first values that define mutual organizations.Tune in to hear why transformation is never "done," what it takes to simplify fragmented tech stacks, and how the best mid-sized institutions are building for the long game while staying true to their roots.Curious to find out more about customer-centric banking?Step into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast (00:30) – Introduction to Ben Nadel and Woodhurst (02:47) – Working with mid-tier institutions: balancing ambition and resources (05:02) – Why being small can be your biggest advantage (10:35) – The cultural choice: going all in on transformation (11:06) – Top-down commitment and strategic investment (15:33) – Infusing innovation into regular operations (17:24) – Celebrating small wins and the "eat the elephant" approach (18:10) – Handling hurdles: the importance of milestones and momentum(23:52) – Simplifying the tech stack: choosing the right partners (24:23) – Deep partnerships and proven solutions (25:13) – The evolving architecture: ready for AI (26:21) – Digital paradox: staying local while going digital (28:04) – The power of both: human touch meets digital backbone (29:26) – Member experience and physical presence (30:08) – KPIs of success: serve more members on the same cost base (32:29) – Five steps to modernization(33:19) – Recap: forever better, not one and done (36:03) – Final thoughts: digital powered by physical presence (37:09) – Episode wrap-up

In Episode 90 of Banking Reinvented, host Heidi Custers speaks with Rom Atapattu, Co-founder and Group CEO of the Patronus Group, about how private banking is changing and what that means in practice.Drawing on more than 25 years across Swiss and UAE private banking, Rom shares his perspective on the Great Wealth Transfer, AI-supported relationship banking, shifting client expectations, and why trust, judgment, and personal context still sit at the heart of wealth advice.The conversation also explores what private banks often get wrong, why most client conversations are not about money, and how new wealth hubs like Mauritius are emerging alongside more established markets.Step into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to Banking Reinvented(00:24) – Introduction to Rom Atapattu(02:15) – The evolution of Swiss private banking: from secrecy to compliance(06:40) – The single biggest shift in 25 years of wealth management(11:20) – The Great Wealth Transfer: $83 trillion moving to Millennials and Gen Z(13:55) – How next-gen wealth clients are fundamentally different(18:14) – AI won't replace advisors - it will make them superhuman(21:30) – Every client has a story: why personalization matters in private banking(25:15) – Building Banque Patronus: disrupting wealth in Mauritius(32:39) – Why most private banking conversations aren't about portfolios(34:02) – Private banking as the original "beyond banking" experience(35:19) – The biggest mistake banks make: one-size-fits-all wealth management(38:09) – What happens when digital fails the next generation of clients(43:15) – Key takeaways and final thoughts(45:30) – Episode wrap-up

Episode 89 of Banking Reinvented explores how building societies are modernizing while preserving the personal touch that defines mutual banking.Host Tim Rutten sits down with Susanne Parry, Chief Operating Officer at Cumberland Building Society (The Cumberland), to discuss how mutuals can deliver digital-first experiences without losing the human connection that makes them different. Together, they explore the unique challenges building societies face in transformation, how to design digital journeys that feel personal, and why financial wellness could become the defining differentiator for mutuals competing against larger commercial banks.Tune in to hear how The Cumberland is reimagining member journeys, empowering colleagues with data and digital tools, and proving that modernization doesn't have to mean losing what makes mutuals special.–Curious to find out more about customer-centric banking? Step into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast (00:30) – Introduction to Susanne Parry (02:45) – The Cumberland's transformation journey (08:20) – Building relationships in a digital world (15:40) – Designing digital experiences that feel human (22:10) – Preserving emotional connection in an automated world (28:35) – Journey orchestration: the "human + digital" model (34:50) – Reimagining key member journeys (41:15) – Blending technology with empathy at scale (47:30) – Empowering teams through data and digital tools (53:45) – Personalizing interactions across channels (59:20) – Financial wellness as a mutual differentiator (1:05:40) – The evolving role of building societies (1:11:25) – Key takeaways and final thoughts (1:14:00) – Episode wrap-up

Private banking is being redefined. Not by abandoning personal relationships, but by augmenting them with smarter technology, unified platforms, and proactive engagement that meets clients where they are.In this episode, host Alex Jimenez sits down with Dean Indot, Director of the Private Client Group at Western Alliance Bank. With over 20 years in banking and wealth management, Dean brings a sharp perspective on what it takes to build a modern private client experience that balances high-touch advisory with high-tech enablement.Together, they explore the emerging private client group model at Western Alliance, where AI is making the biggest impact in client onboarding today, how banks can unify retail and wealth into one cohesive experience, the influence of creator-led financial education on trust and client expectations, and what younger clients demand as the great wealth transfer accelerates.Tune in to hear how private banking is evolving from reactive service to proactive relationship building, and why the banks that get platform architecture right will win the next generation of wealth clients.Step into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast(00:26) – Introduction to Dean Indot(02:38) – Launching the Private Client Group at Western Alliance(06:07) – AI's most practical use case in wealth onboarding(09:49) – Unifying retail banking and wealth management(12:35) – Working with advisors without competing(14:46) – How creator-led financial education influences client trust(17:15) – The great wealth transfer and younger client expectations(21:18) – Digital expectations without losing the human touch(24:19) – Balancing self-service with high-touch advisory(26:01) – What's redefining premium service in private banking(29:35) – Final thoughts and key takeaways(31:43) – Episode wrap-up

Episode 86 of Banking Reinvented explores how the Philippines’ largest bank is bridging physical and digital channels to deliver seamless, customer-first experiences at scale.Host Tim Rutten is joined by BDO Unibank’s Romeo Josef “RJ” de la Cruz, Head of Digital Applications & Delivery, and Levy Mariñas, Head of Digital Apps Delivery, who lead the teams powering BDO’s mobile and web platforms. Together, they discuss how BDO is unifying its digital architecture, accelerating time-to-market, and expanding access through its “phygital” strategy, where in-branch, online, and mobile banking work as one.Tune in to hear how BDO tripled digital wallet adoption, plus how they’re driving financial inclusion and preparing for the next wave of AI-powered personalization, efficiency, and fraud prevention.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Romeo Josef “RJ” de la Cruz -> Levy MariñasStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:31) – Introduction to RJ, Levy, and BDO Unibank(05:14) – The value of a “phygital” transformation(09:02) – The 2-3 year ambition roadmap(10:25) – Balancing innovation with security and trust(13:38) – Collaboration with a fintech partner(15:51) – Key use cases(18:03) – Navigating a competitive market(20:52) – Harnessing the power of AI(25:45) – Key learnings and takeaways(31:12) – Episode wrap-up

Episode 86 of Banking Reinvented explores how wealth management is evolving from an exclusive service for the ultra-wealthy into an accessible, personalized experience for broader client segments.Host Tim Rutten sits down with Mindaugas Vaičiulis, Head of Technology and Senior Vice President at Danske Bank, where he leads the Wealth Planning & Investments Tribe. Together, they discuss how digital innovation is democratizing wealth management, what a truly seamless hybrid model looks like when digital and human advisory work as one continuous experience, and how banks can deliver hyper-personalization at scale without losing the trust and empathy that define great advisory relationships.Tune in to hear how technology is reshaping the advisory value proposition and what it takes to make high-quality investment guidance accessible across all client segments.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Mindaugas Vaičiulis-> Danske BankStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast (00:26) – Introduction to Mindaugas and Danske Bank(04:00) – Democratizing wealth management(07:56) – Differentiating across channels(10:32) – Human vs. digital experiences(14:06) – The role of AI in wealth management(19:16) – Bringing the “segment of one” to life(25:43) – The optimistic and pessimistic views on AI(31:36) – Owning the client experience(33:52) – Episode wrap-up

Episode 85 of Banking Reinvented marks a milestone, our first Africa Spotlight conversation hosted by Amjad Ramahi. In this episode, we explore how AI is reshaping financial services across the continent and why Africa is uniquely positioned to lead this next wave of innovation.Amjad sits down with George Njuguna, Founder of GNK Consulting and former CIO of Safaricom, to discuss the continent’s readiness for AI. With over 24 years in banking and fintech across sub-Saharan Africa, George brings a powerful perspective on how AI can drive intelligent financial inclusion, simplify complex information across diverse languages, and unlock opportunities for millions who remain excluded from traditional banking.Together, they explore Africa's leapfrogging advantage from mobile money to modern AI-driven banking, the practical use cases already delivering value, and why education is Africa's greatest accelerator. George calls for early AI literacy, local model development, and leadership grounded in curiosity and collaboration.Tune in to hear why Africa's hunger for innovation, young population, and mobile-first foundation make it uniquely positioned to shape the future of AI-enabled banking.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Amjad Ramahi-> George Njuguna-> Jouk PleiterStep into the future of finance -> Check out our content hubTimestamps(00:00) Welcome and introduction to George Njuguna(01:12) Why Africa will not miss the intelligence revolution(02:57) How AI fits into Africa’s innovation journey(03:43) AI as an enabler of inclusion and access(05:23) Breaking language and literacy barriers(06:40) Building Africa’s talent pipeline through education(09:59) Technology, culture, and preserving African heritage(12:04) Real AI use cases in African banking(15:11) Governance, cybersecurity, and building AI guardrails(18:12) Collaboration, policy, and leadership in the AI era(21:18) Curiosity as a key leadership mindset(23:31) Lessons from the Jacquard loom and embracing innovation(27:04) Africa’s opportunities in the next wave of transformation(29:35) Rethinking SME credit and powering local value creation(32:17) How M-Pesa shaped Africa’s financial landscape(41:19) Final advice for banking CEOs

Episode 84 of Banking Reinvented dives into how Asia’s banks are answering a wake-up call from e-wallets, digital challengers, and shifting customer expectations, turning disruption into opportunity through AI, agility, and collaboration.Host Tim Rutten is joined by Delfin “Doc Jay” Sabido, Chief Innovation & Transformation Officer at Chinabank (Philippines), to discuss how the 105-year-old bank is reinventing itself through trusted digital experiences, ecosystem partnerships, and intelligent automation.Tune in to hear how Chinabank is balancing speed with security, leveraging partnerships to combat fraud and accelerate innovation, and experimenting with agentic intelligence to drive efficiency and personalization.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Tim Rutten-> Delfin Jay Sabido (Doc Jay)-> Chinabank (PH)Step into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:19) – Introduction to Doc Jay(02:20) – Backbase’s AI pivot(03:45) – The remit of a Chief Transformation Officer(07:46) – The “wake up” moment for digital transformation(10:13) – The role of ecosystem partnerships(14:30) – Using AI for operational efficiency(18:32) – Getting buy-in from the boardroom(23:51) – The evolution of Agentic AI(29:00) – Predictions for Asian banking in 2026(34:33) – Leadership learnings from Doc Jay(39:39) – Episode wrap-up

Episode 83 of Banking Reinvented explores the evolution of commercial banking through the lens of payments innovation and AI transformation.Host Tim Rutten sits down with Ad van der Poel, Chief Commercial Officer at HSBC Innovation Banking in the U.K., to discuss how commercial banking is being reshaped by emerging technology, shifting client expectations, and new competitive dynamics. With 25+ years in payments and treasury, Ad shares his vision for what meaningful innovation looks like and where banks need to move faster.Together, they explore the convergence of AI and payments, the rise of embedded finance, and why commercial banking transformation isn't just about technology: it's about relationships, speed, and delivering real business outcomes for high-growth innovators.Tune in to hear a candid conversation about where AI will drive the most impact, what's blocking faster adoption, and how commercial banks can compete in a world where fintech and Big Tech are raising the bar.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Tim Rutten-> Ad van der Poel-> HSBC Innovation BankingStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast (00:32) – Introducing Ad van der Poel (02:15) – Ad's 25+ year journey in payments and commercial banking (06:40) – What meaningful innovation in commercial banking looks like (11:20) – The commercial banking landscape: next 3-5 years (16:45) – How client expectations are shifting - and fast (21:30) – Competition from fintechs and Big Tech in commercial banking (27:10) – Where AI will have the biggest near-term impact (32:50) – Treasury, payments, and risk: AI use cases in action (38:20) – The role of relationship management in an AI-powered world (43:15) – Key enablers for AI adoption in commercial banking (49:00) – What's blocking faster AI implementation (54:30) – The importance of data architecture and unified platforms (59:45) – Building vs. buying: the platform decision (1:04:20) – Key takeaways and final thoughts (1:07:10) – Episode wrap-up

Episode 82 of Banking Reinvented dives into the evolving world of embedded finance and how it’s reshaping the banking landscape for both financial institutions and end-customers.In this episode, host Tim Rutten sits down with Michał Kurowski, Director of Strategy& Poland (Part of PwC Poland). Together, Tim and Michał unravel what embedded finance really means and how banks can integrate products like payments, loans, and insurance seamlessly into the digital experiences consumers use every day. They also discuss the roles that banks, tech companies, and other players occupy in these emerging ecosystems, as well as the opportunities and challenges they present.Listen now to learn more about embedded finance, including promising use cases, transformational priorities, and how traditional banks can position themselves for success.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Michał Kurowski-> Strategy&-> PwC PolskaStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:24) – Introduction to Michał(01:40) – Recent developments in embedded finance(03:33) – The evolution of embedded finance(06:31) – AI’s role in embedded finance(09:12) – Leveraging embedded finance partnerships(16:46) – Promising use cases(21:51) – Foundational capabilities for embedded finance(29:09) – Key takeaways(30:37) – Episode wrap-up

Episode 81 of Banking Reinvented dives into the forces reshaping how banks operate, compete, and deliver value in a digital-first world.Host Tim Rutten sits down with Panagiotis Kriaris, Director and Head of Business & Corporate Development at Unzer, to explore the fundamental shifts in banking business models. Together, they discuss the growing gap between customer expectations and what banks can actually deliver, the role of core modernization in closing that gap, and where AI is making the biggest impact right now.Tune in to hear how technology is driving real business transformation and what banks need to get right to compete in the next era of financial services.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Tim Rutten-> Panagiotis Kriaris-> UnzerStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast(00:30) – Introduction to Panagiotis Kriaris(02:15) – The fundamental shifts in banking business models(09:45) – The gap between customer expectations and bank capabilities(17:20) – Where core modernization fits in the transformation journey(24:50) – What banks need to get right during the transition(32:10) – AI's biggest impact areas in banking today(41:30) – Key takeaways and final words(43:45) – Episode wrap-up

Episode 80 of Banking Reinvented explores the evolution of AI in banking and capital markets, from the early days of deterministic models to the dawn of agentic AI and beyond.Host Tim Rutten is joined by Sam Ahmed, Managing Director, APAC, at Swarm Dynamics and Founding Partner of Deriv Asia X. Together, they unpack how AI has transformed from simple analytics to complex, autonomous systems that revolutionize how banks detect risk, optimize operations, and understand human behavior. From governance to guardrails, this episode challenges leaders to consider not just how AI can accelerate banking transformation, but how it can do so responsibly.Tune for a candid, thought-provoking exploration of what equitable AI could mean for the future of finance.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Sam Ahmed-> Swarm DynamicsStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:24) – Introduction to Sam(02:17) – The evolution of AI in banking(10:22) – Upskilling for AI(18:17) – Error rates of humans vs. AI(19:23) – The risks of AI monopolization and job replacement(27:48) – The role of AI regulators(30:23) – Applying AI to executive decision-making and beyond(44:34) – Key takeaways(46:43) – Final thoughts from Sam on AI risk(50:22) – Episode wrap-up

Episode 79 of Banking Reinvented dives into the future of fraud prevention and identity protection, exploring how AI-powered solutions are revolutionizing the fight against financial crime.Host Tim Rutten sits down with Nuno Sebastião, Co-Founder and CEO of Feedzai, as well as Jouk Pleiter, Founder and CEO of Backbase, to discuss the challenges that financial institutions face in a digital-first world. Together, they explore the exponential rise of deep fakes, synthetic IDs, and fraud factories, the convergence of cybersecurity and risk management, and the role that Agentic AI plays in transforming banking operations, from fraud detection to workflow automation.Tune in to hear a candid, forward-looking conversation about what it takes to stay ahead of fraudsters, disrupt your bank before others do, and build resilience in an AI-native world.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Nuno Sebastião-> FeedzaiStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:24) – Introduction to Nuno and Jouk(01:25) – The Feedzai journey(05:23) – Disrupting your bank before someone disrupts you(07:35) – The exponential challenge of deepfakes and AI-powered fraud(13:29) – Emerging trends for combatting fraud(19:50) – The fraud prevention journey in banking so far(22:19) – How to actually implement cutting-edge fraud prevention(26:48) – Cultural requirements for driving change(29:51) – Where to start with implementation(33:48) – Embracing composability in a heavily regulated industry(36:39) – The obsolescence of onboarding tools(40:52) – Centralizing ID: the role of governments and banks(43:09) – Using AI to streamline operations and boost productivity(59:43) – The importance of sticking to a plan(1:01:17) – Key takeaways and final words(1:03:41) – Episode wrap-up

Episode 78 of Banking Reinvented explores what the future of banking in APAC could look like by 2026, from the rise of AI-driven personalization to the growth of embedded finance and digital-first challengers.In this episode, host Tim Rutten is joined by David Jimenez Maireles, fintech influencer and Fractional Digital Advisor at D19 Advisory. David shares his predictions for how the region’s banks will close the gap between promise and performance, using his nearly two decades of experience working in digital banking at Banco Santander, ING, and TNEX Vietnam.Together, they discuss how AI can make banking more human, what it takes to thrive when super apps and e-commerce players are embedding financial services, and why successful digital banks are built on platform thinking and customer-centric design.Tune in to hear the technologies, trends, and mindsets that will define banking success in 2026 and beyond.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase -> Jouk Pleiter -> Tim Rutten -> David Jimenez MairelesStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:24) – Introduction to David(04:26) – AI appetite in Asia(08:55) – Using AI for growth and engagement(12:45) – Neobank competitors and their key differentiators(16:21) – How APAC banks are leaning in for AI(19:26) – Key use cases for Asian banks(23:35) – The ideal banking tech stack(29:34) – The tipping point of AI usage(36:38) – Key learnings from David(40:39) – Episode wrap-up

In the sixth episode of our commercial banking takeover, Peter Tapling of PTap Advisory joins guest host Alex Jimenez to explore the intersection of faster payments, fraud risk, and trust in commercial banking. Learn how to balance the adoption of new rails like FedNow with client education, fraud prevention, and smart execution strategies. If you’re leading modernization efforts, this episode is essential listening.Interested in the space where payments, fraud, and tech converge? Discover more insights on our content hub featuring podcasts, whitepapers, and beyond.–Follow us on LinkedIn:-> Backbase-> Alex Jimenez-> Peter TaplingTimestamps(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover(01:12) – Common myths about faster payments(02:16) – Core challenges for modernizing payment systems(05:30) – Who should lead faster commercial payments(08:13) – Balancing speed with risk mitigation(12:04) – Overcoming blockers from payment providers(16:44) – Tech vulnerabilities for commercial institutions(18:28) – Examples of improving commercial workflows with faster payments (23:40) – Thinking about creating rails vs. using older ones(26:53) – Adopting faster payments without a clear roadmap(30:10) – How faster payments intersects with embedded finance/open banking(35:49) – The mindset shift in commercial banking(37:08) – Episode wrap-up

Episode 76 of Banking Reinvented explores how financial institutions across Asia can prioritize modernization for real impact, from AI-native operating models to cross-border growth opportunities.Host Tim Rutten is joined by Cyrus Daruwala, Partner Director-Asia at 3A Ventures International and Executive Director at the ASEAN Economic Forum, who advises some of the world’s largest banks and regulators on practical modernization, data, and AI. Together, they discuss why ASEAN’s trade flows are placing banks at the center of growth, how AI is reshaping both the front and back office, and what leaders must modernize first to balance speed, resilience, and ROI.Tune in to hear pragmatic insights on what modernization really looks like in practice, why AI is now the baseline for banking, and how leadership teams can steer through hype cycles to build future-ready financial institutions.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Cyrus DaruwalaStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:24) – Introduction to Cyrus(01:11) – Banking during geopolitical uncertainty(03:06) – The unprecedented nature of AI in banking(07:00) – Dynamics of the ASEAN region(11:47) – The role of incumbents in ASEAN(13:54) – What’s next for tech transformation in the region(20:32) – Where to start with AI transformation(23:37) – Use cases of AI in banking(29:49) – Leadership skills needed to leverage AI(33:14) – Training and upskilling for AI(37:00) – Main takeaways from Cyrus(45:36) – Final thoughts from Cyrus(47:47) – Episode wrap-up

In the fifth episode of our commercial banking takeover, Alan Koenigsberg, founder of Koenigsberg Insights and former Global Head at Visa, sits down with guest host Alex Jimenez to share how banks can modernize working capital, embedded finance, and B2B infrastructure. This episode is packed with insight into scaling safely, transforming legacy systems, and building operational models that last.For more on treasury transformation and infrastructure strategy, explore the expert content now live on our content hub.–Follow us on LinkedIn:-> Backbase-> Alex Jimenez-> Alan Koenigsberg-> Koenigsberg InsightsTimestamps(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover(00:57) – Blind spots in commercial payments(02:34) – Embedded finance and working capital innovation(05:02) – Managing credit profiles with data(07:06) – Best ways to approach digital transformation(12:27) – Over-engineering and under-investing in commercial payments(15:28) – Selling a solution vs. selling a rail/capability(19:11) – Trends on how banks get treasury digitization wrong(22:34) – Leveraging AI in commercial payments(27:20) – Crypto’s impact on the commercial/cross-border space(30:36) – Using quantum computing to build quickly and safely(36:13) – Macro forces shaping the next wave of working capital innovation(40:38) – Top three priorities for treasury and payments(44:57) – The biggest disconnect between fintech partnerships and long-term value creation(47:53) – Key takeaway from Alan(49:47) – Episode wrap-up

In episode 74 of Banking Reinvented, host Tim Rutten is joined by Adrian McPhee, CTO at Backbase, for a candid conversation about how banks can move beyond buzzwords to achieve meaningful change with the power of AI. Together, they discuss the critical building blocks for AI success, from data management and risk frameworks to organizational mindsets and regulatory collaboration. Adrian also shares first-hand stories of building AI-powered platforms, the challenges of scaling innovation, and why understanding customer intent is key to the next wave of digital banking.Tune in for practical strategies for embracing AI safely, aligning technology with business goals, and preparing your team for the future of financial services.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Adrian McPheeStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:42) – Introduction to Adrian(08:27) – Separating AI’s hype from its transformative potential(11:48) – The AI zeitgeist in the market(15:48) – AI’s amplifier effect(17:32) – Foundational capabilities for harnessing AI(22:30) – Innovating at the pace of the regulator(26:49) – AI’s evolution in banking(28:45) – Deploying and monitoring AI vs. traditional systems(30:27) – The importance of being AI native/fluent(34:31) – The next big wave in AI transformation(36:41) – Episode wrap-up

Episode 72 of Banking Reinvented explores how AI, open banking, and new operating models are fundamentally reshaping the financial services industry.Host Tim Rutten welcomes back Jarno van Hurne, VP Product and Head of Digital Banking, to unpack the hottest topics in retail, business, and commercial banking today. Together, they dive into everything from the rise of neobanks to the escalating challenge of digital fraud, as well as how banks can partner with fintechs to deploy AI-powered defenses.Tune in for a candid look at how banks can move beyond incremental change, embrace AI-native thinking, and position themselves for long-term success in a rapidly shifting landscape.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Jarno van HurneStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:23) – An introduction to Jarno(03:50) – Open banking news from JPMorgan Chase(07:30) – The death of open banking in the U.S.(12:55) – The fraud zeitgeist in banking(18:11) – The continued rise or Revolut and Nubank(22:54) – The importance of being AI-native(27:50) – The appetite for AI in traditional banking(30:52) – How to think AI-first(34:13) – Top use cases for AI in banking(40:35) – Episode wrap-up