Banking Reinvented

Afleveringen

• Why simplicity wins in banking transformation: Dirty data, feature parity, and the wild west of AI with Aequilibrium’s Adrian Moise 04.06.2026 23min

  The credit union sector is consolidating quickly. In the United States alone, a sector that once counted over 20,000 institutions has shrunk to around 4,000. In Canada, the number has fallen below 300. In this episode of Banking Reinvented, recorded at ENGAGE Americas in Nashville, host Tim Rutten sits down with Adrian Moise, Founder and CEO of digital transformation firm Aequilibrium, to explore what it takes to survive and thrive in this environment.Adrian challenges some of the most deeply held assumptions in the industry. Feature parity, widely treated as a non-negotiable during mergers and platform migrations, is in his view one of the most expensive decisions a credit union can make. He argues that it imports legacy baggage, stifles differentiation, and risks stripping away the very value proposition that made an acquired brand worth buying in the first place. He also argues that even though the topic of AI dominates every conference agenda in financial services, most institutions remain stuck in pilots and limited sandboxes. More often than not, the obstacle is the data. Dirty, fragmented, and unintegrated, it does not get cleaner when you add an AI layer on top. Instead, it gets amplified.Tune in to also learn why in today’s market, the speed at which an organization learns is one of the most consequential advantages, and how the institutions best positioned to lead are running the cycles of iteration - shipping, learning from real users, and improving continuously. Adrian Moise, Founder and CEO of Aequilibrium, on why feature parity is a trap, what AI governance really looks like in practice, and how credit unions can compete in a market consolidating faster than most leaders are willing to admit.Website excerpt
• High-touch, high-stakes: rethinking client relations in investment banking with Fatima Mansoor 28.05.2026 37min

  Season 2 Episode 2 of Banking Reinvented steps into a world where client bases are smaller, relationships run deeper, and every interaction carries more weight - investment banking.Host Amjad Ramahi sits down with Fatima Mansoor, Head of Client Relations at SICO, a leading regional asset manager and investment bank based in Bahrain. With nearly two decades at the firm - from broker to leading client relations - Fatima brings a practitioner's perspective on how client expectations have evolved and what it actually takes to bring AI into a high-touch, trust-driven business.Together, they explore how SICO is using AI to handle the admin and analysis so relationship managers can focus on high-value client engagement, why the hybrid model - digital tools and human advisory working as one - delivers a better experience than either alone, and what it takes to shift mindsets in an industry where people still see AI as a threat rather than an enabler.Tune in to hear how SICO is rethinking client relations, navigating cultural nuances across the Middle East's diverse client base, and putting the client at the center of every technology decision.Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast(00:46) – Introduction to Fatima Mansoor(02:03) – How client expectations have evolved over two decades(04:34) – Building trust through technology, not despite it(06:25) – The hybrid model: AI and human advisory working as one(08:26) – Understanding what clients actually expect(09:05) – AI in action: portfolio insights, self-service, and 360 client views(10:42) – Why human interaction still matters - and how AI makes it better(13:04) – Removing friction: faster decisions, better client outcomes(15:56) – Personalizing the investment experience at scale(17:23) – Building an agile ecosystem for the next 5-10 years(19:31) – The biggest barrier to AI adoption: mindset, not technology(21:49) – Proving value through real test cases, not roadmaps(25:04) – Why transformation has to be driven from leadership(29:23) – Advice for driving change from within(29:44) – Using AI to strengthen regional culture and identity(32:07) – Personalizing across a diverse, multicultural client base(34:22) – The biggest opportunity ahead: hybrid, personalized, ethical(34:58) – Final words: every decision starts and ends with the client
• The UK's largest fintech transformation with Lloyds Banking Group's Suresh Balaji 21.05.2026 47min

  Suresh Balaji, Group CMO of Lloyds Banking Group, joins Banking Reinvented to unpack what it really takes to run a fintech transformation at the UK’s largest digital bank. The conversation covers restructuring a 250-year-old bank into agile cross-functional platforms, rolling out enterprise AI to 45,000 employees, and launching new brand platform "Bank on Lloyds." He also walks us through "Project Turing," Lloyds' blind experiment putting human creatives, AI engineers, and a hybrid team against each other to deliver the same campaign brief, judged by a jury that included behavioral economist Rory Sutherland. Plus, you’ll learn about the Three T's framework he uses to navigate transformation and the Royal Society motto that guides how he thinks about AI tools.
• Rethinking banking modernization: navigating complexity and unlocking growth, with Eugene Denny, Lila Canaj and Illia Dragan 30.04.2026 39min

  This episode of Banking Reinvented captures a panel from a recent Backbase event. The conversation brought together three practitioners with very different points of view on what modernization looks like inside a bank today.Eugene Denny, Principal Industry Advisor at Endava, Lila Canaj, Chief Retail Officer at Tirana Bank, and Illia Dragan, CPO at Salt Edge covered the following questions: how do you decide what to modernize first? What does it take for AI to deliver beyond the pilot stage? And what separates banks that are genuinely transforming from those running expensive IT projects nobody outside notices?Tune in to listen to Lila share how Tirana Bank cut consumer lending from two days to 20 minutes, became the second bank in Albania to launch end-to-end digital onboarding, and what the shift to agile squads did to the relationship between business and IT.You’ll also listen to Eugene lay out the five building blocks banks need before AI can really run - and why most banks are reaching for the model before they've built the foundation. Illia makes the case that KYC remains one of the least reformed processes in banking, and that the next frontier of open finance is cross-entity ecosystems most banks haven't started thinking about yet.Curious to find out more about customer-centric banking?Step into the future of finance -> Check out our content hub
• From fragmented to unified: making AI work in wealth & private banking with Jules Bordat 09.04.2026 34min

  Private banks and wealth managers have been paying a fragmentation tax for over a decade. Relationship managers toggle across five systems just to prepare for a single client meeting. Annual reviews feel like initial intakes. Investment proposals go out as 60-page PDFs and die in inboxes. While humans found ways to cope with this and bridge the gaps among fragmented systems, AI can't deliver reliable results under these same circumstances.In this episode of Banking Reinvented, Tim Rutten is joined by Jules Bordat, Principal Wealth Expert and Go-to-Market Lead at Backbase, to explore what happens to private banking and wealth management when AI enters an operation that was never designed to support it.Jules argues that the fragmentation problem most boardrooms thought they'd addressed five years ago looks completely different with AI in the picture - and the gap between institutions that act now and those that wait is about to widen fast. The conversation gets into what’s required to close the gap, including: Building a credible 2-3 year North Star while finding wins in 3-4 months when making a transformationWhy bringing the client experience and rethinking the lifecycle is the next differentiator in wealthHow AI-native signals encourages RMs and advisors to move client information from their notebooks to a unified intelligence layerThe real opportunity, Jules argues, isn't cutting admin time, but restoring the human element of the relationship itself.Jules also shares his prediction on the role hyperscalers like Anthropic will play in wealth management - and why it looks less like disruption and more like infrastructure.
• Hollowing out the core: the case for an AI-native operating model, with Dharmesh Mistry 02.04.2026 43min

  In Episode 99 of Banking Reinvented, Tim Rutten sits with Dharmesh Mistry, CEO of Vision 20 20 Consulting, to explore a question that reframes the entire core banking debate: What if the answer isn't replacing the core or wrapping it, but hollowing it out - and letting agentic AI fill the space?Dharmesh has been credited with delivering the UK's first mobile banking app, one of the UK's first online banks, and an early prototype of the single customer view at Lloyds in the late 1980s. Today, through his writing at Fintech Futures and his consulting work, he's building the case for a fundamentally different operating model in banking.The conversation covers a lot of ground: Why piecemeal AI adoption produces local returns and nothing more? Why does architecture have to come before everything else? Why does the shift from extracting value to exchanging value change what banks should be asking AI to do? Why is the window to move first - and move right - narrowing faster than most leadership teams realize?Tune in to hear a sharp, honest conversation about the biggest  transformational moment banking has seen in decades - and what it takes to be on the right side of it.Curious to find out more about customer-centric banking?Step into the future of finance -> Check out our content hub
• Banks must redesign operations and jobs, not just deploy AI, with Wessel Oosthuizen from Deloitte 26.03.2026 45min

  Heidi Custers, Strategy and Transformation Director at Backbase, sits down with Wessel Oosthuizen, co-lead of the AWS AI and Data team for Deloitte Africa, to work through why bank AI programs stall - and what it actually takes to fix them.Their starting point is a Deloitte statistic from a recent report that frames the whole conversation: 84% of companies haven't redesigned a single job around AI. Wessel argues that banks are making real technology investments while leaving their people and operating models exactly where they found them. As a result, the tech moves, but the organization doesn't.Heidi pushes on the practical reality for regulated institutions - how to move fast without gutting compliance, why standalone AI pilots rarely stick, and how a front-to-back wedge approach lets business unit leaders reimagine their own processes without waiting for a top-down mandate.They also get into wealth management, regional AI maturity, and the limits of Western-trained models, arguing that the real constraint on AI in banking isn't the technology; it's whether the people, the processes, and the data behind it were built for the world the bank operates in today.Step into the future of banking -> Check out our content hubTimestamps00:00 Introduction01:12 The Deloitte 2026 State of AI report - what 84% tells us04:49 Employees using AI in secret - the hidden adoption problem06:24 Why standalone AI pilots fail to move the needle09:12 Building a fast operating model inside a regulated bank14:05 The wealth management use case - context graphs in practice18:31Starting small - capturing advisor knowledge before scaling20:00 Regional differences - innovation fatigue in Europe vs. Africa's leapfrog moment25:38 Why AI models trained on Western data get Africa wrong29:09 The next decade belongs to better operating models, not better channels
• Separating hype from reality of AI in banking, with Marcus Martinez, Kanishka Bhattacharya, and Dave Murphy 20.03.2026 38min

  Episode 97 of Banking Reinvented shares one of the most impactful panel discussions from the Engage London event organized by Backbase.Four of the sharpest minds in banking and technology took the stage to cut through the AI noise - and get real about what's actually happening in the industry. Dave Murphy from Publicis Sapient, Marcus Martinez, Industry Advisor at Microsoft, Kanishka Bhattacharya, a Partner at Bain & Company, and host Tim Rutten covered everything from the AI use cases gaining real traction in banks today, to the organizational, talent, and leadership challenges that slow transformation down. No hype. Just honest, experience-backed perspectives from people driving change at scale.The conversation went deep on where AI is delivering impact right now - from compliance automation to back-office efficiency - and where it's heading next, including the rise of AI agents and what the future of customer engagement in banking could look like.They panelists also tackle the harder questions: how to scale AI responsibly, what the cost equation really looks like, and what banks should do first to get moving. If you're thinking about where to start - or how to go faster - this one's worth your time.–Curious to find out more about customer-centric banking?Step into the future of finance. Check out our content hub.
• Purpose as a growth engine: Why purpose-driven institutions should think bigger, with Leek Building Society's CEO Andy Deeks 05.03.2026 30min

  Episode 96 of Banking Reinvented tackles one of the most important strategic questions facing mutuals and building societies: how do you grow ambitiously without losing the purpose that defines you?Host Tim Rutten sits down with Andy Deeks, CEO of Leek Building Society in the UK, to explore how purpose-driven institutions can scale sustainably while staying true to their members. Together, they discuss why growth isn't just a financial target but a way to create more value for members, colleagues, and local communities, how smaller institutions can embrace new technology and why having an integrated business and technology strategy helps with longer-term thinking, and what it takes to lead with clarity when the pressure to do everything is constant.Tune in to hear how a mid-sized building society is proving that purpose and ambition aren't in tension - they're the same thing.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 (00:26) – Introduction to Andy Deeks (01:34) – What Leek Building Society is all about (03:40) – What's top of mind: focus, clarity, and strategic discipline (05:17) – Growth strategy: what growth really means for a mutual (08:30) – Why purpose creates clarity in decision-making (09:11) – Being member-centric as a mid-sized mutual (12:16) – You don't shrink to greatness: the case for ambitious growth (12:45) – Technology vision: augmenting the human connection (17:23) – Why smaller institutions can move faster than the big players (18:43) – Turning agility into a competitive advantage (20:33) – Finding the right technology approach for your institution (22:55) – Building an integrated business and technology strategy (25:23) – Key takeaway: the power of purpose-driven leadership (27:54) – When purpose clicked: a personal story (30:04) – Episode wrap-up
• When legacy systems meet modern payments: AI transformation and SEPA insights with CREDINS Bank's Valbona Dhjaku 26.02.2026 33min

  Episode 95 of Banking Reinvented explores a challenge every bank faces: how do you modernize legacy architecture while keeping pace with global innovation? And what does AI transformation really require beyond new technology?Host Tim Rutten sits down with Valbona Dhjaku, Advisor to CEO on IT and Digitalization at Credins Bank. Valbona holds a PhD in computer science, teaches at the University of Tirana, and spent two decades leading IT strategy and digital transformation at CREDINS Bank, Albania's second largest bank and the first private bank with Albanian capital. Currently, she's transitioning into the electronic money and payment space.Using Albania's entry into SEPA as the first Western Balkan nation as a case study, Tim and Valbona unpack the architectural challenges banks face when legacy monolithic cores collide with modern payment infrastructure. The conversation goes deeper into why AI transformation demands revolutionary change to operating models, not just incremental technology upgrades, and what's actually blocking banks from unlocking AI's full potential.Tune in to hear what transformation looks like when you're building foundations and embracing the future at the same time - lessons that apply whether you're in an emerging market or a mature banking system.–Curious to find out more about customer-centric banking? Check out our content hub(00:00) – Welcome to the "Banking Reinvented" podcast(00:24) – Introduction to Valbona Dhjaku(01:56) – Valbona's 25-year journey in Albanian banking and technology(04:06) – Albania joins SEPA: the first Western Balkan nation(05:33) – The real challenge: legacy systems vs. modern payment infrastructure(08:29) – Digital banking penetration and competitive context in Albania(11:04) – Albania as an emerging economy: building foundations while innovating(14:08) – The unique pressure of parallel transformation(15:33) – Private banking and market evolution in a young economy(17:35) – Teaching at university: the gap between education and industry needs(20:20) – AI in Albanian banking: where are investments happening?(23:25) – Why AI is revolution, not evolution(24:20) – The biggest challenge: changing mentality and operating models(26:25) – Women in banking leadership: competence, ownership, and confidence(30:04) – The future of payments in Albania over the next five years(33:23) – Episode wrap-upTimestamps
• The M&A shift: how banks move from risk management to revenue growth, with West Monroe's Brett Mastalli and Nate Porter 17.02.2026 41min

  M&A is back in U.S. banking. The deals are getting done. The headlines are flowing.But here's what most banks get wrong: announcing the merger is the easy part. The real value gets created or destroyed in what happens next.In this episode, Tim Rutten sits down with Brett Mastalli, Senior Partner and Banking Practice Lead at West Monroe, and Nate Porter, Director specializing in M&A and Digital Banking, to explore why most bank integrations fail to capture their promised synergies, and what separates the winners from the ones that struggle for years.They discuss the four load-bearing pillars of integration excellence, the classic pitfalls that derail post-merger value creation, and how modern digital platforms are becoming the secret weapon for de-risking tech conversions while accelerating time to value.Explore how Backbase helps banks modernize their technology and accelerate M&A integration → Check out our content hub
• Human, by design: what makes great wealth management today with Reham Sabri 10.02.2026 48min

  Episode 93 of Banking Reinvented asks an uncomfortable question: In the race toward AI and automation, have banks forgotten what made them valuable in the first place?Host Amjad Ramahi, Director of Solutions Engineering for Middle East & Africa at Backbase, sits down with Reham Sabri, AGM and Senior Director of Premium Banking at Commercial Bank of Qatar. Reham leads the Sadara and Private Banking segments, serving high-net-worth clients who expect digital convenience and deep human connection in equal measure.She's not anti-technology. Her argument is sharper: AI is a given. Digital is expected. Human trust is the real differentiator - especially when clients aren't just optimizing returns, but making decisions about legacy, family, and life.Together, they dig into what "high-tech, high-touch" actually looks like in practice, why relationship managers remain the true competitive advantage when products are commoditized, and where banks keep getting digital transformation wrong.Tune in to hear why the future of banking is human - not despite AI, but because of it. Check out our content hubTimestamps(00:00) - Welcome to the "Banking Reinvented" podcast(00:24) - Introduction to Reham Sabri(01:13) - Why "the future is human" in a world obsessed with AI(04:06) - A customer story: when digital-savvy clients still need human advice(07:08) - Balancing high-tech and high-touch in premium banking(09:22) - Mapping customer journeys and listening to feedback(11:52) - Hiring for empathy: what Reham looks for in relationship managers(15:24) - Training customers on financial literacy and digital tools(18:58) - The Young Bankers and Young Investors programs(24:57) - What makes a bad digital experience in banking(29:03) - Where banks go wrong in digital transformation(33:48) - AI transformation: keeping the human element intact(37:16) - Moving from product-centric to experience-centric banking(41:09) - How to measure empathy: KPIs beyond assets under management(44:12) - Final advice: why banks must shift to an experience model(47:37) - Episode wrap-up
• Why curiosity beats growth mindset: rethinking innovation in banking's AI era with Rabobank's Roland van der Vorst 03.02.2026 33min

  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
• Modernizing mid-tier banks and building societies with Woodhurst's Ben Nadel 27.01.2026 37min

  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
• What happens to private banking when Gen Z inherits the world with Rom Atapattu 20.01.2026 40min

  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
• Modernizing mutuals: building relationships in a digital world with The Cumberland's Susanne Parry 13.01.2026 21min

  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
• Inside the new private client model: AI, advisors, and unified wealth 06.01.2026 31min

  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
• Bridging the gap: inside BDO Unibank’s “phygital” transformation with RJ de la Cruz & Levy Mariñas 30.12.2025 31min

  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
• The hybrid wealth journey: expanding access to holistic advice with Danske Bank’s Mindaugas Vaičiulis 23.12.2025 34min

  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
• Why Africa won't miss the AI revolution with George Njuguna 16.12.2025 45min

  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