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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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.
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Timestamps
(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
In the fourth episode of our commercial banking takeover, Jessika Wood, SVP of Commercial Payment Products at Fifth Third Bank, joins guest host Alex Jimenez to explore how banks can simplify complexity and scale growth through smarter commercial payments. With insights from fintech and traditional banking, Jessika shares what it takes to move from siloed services to integrated money movement ecosystems.
Looking to reshape your bank’s payments strategy? Visit our content hub for deeper insights on commercial innovation.
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Timestamps
(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover
(01:00) – The biggest disconnect between client needs and actual experiences
(06:17) – Friction that’s holding back commercial payment innovation
(09:24) – The changing expectations of commercial payments buyers
(14:48) – Structuring your portfolio to simplify complexity
(16:28) – Aligning product with compliance and growth
(21:03) – Key factors that enable growth
(24:43) – Building relationships between bankers and product leaders
(26:54) – Keeping teams focused on value delivery
(30:18) – The future of commercial payments
(31:44) – Building a commercial payments experience from scratch
(33:26) – Skillsets needed to grow payments franchises
(36:34) – Key takeaway from Jessika
(36:50) – Episode wrap-up
In the third episode of our commercial banking takeover, Jack Hubbard of The Modern Banker joins guest host Alex Jimenez to talk about modernizing the commercial banking sales playbook. From trust-based selling and power questions to effective second meetings and blended outreach strategies, this episode is a masterclass in how to sell through conversation, not pressure.
Want practical tools to elevate your commercial sales game? Head to our content hub for more expert interviews and actionable insights.
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Timestamps
(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover
(00:57) – Timeless principles that banks accidentally ignore
(04:55) – The evolving role of commercial relationship managers
(08:56) – The mindset shift required to meet modern buyer expectations
(15:46) – The importance of trust-based selling
(21:53) – Factors that kill sales momentum
(25:00) – Using LinkedIn to land meetings
(29:50) – Successfully coaching your teams for success
(33:38) – Mastering hybrid selling models
(37:03) – Old-school habits that work (and others that don’t)
(39:32) – Jack’s advice for the new generation of bankers
(40:44) – Jack’s key takeaway
(41:03) – Episode wrap-up
Episode 70 of Banking Reinvented explores the future of payments modernization and digital identity in banking, as financial institutions race to meet rising customer expectations for seamless, secure experiences.
Host Tim Rutten welcomes Entrust’s Tony Ball, President of Payments and Identity, as well as incoming CEO, for an in-depth conversation on how banks can re-architect their operations to stay ahead in a rapidly evolving landscape. Together, they discuss the critical role of biometrics, tokenization, and advanced fraud engines in building trust and delivering instant, digital-first experiences, as well as the challenges posed by AI-powered fraud actors, and the need to balance innovation with security.
Tune in to get actionable strategies for implementing next-gen payment solutions, fostering a growth mindset, and ensuring your bank is ready for the demands of tomorrow's digital economy.
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Timestamps
(00:00) – Welcome to the “Banking Reinvented” podcast
(00:29) – Introduction to Tony and Entrust
(02:43) – The “credit crunch” in North America
(04:53) – Rethinking CX in the payments modernization space
(07:06) – AI-driven fraud vs. AI-powered fraud prevention
(12:56) – Meeting customer expectations for payments
(18:53) – Foundational capabilities for new-gen payments experiences
(24:24) – Compliance teams and the growth agenda
(26:57) – Payments modernization learnings from Tony
(31:27) – Key takeaways
(34:12) – Final thoughts from Tony
(36:38) – Episode wrap-up
In the second episode of our commercial banking takeover, Jennifer Wilson, former Chief Digital Officer at Western Alliance Bank, shares how commercial banking teams can use UX and digital strategy to drive measurable acquisition and retention. Guest host Alex Jimenez guides a conversation on design thinking, reducing friction, and what real transformation looks like when banks focus on customer needs instead of internal assumptions.
Explore more stories of digital leadership and strategy in commercial banking. Visit our content hub for blogs, episodes, and exclusive resources.
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Timestamps
(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover
(00:54) – What commercial banks overlook when designing digital experiences
(04:54) – Biggest friction in the commercial customer lifecycle
(06:23) – The most broken part of the commercial banking journey
(07:37) – The boldest digital transformation bets that pay off
(10:16) – Getting risk teams involved from the start
(12:43) – Using design thinking to shape products and services
(14:54) – What real digital transformation looks like
(16:58) – When digital strategy gets stuck in the middle
(20:10) – Balancing innovation with risk management
(22:18) – Using AI to personalize and bring humanity back to tech
(27:46) – What’s next on the AI horizon for commercial banks
(31:09) – The mindset shift to unlock growth mode
(33:21) – Key takeaways
(34:19) – Episode wrap-up
Episode 68 of Banking Reinvented explores the existential imperative that commercial banks face as they navigate the rise of embedded finance and the transformative power of AI.
Host Tim Rutten is joined by Arun Ramamoorthy, Product Director - Head of Commercial Banking at Backbase. Together, they discuss how demographic shifts, fintech competition, and the evolving role of relationship managers are reshaping the commercial space, including practical steps banks must take to stay ahead of the competition.
Tune in to hear why commercial banks must embrace embedded finance and AI-powered relationships, plus how forward-thinking financial institutions can turn these challenges into opportunities for growth, innovation, and long-term relevance.
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Timestamps
(00:00) – Welcome to the “Banking Reinvented" podcast
(00:48) – Introduction to Arun
(02:19) – JPMorgan Chase’s fintech data announcement
(04:50) – The urgency of commercial banking’s digital transformation
(10:15) – Key hurdles for commercial banks
(13:01) – The importance of embedded finance
(16:10) – Transforming high-margin services
(17:32) – Overcoming silos with AI
(23:42) – Empowering relationship managers with AI
(27:56) – Balancing digital transformation with AI transformation
(32:25) – Key takeaways
(34:28) – Episode wrap-up