In this conversation, Eleni and Frank Schwab discuss the future of banking as outlined in his book '42 Megatrends'. They explore the concept of mega trends, their impact on the banking industry, and how leaders can adapt to these changes. Frank emphasizes the importance of understanding and acting on mega trends like AI, blockchain, and customer-centric approaches, while also considering the human aspects of digital transformation. The discussion includes insights on how banks can remain agile amidst regulatory challenges and the lessons fintech startups can learn from established banks.