In this episode, we explore what it really takes to deliver banking transformation at scale, through a practical conversation with Nevenka Kajtna, Banking Products Delivery General Manager at NLB Komercijalna banka. Drawing on hands-on experience leading product delivery, operations, and large transformation initiatives, Nevenka shares how banks can modernize in fast-moving markets by focusing as much on people and processes as on technology. The discussion spans modernization, agile delivery, cultural change, and the responsible use of AI in banking. Key learnings and takeaways: Transformation beyond technology: Why successful modernization starts with mindset, culture, and ways of working, not just new systems Agile delivery in traditional banks: How breaking work into smaller, outcome-driven initiatives builds momentum and accelerates value People as the catalyst for change: The importance of engaging frontline teams, empowering champions, and listening to the quietest voices in the room AI in banking operations: How NLB Komercijalna banka is using AI and automation to improve efficiency, reduce processing time, and deliver measurable results Human-in-the-loop governance: Why responsible AI adoption requires strong controls, transparency, and human oversight Whether you’re a banking leader, product or operations executive, or digital transformation professional, this episode offers practical insight into how banks can modernize responsibly while building trust, efficiency, and long-term value. #DigitalTransformation #OperationalResilience #FintechOS #AIinBanking #BankingTechnology #AgileDelivery #ResponsibleAI