Banking Reinvented
In the weekly “Banking Reinvented” podcast, host Tim Rutten welcomes senior executive changemakers from around the globe, unpacking what works and what doesn’t. You’ll learn how banks can harness the power of AI to drive remarkable growth while setting themselves free from their legacy systems, clunky processes, and status-quo thinking. Tune in each week to get valuable insights into the future of banking.
Episodes
How fragmented banking systems became fraud's best weapon, with Feedzai’s Pedro Bizarro
Pedro Bizarro has spent 15 years building the AI systems banks use to make real-time decisions on billions of transactions. As Co-Founder and Chief Science Officer at Feedzai, he has seen what responsible AI requires.In this episode of Banking Reinvented, Pedro joins host Tim Rutten to make the case that safety, fairness, and accuracy in AI are engineering decisions made at the start of the build,
Why simplicity wins in banking transformation: Dirty data, feature parity, and the wild west of AI with Aequilibrium’s Adrian Moise
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
High-touch, high-stakes: rethinking client relations in investment banking with Fatima Mansoor
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 clie
The UK's largest fintech transformation with Lloyds Banking Group's Suresh Balaji
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 throug
Rethinking banking modernization: navigating complexity and unlocking growth, with Eugene Denny, Lila Canaj and Illia Dragan
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
From fragmented to unified: making AI work in wealth & private banking with Jules Bordat
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 r
Hollowing out the core: the case for an AI-native operating model, with Dharmesh Mistry
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'
Banks must redesign operations and jobs, not just deploy AI, with Wessel Oosthuizen from Deloitte
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 aroun
Separating hype from reality of AI in banking, with Marcus Martinez, Kanishka Bhattacharya, and Dave Murphy
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 Bhattacha
Purpose as a growth engine: Why purpose-driven institutions should think bigger, with Leek Building Society's CEO Andy Deeks
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 di
When legacy systems meet modern payments: AI transformation and SEPA insights with CREDINS Bank's Valbona Dhjaku
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 T
The M&A shift: how banks move from risk management to revenue growth, with West Monroe's Brett Mastalli and Nate Porter
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
Human, by design: what makes great wealth management today with Reham Sabri
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 Ban
Why curiosity beats growth mindset: rethinking innovation in banking's AI era with Rabobank's Roland van der Vorst
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, the
Modernizing mid-tier banks and building societies with Woodhurst's Ben Nadel
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 import
What happens to private banking when Gen Z inherits the world with Rom Atapattu
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 tr
Modernizing mutuals: building relationships in a digital world with The Cumberland's Susanne Parry
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, th
Inside the new private client model: AI, advisors, and unified wealth
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 shar
Bridging the gap: inside BDO Unibank’s “phygital” transformation with RJ de la Cruz & Levy Mariñas
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.
The hybrid wealth journey: expanding access to holistic advice with Danske Bank’s Mindaugas Vaičiulis
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 digi
Why Africa won't miss the AI revolution with George Njuguna
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 re
Asian banking’s wake-up call: talking AI, trust, and ecosystems with Chinabank’s Doc Jay Sabido
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 ba
AI, payments, and the future of commercial banking with HSBC Innovation Banking’s Ad van der Poel
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+ ye
Banking beyond borders: Strategy&’s Michał Kurowski on the future of embedded finance
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 produc
Banking's business model shift: core modernization meets AI with Panagiotis Kriaris from Unzer
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
From deterministic models to autonomous intelligence: Swarm Dynamics’ Sam Ahmed on AI’s banking revolution
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 r
Deepfakes, fraud factories, and the future of banking: insights from Feedzai’s Nuno Sebastião
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 w
AI, embedded finance, first principles, and the 2026 outlook in APAC banking with David Jimenez Maireles
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 bank
The speed-trust tradeoff in commercial banking with PTap Advisory’s Peter Tapling
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
The modernization imperative: AI, ASEAN growth, and resilient banking with Cyrus Daruwala
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 regula
Rethinking treasury and trade in commercial banking with Koenigsberg Insights’ Alan Koenigsberg
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.Fo
The AI amplifier effect in banking: driving innovation in a highly regulated industry
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 share
AI-native banking: from incremental steps to transformational leaps
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 chal
Modernizing money movement in commercial banking with Fifth Third Bank’s Jessika Wood
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 ecos
From transactional to transformational sales in commercial banking with The Modern Banker’s Jack Hubbard
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 ele
From biometrics to breakthrough CX: payment modernization tips from Entrust’s Tony Ball
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 s
Designing for growth in commercial banking with Jennifer Wilson
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 n
Embedded finance, AI-powered relationships, and the race to transform commercial banking
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 ar
From innovation theater to growth engine in commercial banking with Alloy Labs’ JP Nicols
In this first episode of our commercial banking takeover, JP Nicols of Alloy Labs joins guest host Alex Jimenez to explain how commercial banks can move beyond superficial innovation efforts and start delivering real business outcomes. Learn how frameworks like FIRE™, strategic partnerships, and cultural alignment can transform innovation into a true growth engine. Practical, proven, and no fluff.
Resilience through strategic digital transformation: a discussion with SGBL’s Sleiman Louis Maaraoui
Episode 66 of Banking Reinvented shares the story of Société Générale de Banque au Liban (SGBL), a Lebanon-based bank that has been successfully navigating an unprecedented economic crisis through strategic digital transformation.Host Tim Rutten is joined by Sleiman Louis Marouii, Deputy General Manager at SGBL, for an in-depth discussion about how implementing a digital banking platform on top of
The growth mindset: scaling innovation through people, not just tech
Recorded live at Backbase ENGAGE Americas, episode 65 of Banking Reinvented is a panel discussion that covers one of the most human questions in digital transformation: how do we scale innovation not just through technology, but through people?In this episode, moderator Robert Soetens is joined by some of North America’s banking leaders, including T.J. Steele (Eastern Bank), Christina Buono (Natio
Leapfrog your legacy tech: the value of a unified banking suite
Episode 64 of Banking Reinvented analyzes the value of a unified banking suite, revealing how financial institutions can break free from siloed legacy systems and create truly customer-centric digital experiences, powered by AI.In this episode, host Tim Rutten is joined once again by Backbase Founder & CEO Jouk Pleiter to discuss how a single, integrated platform can transform sales, servicing
Modernizing without limits: how banks and credit unions are reimagining transformation
Recorded live at Backbase ENGAGE Americas, episode 63 of Banking Reinvented features a panel discussion about the best ways to modernize without rewriting or replacing your entire tech stack.In this episode, moderator Jan Rempe is joined by some of the region’s top thought leaders: Justin Zeidman (Navy Federal Credit Union), Alicia Stone (KeyBank), Fred Fuller (Endava), and Andy Cease (Entrust). T
Creating institutional elegance: insights from Nedbank Private Wealth International’s Stuart Cummins
Episode 62 of Banking Reinvented explores the evolving role of technology in private wealth management and how institutions can strike the right balance between innovation, compliance, and human connection.Host Tim Rutten sits down with Stuart Cummins, Chief Executive of Nedbank Private Wealth International, to discuss how technology is reshaping the sector, not just as an enabler, but as a strate
Thriving through mergers & acquisitions in U.S. banking
Recorded live at Backbase ENGAGE Americas, Episode 61 of Banking Reinvented is a panel discussion that deep-dives into mergers and acquisitions, which aren’t just accelerating — they’re becoming a defining feature of the modern financial landscape.In this episode, moderator Alex Jimenez is joined by an all-star panel of M&A experts, including Carla Higgins (CNB Bank), Sumeet Grover (UFCU), Osm
Leadership, ownership, and AI banking strategy: a conversation with BSF’s Abdullah Alwabel
In the second episode of this two-part series, host Tim Rutten and Abdullah Alwabel, Head of Digital Banking and Innovation at BSF, shift the discussion from ambition to execution.From prioritizing the right features to applying AI where it actually delivers value, Abdullah shares how leadership clarity and internal ownership helped turn strategy into results at BSF. For digital leaders navigating
Vision 2030 in motion: leading change in Saudi banking with BSF’s Abdullah Alwabel
In the first episode of this two-part series, host Tim Rutten sits down with Abdullah Alwabel, Head of Digital Banking and Innovation at BSF, to unpack one of the most ambitious digital transformations in the region.From core modernization to platform replacement, BSF's journey reflects a bold, urgent, customer-first strategy grounded in Saudi’s Vision 2030, a strategic framework for societal tran
Rethinking commercial banking: navigating complexity & unlocking growth
Recorded live at Backbase ENGAGE Americas, Episode 58 of Banking Reinvented shares a panel discussion about the growth opportunity of commercial banking, featuring insights from some of North America’s top digital leaders.In this episode, moderator Arun Ramamoorthy is joined by Christine Martin (EverBank), Jessika Wood (Fifth Third Bank), and Shannon Lambert-Habermehl (BOK Financial) for an in-dep
Mergers, modernization, & momentum: customer-centric growth tips from MyState’s Brett Morgan
Episode 57 of Banking Reinvented explores how MyState Bank is building sustainable, customer-centric growth through progressive modernization and cultural discipline.Host Tim Rutten is joined by Brett Morgan, CEO and Managing Director of MyState Bank, who shares firsthand insights into scaling a regional bank into a national player. The conversation covers MyState’s ambitious strategy to grow beyo
Asia’s path to future-ready banking: boardroom insights from EY’s Ravi Kittane
Episode 56 of Banking Reinvented covers how financial institutions across Asia are addressing the urgent need to become future-ready, fast.Host Tim Rutten is joined by Ravi Kittane, Partner, Financial Services at EY in Malaysia, who shares boardroom-level insights into why digital transformations fail — and how banks can succeed with a disciplined, modular approach. Together with perspectives from
AI in banking: scaling innovation, driving growth, and enhancing operations
Recorded live at Backbase ENGAGE Americas, Episode 55 of Banking Reinvented is a panel discussion about overcoming AI implementation hurdles and seizing the massive opportunity that this cutting-edge tech presents.In this episode, host Tim Rutten sits down with Brian Shniderman (Accenture), Kathleen Woodard (Microsoft), and Larry Lerner (McKinsey) to explore real-world AI applications, from intell
Banking modernization in the era of AI: a chat with KeyBank’s Alicia Stone
Recorded at Backbase ENGAGE Americas, Episode 54 of Banking Reinvented delves into the complex landscape of digital transformation, particularly the increasingly important role of artificial intelligence (AI).In this episode, host Tim Rutten welcomes special guest Alicia Stone, Senior Vice President and IT Director at KeyBank. The two discuss the challenges of transforming traditional financial in
Enabling instant gratification: crafting superior member experiences with UFCU’s Sumeet Grover
Recorded at Backbase ENGAGE Americas, episode 53 of Banking Reinvented explores University Federal Credit Union’s (UFCU) member-centric approach to digital transformation and innovation.In this episode, host Tim Rutten is joined by special guest Sumeet Grover, EVP, Chief Strategic Growth & Digital Officer at UFCU. Together, they chat about the importance of exceeding member expectations at eve
Commercial banking, evolved: a chat with EverBank’s Christine Martin & Vincent Ford
Recorded at Backbase ENGAGE Americas, episode 52 of Banking Reinvented is a deep dive into the rapidly changing commercial banking landscape — and how EverBank is adapting alongside it.In this episode, host Tim Rutten is joined by two special guests: EverBank’s Christine Martin (Head of Treasury Management) and Vincent Ford (SVP, Digital Platform Manager). Together, they chat about how modern bank
Agents of change: inside banking’s Agentic AI shift with Accenture’s Brian Shniderman
Recorded at Backbase ENGAGE Americas, Episode 51 of Banking Reinvented explores the massive opportunities that AI is presenting the banking industry — and the importance of acting now.In this episode, host Tim Rutten is joined by special guest Brian Shniderman, Senior Managing Director at Accenture and Head of Accenture’s North American Payments Practice. Together, they dissect the various stages
Code smarter, not harder: AI in the banking software development lifecycle
Episode 50 of Banking Reinvented covers how your financial institution can super-charge its software development lifecycle (SDLC) with a hyper-effective new partner: agentic AI.This time around, host Tim Rutten is joined by Luca Mastrini, Global Vice President of Engineering Services at Backbase, for a conversation about the major developments in the banking SDLC over the last decade and the massi
Disrupt or be disrupted: why Backbase is doubling down on banking AI
Episode 49 of Banking Reinvented explores how Backbase is going all-in on AI — and why banks across the world need to do the same.In this episode, host Tim Rutten is joined once again by Backbase Founder & CEO Jouk Pleiter for a discussion about the recent launch of the AI-powered Banking Platform. Together, they dissect the reasoning behind the strategic pivot, including details about wide-re
Smarter, faster, better banking: the case for business process orchestration
Episode 48 of Banking Reinvented explores the potential of business process orchestration — the strategic coordination of multiple automated processes — including opportunities, blockers, and first steps.This time around, host Tim Rutten is joined by Robert Soetens, Vice President of Product at Backbase. Together, they distinguish between business process orchestration and more straightforward pro
The evolution of digital banking in Mexico: a discussion with Banorte’s Francisco Martha
Episode 47 of Banking Reinvented is packed with insights about the past, present, and future of banking in Mexico, straight from one of Latin America’s top industry thought leaders.This time around, host Tim Rutten welcomes special guest Francisco Martha, General Director of Digital Business Development at Grupo Financiero Banorte. Together, they discuss the evolution of Mexican digital banking ov
Scaling high-touch service: wealth management insights with Bain’s Sjors van der Zee
Episode 46 of “Banking Reinvented” dives into the evolving world of wealth management, where new client demands, shifting market dynamics, and tech-native competitors are redefining the rules of engagement.In this episode, host Tim Rutten is joined by special guest Sjors van der Zee, Partner at Bain & Company, to explore how wealth managers can stay relevant in a world where digital-first play
Building unified APIs and the power of MCP/A2A in Agentic development
Episode 45 of Banking Reinvented is all about the real challenges that financial institutions face during their API modernization journeys — as well as the best path forward.This time around, host Tim Rutten is joined by Deepak Pandey, Backbase’s Vice President of Technology, for a tech deep-dive that covers everything from key factors that block developer agility to harnessing the potential of Ag
Mergers & acquisitions in banking: tackling key growth and integration puzzles
Episode 44 of “Banking Reinvented” explores the growing global trend of mergers and acquisitions (M&As) — including strategies for navigating challenges and ensuring successful execution.In this episode, host Tim Rutten is joined again by Backbase’s Mayur Vichare, VP Value Consulting & GTM Lead. They discuss the current M&A landscape, analyzing common pitfalls related to growth and int
Unlocking growth mode: the next frontier in digital transformation
Episode 43 of “Banking Reinvented” is all about tapping into “growth mode,” a hot topic in the industry and one that will become increasingly important in the years to come.In this episode, host Tim Rutten is once again joined by Backbase Founder & CEO Jouk Pleiter as they sit down to discuss strategies for efficient growth that’s not tied to costly customer acquisition. Together, they explore
How to do banking differently: change management insights from Jim Marous
Episode 42 of “Banking Reinvented” concludes the two-part series featuring global banking influencer Jim Marous, Owner & Host of the “Banking Transformed” podcast, Owner & CEO of the Digital Banking Report, and Co-Publisher of The Financial Brand.This time around, Jim rejoins host Tim Rutten and Backbase Founder & CEO Jouk Pleiter as they dive deeper into key strategies for managing ch
The state of banking in the US: a chat with Jim Marous
Episode 41 of “Banking Reinvented” kicks off a two-part series featuring global banking influencer Jim Marous, Owner & Host of the “Banking Transformed” podcast, Owner & CEO of the Digital Banking Report, and Co-Publisher of The Financial Brand.Jim joins host Tim Rutten and Backbase Founder & CEO Jouk Pleiter for a discussion about the state of banking in the US — including tips for ov
Banking with the human touch: a conversation with Arbuthnot Latham’s Dan Dagg
Episode 40 of Banking Reinvented examines the importance of the human touch in banking — and how financial institutions can complement it with cutting-edge technology.In this episode, host Tim Rutten is joined once again by Backbase Founder & CEO, Jouk Pleiter, as well as Dan Dagg, Chief Operating Officer at Arbuthnot Latham. Together, they discuss supercharging relationship managers with AI a
Women driving the fintech revolution: banking challenges, opportunities, and next steps
Episode 39 of Banking Reinvented, recorded live at ENGAGE Dubai, brings together the women shaping the future of fintech across the Middle East, Africa, and beyond — sharing their insights on how inclusivity, resilience, and leadership can redefine the industry. In this episode, panel host Heidi Custers (Backbase) sits down with inspiring banking leaders Likeleli Monyamane (Standard Bank Group), G
From heritage to high-tech: reinventing building societies for the digital era
Episode 38 of “Banking Reinvented” explores how building societies in the United Kingdom are staying competitive by blending traditional approaches with cutting-edge digital tech.In this episode, host Tim Rutten and Backbase Founder & CEO Jouk Pleiter are joined by Simon Broadley, Chief Commercial Officer at Furness Building Society. Together, they explore how building societies can innovate w
Disrupting the disruptors: how banks are taking on fintech
Episode 37 of “Banking Reinvented,”which was recorded live at ENGAGE Dubai, explores how neobanks are challenging traditional institutions with agile, customer-centric models — as well as how banks can fight back.In this episode, panel host Ali Nanji is joined by some of the top minds in Middle Eastern and African banking: Dr. Ahmed Darwish Elsayed (Bank Al Bilad), Abdullah Alwabel (BSF), Sherif E
Beyond the hype: real-world applications of AI in banking
Episode 36 of Banking Reinvented, which was recorded live at ENGAGE Dubai 2024, explores how financial institutions in the Middle East, Africa, and beyond are navigating the unique challenges of AI adoption.Host Tim Rutten is joined by Backbase’s Thomas Fuss, Henning Soller from McKinsey & Company, and Yasar Yilmaz from Microsoft. Together, they discuss everything from Agentic AI to future pre
Successfully implementing AI in banking: what’s working, what’s not, and what’s next
Artificial intelligence (AI) is expected to bring billions of dollars of value to the banking industry — yet while many banks are running experiments, few have successfully put them into practice.In this episode ofBanking Reinvented, host Tim Rutten and Backbase Founder & CEO Jouk Pleiter are joined by special guest Henning Soller, Partner at McKinsey & Company. Together, they examine key
Retail banking’s next chapter: primacy, personalization, and digital transformation
Episode 34 of Banking Reinvented explores the changing landscape of retail banking and how banks can secure long-term profitability.
Host Tim Rutten and Backbase Founder/CEO Jouk Pleiter are joined by special guest Max Flötotto, Senior Partner at McKinsey & Company, who is co-leading the firm's Retail and SME Banking work globally. Together, they examine the current state of retail banking
Beyond IT: how CTOs are shaping strategic leadership in banking
Episode 33 of Banking Reinvented explores digital transformation in banking, highlighting how platform-centric thinking and strategic CTOs are key to driving long-term growth.
In this episode, host Tim Rutten is joined by Mayur Vichare, Director of Strategy & Value Consulting at Backbase. Together, they discuss why banks need to transition from product-centric to platform-centric strategies, a
Harnessing the untapped potential of open finance in 2025: a discussion featuring Forrester
Episode 32 of Banking Reinvented wraps up the three-part series covering Forrester’s Predictions 2025 report for banking, exploring the transformative potential of open finance and its implications for banks worldwide.Host Tim Rutten and Founder/CEO Jouk Pleiter conclude their discussion with guest speaker Huard Smith, Principal Analyst at Forrester, by looking into platform banking, embedded fina
Digitally transforming to achieve operational excellence in 2025: a discussion featuring Forrester
Episode 31 of Banking Reinvented is the second in a three-part series about Forrester’s Predictions 2025 report for banking, this time focusing on the challenges and opportunities in achieving operational efficiency.
Host Tim Rutten and Backbase Founder/CEO Jouk Pleiter continue their discussion with guest speaker Huard Smith, Principal Analyst at Forrester, exploring how emerging technologies lik
Tackling the erosion of banking customer experiences in 2025: a discussion featuring Forrester
Episode 30 of Banking Reinvented is the first in a three-part series exploring Forrester’s Predictions 2025 report for banking.
In this episode, host Tim Rutten is joined by Backbase Founder and CEO Jouk Pleiter, as well as guest speaker Huard Smith, Principal Analyst at Forrester. Together, they discuss one of Forrester’s predictions for 2025: the continuing decline of banking customer experience
The new AI wave in banking operations: a discussion with Microsoft
Episode 29 of Banking Reinvented takes a closer look at how generative AI and agentic architectures are not just tools for efficiency but essential drivers for rethinking operations and enabling innovation in banking.
Tim Rutten welcomes Kathleen Woodard, who leads Microsoft’s industry advisory team for banking in the Americas. They discuss AI’s role in streamlining workflows, improving operationa
AI, open finance, and the future of customer engagement: Backbase’s predictions for banking in 2025
Episode 28 of Banking Reinvented shares 6 trends that will impact the banking landscape in 2025 — and beyond.
In this episode, host Tim Rutten is once again joined by Backbase Founder and CEO, Jouk Pleiter. Together, they discuss the company’s top 6 predictions for banking in 2025, including everything from the rise of AI-driven recommendation engines to the global expansion of open finance and th
How WSECU is transforming member experiences with its digital-plus strategy
Episode 27 of Banking Reinvented explores how WSECU, a US-based credit union, is delivering more personalized member experiences by adopting a digital-plus approach.
In this episode, host Tim Rutten sits down with Ryan Brooks, Chief Digital Officer at WSECU, to discuss how the credit union balances human and digital services to meet evolving member expectations – with the help of Backbase’s Engage
Bridging digital gaps in wealth management: how to keep up with client expectations
Episode 26 of Banking Reinvented explores the evolving landscape of private banking and wealth management, focusing on how financial institutions can address shifting customer expectations.
In this episode, host Tim Rutten sits down with Lennart Asshoff, Product Director of Wealth at Backbase, to discuss how private banks and wealth managers can complement traditional, relationship manager-drive
Recommended
0xResearch
10000 MINUTES
1000 Things You Should Know
1000x
1001 Classic Short Stories & Tales
1001raah | هزار و یک راه
1001 Sherlock Holmes Stories & The Best of Sir Arthur Conan Doyle
1001 Songs That Make You Want To Die
100 Famous Dogs
#100MasterCoaches with Mel Leow, MCC
100% Mixtape Podcast
100 With The Hunter's
