Shows
Banking on InnovationEpisode 22 - Dennis Khoo - Author, Driving Digital Transformation and the allDigitalFuture Playbook (taP), Managing Partner, allDigitalfuture LLPIn this episode of Banking on Innovation, Dr. Dennis Khoo, former head of UOB's TMRW Digital Bank — joins Jody Bhagat, President of Global Banking at Personetics, to discuss how banks in Asia-Pacific can thrive. With competition rising and customer expectations soaring, Dennis explains why execution, engagement and Cognitive Banking are essential for long-term success. Key Takeaways: Why challenger banks must deliver end to end Asia Pacific’s fast-changing digital banking landscape The pyramid of transformation: From transactions to predictive engagement How to turn data into intelligent, proactive service Whether you’re a bank execu...2025-07-0233 min
Banking on InnovationEpisode 21 - Nathalie Larue, Executive Vice President, Personal Services, Desjardins GroupDesjardins EVP Nathalie Larue shares how empathy, AI, and member-first values are transforming digital banking. Watch the full Banking on Innovation episode. In this episode of Banking on Innovation, Nathalie Larue, EVP and Head of Personal Banking at Desjardins Group, joins Jody Bhagat, President of Global Banking at Personetics, for a compelling conversation on how to bring the human touch to digital banking. Desjardins is North America’s largest financial cooperative, serving nearly 8 million members. As digital transformation accelerates across the industry, Nathalie shares how Desjardins is staying true to its values—using tools like Alvi...2025-05-2233 min
Banking on InnovationEpisode 20 - David M. Brear Global CEO, 11: FSIn this episode of Banking on Innovation, David M. Brear, CEO of 11:FS, joins Jody Bhagat, President of Global Banking at Personetics, to share his bold vision for the future of banking. As customers demand more personalized, value-driven engagement, banks must move beyond product promotions to deliver intelligent, contextual experiences. This conversation dives deep into how Cognitive Banking enables that shift—and why the time to act is now. Key Takeaways: Why fintechs have been winning on relevance, agility, and trust How banks can compete by delivering outcomes—not just products Real-time...2025-04-3040 min
Banking on InnovationEpisode 19 - Jim Marous, Owner & Host - Banking Transformed Podcast, Co-Publisher - The Financial BrandBanking influencer Jim Marous joins Jody Bhagat to discuss how institutions can move beyond basic personalization to create truly personal customer relationships. Learn why the biggest threat to banks isn't account closure – it's "silent attrition" as customers quietly shift their most profitable activities elsewhere. Key Topics: 0:00 - Introduction 1:45 - The trust-action gap in banking 4:30 - Moving from perfect to professional 8:15 - Understanding silent attrition 12:20 - Beyond products to customer jobs 16:45 - Making di...2025-04-0338 min
Banking on InnovationEpisode 18 Firdaus Bhathena, Chief Technology Officer at FISFIS CTO Firdaus Bhathena shares his vision for the future of banking in an exclusive conversation with Personetics. Learn how personalization, AI, and data are completely changing banking experiences and making financial guidance accessible to everyone. Key topics: Why personalization is no longer optional in banking How banks can integrate naturally into customers' daily lives The importance of explaining the 'why' behind financial recommendations Making professional-grade financial guidance available to all 2024-12-0541 min
Banking on InnovationEpisode 17 Maurizio Poletto, Chief Platform Officer at Erste GroupJoin us for an enlightening interview with Maurizio Poletto, Chief Platform Officer at Erste Group, as he shares his remarkable journey of envisioning and bringing to life a next-generation banking platform – George – that reconnects people to their finances.In this captivating conversation, Maurizio delves into the critical role of user-centric design in crafting intuitive banking experiences and discusses the pivotal role of technology in shaping the future of finance. Gain insights into Erste Group's visionary approach to redefining banking for the digital age and learn how they are empowering customers with personalized financial experiences tailored to their indi...2024-03-2138 min
Banking on InnovationEpisode 16 Colin Walsh, Founder & CEO of Varo BankJoin us for an insightful interview with Colin Walsh, CEO of Varo Bank, as he shares profound insights into Varo's mission and innovative approach to banking. In this interview, Colin reflects on his extensive experience in the banking industry, from executive roles at Wells Fargo, Lloyds, and American Express to spearheading the creation of Varo Bank, the nation's first all-mobile nationally chartered bank.Colin discusses Varo's commitment to addressing the needs of the underserved majority, highlighting the realities of paycheck-to-paycheck living in America and Varo's pivotal role in providing financial stability and opportunity. Di...2024-03-0750 min
Banking on InnovationEpisode 15 Brent Beardall, President and CEO at WaFd BankJoin us for an inspiring conversation with Brent Beardall, CEO of WaFd Bank, as he shares profound insights on leadership, customer centricity, and the role of technology in banking today. Less than a year after surviving a near-fatal plane crash, Brent reflects on how his perspective on life and business has evolved. Learn from his experiences and discover valuable takeaways for building a culture of care and customer trust, navigating industry challenges, and envisioning client experiences that customers will love. Don't miss this opportunity to gain wisdom from a leader who blends technological innovation with humanity and wisdom.2024-02-1440 min
Banking on InnovationEpisode 14 Meheriar Hasan, BRAC Bank ChairpersonThis week’s guest on Banking on Innovation is Meheriar Hasan, Chairman of BRAC Bank in Bangladesh.With over 35 years of experience at prominent banks such as Wells Fargo and US Bank, Hasan is a leading executive in digital banking having driven breakthrough innovation and transformative disruptions. Hasan believes in the idea of customer-centricity. He asks how he can deliver the best customer experience in service or sales and how the customer wants to engage and interact with banking personnel. Today, at BRAC Bank, Hasan is growing both deposits and loans, working with the underprivileged and underbanked.2024-01-3128 min
Banking on InnovationEpisode 13 Tom Brown, CEO and Founder of Second Curve Capital LLCIn this episode of the "Banking on Innovation Podcast," host Jody Bhagat interviews Tom Brown, CEO of Second Curve Capital, an equity investment firm focused on financial services, and one of the most thoughtful industry experts in the area of bank strategy. A highly respected figure in the banking industry, Tom has extensive experience, unique access to bank CEOs and is a nine-time top-rated bank analyst who publishes the influential Tom Brown Weekly newsletter.In his discussion with Jody, Tom shares insights into the Second Curve model and describes what sets it apart in the market. He...2023-07-1226 min
Banking on InnovationEpisode 12 Chris Creed, Chief Investment Officer, US Dept. of Energy’s LPOThis episode of the Banking on Innovation podcast features Chris Creed, the Chief Investment Officer of the Department of Energy's Loan Program Office (LPO). The LPO, which was established in 2005, plays a crucial role in accelerating emerging climate sustainability technologies that are likely to be important for the country's future.Chris explained that the little-known LPO offers senior debt to address financing challenges of sustainable energy projects through several loan programs. It aims to enable and accelerate commercialization of energy technologies and projects that are still too risky to qualify for commercial loans but once successful, are...2023-06-2135 min
Banking on InnovationEpisode 11 Keneth Meyer, Chief Information & Experience Officer at TruistIn this episode of the Banking on Innovation podcast, we welcome in Ken Meyer, Truist Bank’s Chief Information and Experience Officer for Consumer Products. Those twin titles have meaning for Ken, who sees his job as bringing tech “forward” in the bank at Truist, to where it can markedly improve the customer experience. “That mix (of tech and customer experience) has always been something that’s fascinated me,” Ken told us on the podcast. “It’s something that drove my focus: Making sure we can really translate what our technical capabilities are and pull them forward...2023-04-2035 min
Banking on InnovationEpisode 10 Lindsey Johnson, President & CEO of Consumer Bankers AssociationThis week on Banking on Innovation, we will view banking and customer innovation through a completely different lens. Our guest is the recently appointed CEO of Consumer Bankers Association (CBA), Lindsey Johnson.CBA is the only banking association in the US focused exclusively on consumer retail issues. Its members include America’s largest bank holding companies as well as regional and community banks, giving it a unique perspective on, and influential role in, the issues confronting the industry. In the face of rapidly evolving technology and customer expectations, it’s critical that the industry and lawmakers collaborate to prom...2023-02-1629 min
Banking on InnovationEpisode 9 Todd Lane, President & CEO of California Coast Credit UnionThis week’s guest on Banking on Innovation is Todd Lane, President and CEO of California Coast Credit Union, a $3.6 billion credit union based in San Diego.Todd was appointed Chief Financial Officer of Cal Coast in 2009 and has served as president and CEO since 2015.Although Cal Coast is a relatively local credit union, serving nearly 200,000 members who live or work in San Diego or Riverside counties, Todd argues that it must be ambitious in its vision:“The credit union market in California is very unique, and that plays into the approach that we ar...2023-02-0228 min
Banking on InnovationEpisode 8 Harit Talwar, Former Global Head of Marcus by Goldman SachsThis week’s guest on Banking on Innovation is Harit Talwar, who in 2015 joined Goldman Sachs to establish Marcus and build a differentiated consumer business.Marcus went on to become of the most impactful challenger banks in history, offering financial products known for their simplicity and transparency. To date it has around 16 million retail customers, more than $120 billion in consumer deposits and revenues in the $1.5-$2 billion range.Although few people believed that true innovation could come from within a 150-year-old institution, one of Marcus’s advantages was precisely its heritage.“Regulatory compliance, risk m...2023-01-1941 min
Banking on InnovationEpisode 7 Hans Morris, Managing Partner of NYCA PartnersThis week’s guest on Banking on Innovation is Hans Morris, Managing Partner of NYCA Partners, a premier venture capital and advisory firm focused on the fintech sector.Hans brings a unique perspective because of his rare blend of investment savvy, extensive operating experience, and deep fintech knowledge. His former roles include President of Visa and CFO, Markets and Banking at Citigroup. Meanwhile, NYCA has an enviable roster of Limited Partners, highly accomplished former industry executives who operate as advisors to portfolio companies. Hans serves as a member of the board.He argues tha...2023-01-0545 min
Banking on InnovationEpisode 6 Erin Pryor, EVP and Chief Marketing Officer at First HorizonOur guest on the sixth episode of Banking on Innovation is Erin Pryor, Executive Vice President, Chief Marketing Officer at First Horizon Bank. Already the fourth largest regional bank in the American Southeast, First Horizon is set to become the sixth-largest US bank by assets by mid-2023, when its $13.4 billion acquisition by TD Bank is expected to complete.Erin previously served as Executive Director of Brand Management at USAA, a leading provider of financial services to the US military, and fulfilled leadership positions in United Capital Financial Advisers and Opus Bank.Now she is leading...2022-12-1128 min
Banking on InnovationEpisode 5 Ankit Bhatt, EVP Consumer Chief Digital Officer at US BankOur guest on Banking on Innovation this week is Ankit Bhatt, Executive Vice President, Consumer and Chief Digital Officer at US Bank.Ankit built the US Bank mobile app from scratch in 2019, the same year he was named Digital Banker of the Year by American Banker. The app, which has delivered more than 2 billion personalized insights, has more than a million 5-star reviews in app stores. And in the third quarter of 2021, the industry benchmarking firm Keynova Group named it as the top mobile app.The key to creating a best-in-class app? According to Ankit...2022-11-2726 min
Banking on InnovationEpisode 4 Jamie Warder, Head of Digital Banking at KeyBank: 3 Rules for Successful InnovationJamie Warder, who is Head of Digital for KeyBank, is our guest this week on Banking on InnovationKeyBank has around 1,000 branches in 15 states. Jamie is a savvy industry veteran who is skilfully navigating the complex terrain of how regional banks can capitalize on both opportunities and threats from the burgeoning fintech ecosystem. KeyBank is taking bold and non-traditional steps to deliver on their digital ambitions – acquiring AQN, an analytics company, and Laurel Road, a student loan refinance operation which they are refashioning into a digital-led, full-service bank for the healthcare market. Jamie brings a r...2022-11-1035 min
Banking on InnovationEpisode 3 Brendan Coughlin, Head of Consumer Banking at Citizens: Moving From Transactional to Advisory-based BankingBrendan Coughlin, who is responsible for national and regional banking at Citizens, is our guest this week on Banking on InnovationBrendan has an 18-year history at the bank, which has over 1,200 branches and $192 billion in assets. And he has driven outsized market share growth in every position he has held, whether in consumer deposits and lending, consumer banking product management or consumer finance.During the podcast, Brendan explained how he has innovated at every stage of his career, both when he was starting new services within Citizens and when he managed mature ones. So...2022-10-2739 min
Banking on InnovationEpisode 2 Liz Wolverton, Head of Consumer Banking and Brand Experience at Synovus: Bringing digital and human together in all banking interactionsThe second episode of our leadership podcast series, Banking on Innovation, features Liz Wolverton, Head of Consumer Banking and Brand Experience at Synovus, a 134-year-old regional bank with around $55 billion in assets, serving clients in the southeastern US. Liz, who has been with Synovus since 2003, has been named one of American Banker’s 25 Women to Watch every year since 2015. She also has an unusually wide-ranging remit, extending from oversight of her organization’s marketing, digital, analytics and customer experience functions to responsibility for the branch network, consumer banking products and services, and mass affluent strategy and e...2022-10-1933 min
Banking on InnovationEpisode 1 Dennis Devine, CEO of Alliant Credit Union: How to be customer-centric in a digital-first organizationIn our inaugural podcast episode, host Jody Bhagat talks to Dennis Devine, President, and CEO of Alliant Credit Union, about its member-first strategy. Having previously held senior leadership roles at KeyBank, Citizens Financial Group and PNC Bank, Dennis reveals some of the ways in which his personal approach to customer-driven innovation has changed over the years, and how these past experiences have prepared him to head a credit union with $16 billion in assets, one of the 10 largest credit unions in the US.In 2014, Alliant Credit Union, realized that 96% of the transactions occurring in i...2022-10-1223 min
Banking on InnovationBanking on Innovation trailerListen to the trailer of the Banking on Innovation podcast, coming out soon2022-09-2800 min