In 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, contextual guidance as a foundation for trust The role of Cognitive Banking in the digital transformation journey Whether you’re a bank executive, innovation leader, or fintech enthusiast, this episode offers fresh insights into how financial institutions can transform customer relationships at scale. Listen now and get inspired to lead the shift from transactions to trust.
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Episode 19 - Jim Marous, Owner & Host - Banking Transformed Podcast, Co-Publisher - The Financial Brand
Banking 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 digital more human 21:30 - The urgency to act Visit our website – https://personetics.comFollow us on LinkedIn – https://www.linkedin.com/company/personeticsLike us on Facebook – https://www.facebook.com/PersoneticsJoin the conversation on Twitter – https://twitter.com/personetics
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Episode 18 Firdaus Bhathena, Chief Technology Officer at FIS
FIS 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
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Episode 17 Maurizio Poletto, Chief Platform Officer at Erste Group
Join 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 individual needs and preferences.Don't miss out on this thought-provoking discussion that explores the intersection of technology, design, and customer empowerment in the banking industry.
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Episode 16 Colin Walsh, Founder & CEO of Varo Bank
Join 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. Discover Varo's customer-centric philosophy and its focus on creating smarter, faster, and safer platforms tailored to the 60% of Americans living paycheck to paycheck. Learn about Varo's innovative solutions, including high-yield savings, credit-building tools, instant money transfers, and early paychecks, designed to empower customers and transform their daily relationship with money. Colin envisions a future where financial confidence and stronger cash flow are accessible to all, regardless of their socio-economic background. Gain insights into Varo's relentless pursuit of financial inclusion, opportunity, and the cultivation of "raving fans" within the banking industry. Explore the transformative potential of Varo Bank and its unwavering commitment to building a more equitable and inclusive financial landscape for generations to come.
Welcome to Personetics’ Banking on Innovation podcast, where banking leaders driving customer-centric Innovation to share their stories and reveal their insights on how financial data-driven personalization impacts business results and banking customers’ financial wellbeing.
Hosted by Jody Bhagat, President of Americas at Personetics, the biweekly podcast helps executives in banks, fintechs and banking providers consider how to lead customer-driven Innovation in their own organizations.
Guests on the show include CEOs, Chief Digital Officers and Retail Banking Heads from the country’s leading regional, big banks and credit unions, so you can learn from those on the cutting edge.
In each episode, guests share key learnings from their personal journey to success before exploring what it takes to execute on customer-driven innovation and provide consumers with personalized experiences that supports their financial wellness.
Topics include the evolution of customer expectations, how mid-sized banks can compete on customer innovation, how to use data to improve the impact on member experiences, how to embed customer personalization in a digital environment and more.
Each episode ends with the guest’s answer to the same question: what will customers expect in the next three-to-five years, for which the industry is not well prepared?
Banking on Innovation is brought to you by Personetics, the leading global provider of financial data-driven personalization and customer engagement solutions for the financial services industry. Personetics serves over 100 banks and financial institutions across 32 global markets, helping 135 million bank customers worldwide manage their money more efficiently and increase their financial wellbeing
Tune in to learn and be inspired.
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