Fintech Insider Podcast by 11:FS 1029. Insights: How AI is reshaping consumer-focused banking
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Jan 15, 2026 Guests Ross Gallagher, Fernanda Dobal, and Megan Caywood dive into how AI is revolutionizing consumer banking. They discuss the role of AI in providing real-time insights and enhancing customer interactions with smart, context-aware experiences. The panel explores building trust in AI-driven decisions and the concept of 'self-driving money'—where financial tasks are automated for users. They also reflect on the future of banking, addressing the tensions between innovation, risk, and changing business models as fintechs and incumbents vie for leadership.
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R.I.C.H.E.S Framework Reframed For AI
- Digital R.I.C.H.E.S means banking should be real-time, intelligent, contextual, human, extendable, and social.
- AI can supercharge each element by moving services to where customers need them in the moment.
AI Unlocks Siloed Data In Real Time
- AI can pull salient data across siloed systems and surface it at the right moment.
- That capability creates transformational potential if applied additively rather than just to cut costs.
Delegate Actions, But Build Guardrails
- Delegate execution to AI where safe so services not only inform but act on behalf of customers.
- Build guardrails so delegated actions preserve trust and can be reviewed or reversed.
