This week, we speak with Owen Hall, CEO at Heliocor, about the proliferation of what Hall calls "breadcrumbs," digital touchpoints that a user has with a bank. He talks about how these touchpoints are creating new opportunities for banks and, also, new risks in terms of fraud and cybersecurity.

Hall also discusses how banks can leverage their brand, in contrast to other guests we've had on the podcast, who are less optimistic about brands as an asset.