David Brear, CEO and co-founder of 11:FS, discusses the innovation in commercial banking driven by digital technologies and fintechs. He also talks about the changing competitive landscape in the banking industry and how it impacts incumbent banks. Additionally, he explores the differences in fintech and financial ecosystems globally, highlighting the role of generational and cultural differences.

Guests David Brear, Alan Klement, Justin Geaney, and Peter Collingridge discuss the concept of Jobs to be Done (JTBD) in product design, highlighting its impact in creating customer-centric digital propositions. They delve into the key role JTBD plays in making products integral to customers' lives and enabling powerful customer journeys, emphasizing that it is the future of product design.