Denise Johansson, Co-founder and CEO of Enfuce, advocates for a cultural approach to modernization, emphasizing that transformation is about more than just technology. Andy Sturrock, CTO of Atom Bank, highlights the agility of cloud-native systems, enabling quicker experimentation. Richard Davies, CEO of Allica Bank, discusses strategies for serving established SMEs and argues that legacy banks often react too slowly to competition. The trio passionately debates whether incumbents can catch up to neobanks, stressing that courage and customer focus are essential for success.
