Ross Gallagher

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.

David M. Brear, Group CEO at 11:FS and fintech strategist, shares bold predictions for 2026 alongside Ross Gallagher, Head of Consulting, and Kate Moody, Customer Strategy Director. They discuss 'digital riches' transforming financial experiences with contextual products and the widening gap between legacy banks and neobanks. The conversation also highlights the potential of digital identity as a market leverage and the evolving landscape of investments, especially for younger consumers. Brand importance and the role of advisory services in democratizing access to investing are emphasized as key themes.

Joining the discussion are Ross Gallagher, Head of Consulting at 11:FS, known for his expertise in leveraging digital innovations, and Kate Drew, Director of Research at CCG Catalyst Consulting Group, who leads efforts to navigate market dynamics. They dive into the upheaval faced by banks post-pandemic and the shift from innovation to securing core operations. Key challenges like inflation and regulatory pressures make the role of consultants vital, exploring AI's potential in community banking while emphasizing the need for empathy in understanding client needs.