Banking Reinvented

Recorded at Backbase ENGAGE Americas, episode 52 of Banking Reinvented is a deep dive into the rapidly changing commercial banking landscape — and how EverBank is adapting alongside it.In this episode, host Tim Rutten is joined by two special guests: EverBank’s Christine Martin (Head of Treasury Management) and Vincent Ford (SVP, Digital Platform Manager). Together, they chat about how modern banks in the commercial space are transforming their approach to customer service, leveraging digital technologies, and preparing for a future increasingly shaped by AI.Tune in to learn about how EverBank is embracing tech advancements to create seamless digital experiences that meet the complex needs of businesses ranging from small enterprises to large corporations.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Christine Martin-> Vincent Ford-> EverBankStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:43) – Intro to Christine, Vincent, and EverBank(02:40) – Top-of-mind issues in the banking industry(04:59) – Key shifts in the financial landscape(07:15) – Balancing technology investments and ROI(10:09) – The threat of disintermediation(11:39) – Key fintech players to keep an eye on(13:35) – The opportunities and risks of AI(15:37) – Getting started with AI adoption(18:26) – Exciting areas of the AI space(21:27) – Tips for adopting a leadership mindset(23:38) – Episode wrap-up

Recorded at Backbase ENGAGE Americas, Episode 51 of Banking Reinvented explores the massive opportunities that AI is presenting the banking industry — and the importance of acting now.In this episode, host Tim Rutten is joined by special guest Brian Shniderman, Senior Managing Director at Accenture and Head of Accenture’s North American Payments Practice. Together, they dissect the various stages of AI implementation, from predictive AI in back-office operations to the emerging world of generative and agentic AI, highlighting practical use cases like improved payment processing, fraud detection, and customer lifetime orchestration.Tune in to hear all the ways AI is dramatically reshaping banking customer experiences, operational efficiency, and competitive dynamics.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Brian Shniderman-> AccentureStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:57) – Top-of-mind innovations in the AI space(02:13) – Swiftly and safely adopting AI(04:18) – Proven players in the AI banking sector(08:13) – Mid- and back-office applications for AI(12:15) – Use cases in the payments space(17:45) – The banking industry’s current mindset(23:20) – Key takeaways(25:20) – Episode wrap-up

Episode 50 of Banking Reinvented covers how your financial institution can super-charge its software development lifecycle (SDLC) with a hyper-effective new partner: agentic AI.This time around, host Tim Rutten is joined by Luca Mastrini, Global Vice President of Engineering Services at Backbase, for a conversation about the major developments in the banking SDLC over the last decade and the massive impact that AI agents are poised to make.Tune in to get key insights about adopting AI into your bank’s development process, including essential tips for augmenting your engineers, experimenting with large language models (LLMs), and applying change management across your team.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Luca MastriniStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:53) – Intro to Luca(02:55) – Major shifts in the SDLC over the last decade(07:49) – Bringing AI into the SDLC(13:01) – AI’s role in the coding process(15:16) – Augmenting engineers with AI(20:26) – Experimenting with LLMs(22:41) – Mind-blowing developments in the SDLC(29:10) – Applying change management in the team(33:25) – AI’s impact on engineering team structure(36:11) – Key takeaways(38:27) – Episode wrap-up

Episode 49 of Banking Reinvented explores how Backbase is going all-in on AI — and why banks across the world need to do the same.In this episode, host Tim Rutten is joined once again by Backbase Founder & CEO Jouk Pleiter for a discussion about the recent launch of the AI-powered Banking Platform. Together, they dissect the reasoning behind the strategic pivot, including details about wide-reaching market trends, groundbreaking tech innovations, and key data points from the journey so far.Tune in to find out why your bank should already be considering AI adoption and why getting there isn’t as complex, costly, and time-consuming as you might think.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim RuttenStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:42) – Launching the Backbase AI-powered Banking Platform(03:09) – Reasoning behind the strategic pivot towards AI(07:41) – Data points from the software development life cycle(11:50) – Adapting a growth mindset for AI implementation(16:02) – The “aha moment” of Agentic AI(20:15) – Moving customer experience ownership away from banks(26:31) – Using AI to overhaul legacy banking systems(32:04) – Key takeaways(33:53) – Final words(37:34) – Episode wrap-up

Episode 48 of Banking Reinvented explores the potential of business process orchestration — the strategic coordination of multiple automated processes — including opportunities, blockers, and first steps.This time around, host Tim Rutten is joined by Robert Soetens, Vice President of Product at Backbase. Together, they distinguish between business process orchestration and more straightforward process automation, before discussing key value drivers, tools to leverage for success, and the increasing role that AI plays in this complex mix.Tune in to hear how your bank can harness business process orchestration to improve customer services and experiences, reduce manual, repetitive tasks, accelerate decision-making, and more.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Robert SoetensStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:35) – MCP, A2A, and other recent news(06:46) – Business process orchestration vs. process automation(13:54) – Solutions on the market(18:46) – The role of AI(26:54) – Common blockers to process orchestration(32:58) – The importance of progressive modernization(35:45) – Key takeaways(39:06) – Final thoughts from Robert(42:26) – Episode wrap-up

Episode 47 of Banking Reinvented is packed with insights about the past, present, and future of banking in Mexico, straight from one of Latin America’s top industry thought leaders.This time around, host Tim Rutten welcomes special guest Francisco Martha, General Director of Digital Business Development at Grupo Financiero Banorte. Together, they discuss the evolution of Mexican digital banking over the years, as well as key trends that are resonating throughout LATAM.Tune in to hear about the increased momentum of digital banking in Mexico, the importance of financial inclusion, and how a platform model can tie everything together.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Francisco Martha Gonzalez-> Grupo Financiero BanorteStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the ‘Banking Reinvented’ podcast(01:12) – Topic overview(01:48) – Digital banking trends in Mexico(07:08) – The opportunity of financial inclusion(09:53) – Neobanks and mobile banking(18:16) – Differentiated customer segmentation(25:01) – Banorte’s approach to tech modernization(30:31) – Growth mindset and cultural barriers (32:01) – Key takeaways and final words(35:24) – Episode wrap-up

Episode 46 of “Banking Reinvented” dives into the evolving world of wealth management, where new client demands, shifting market dynamics, and tech-native competitors are redefining the rules of engagement.In this episode, host Tim Rutten is joined by special guest Sjors van der Zee, Partner at Bain & Company, to explore how wealth managers can stay relevant in a world where digital-first players like Robinhood are disrupting the market. Together, they discuss the urgent need to evolve, highlighting how firms must rethink their advisor model, embrace AI, and balance high-touch relationships with digital convenience to meet the changing needs of both the old and new generation of clients.Tune in to learn why advisor productivity is the key lever for unlocking growth, how modernizing your tech stack doesn’t have to mean starting from scratch, and why the time to act is now.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Sjors van der Zee-> Bain & CompanyStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the “Banking Reinvented” podcast(00:45) – Introduction to Sjors and Bain(02:29) – Recent news in private banking/wealth management(05:25) – Main challenges wealth managers are facing(07:56) – The generational wealth transfer(10:51) – The importance of digital tech and AI for advisors(17:04) – The industry’s appetite towards AI/LLMs(21:45) – The potential for customer-facing “relationship manager” GPTs(27:26) – Best strategies for implementing cutting-edge tech(29:12) – Experimenting with AI(32:29) – Adapting to a platform model(37:07) – Key takeaways(41:06) – Episode wrap-up

Episode 45 of Banking Reinvented is all about the real challenges that financial institutions face during their API modernization journeys — as well as the best path forward.This time around, host Tim Rutten is joined by Deepak Pandey, Backbase’s Vice President of Technology, for a tech deep-dive that covers everything from key factors that block developer agility to harnessing the potential of Agentic AI.Tune in to hear how to navigate the constant evolution of integration tech, overcome the hassle of synchronizing data across disparate systems, and explore the most successful leadership styles for API modernization.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Deepak PandeyStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the ‘Banking Reinvented’ podcast(00:38) – Introduction to Deepak(02:45) – The complexity of API modernization(06:15) – Leveraging the BIAN framework(09:29) – The role of Agentic AI(14:05) – Model Context Protocol (MCP)(20:38) – Key factors blocking developer agility(24:06) – Successful leadership styles for AP modernization(28:15) – The evolving role of developers(31:12) – A clarification in terms and key takeaways(36:28) – Episode wrap-up

Episode 44 of “Banking Reinvented” explores the growing global trend of mergers and acquisitions (M&As) — including strategies for navigating challenges and ensuring successful execution.In this episode, host Tim Rutten is joined again by Backbase’s Mayur Vichare, VP Value Consulting & GTM Lead. They discuss the current M&A landscape, analyzing common pitfalls related to growth and integration, as well as ideal places to begin.Tune in to hear the three key things banks need to be aware of during their M&A journeys, plus tips for technology integration, co-modernization, and realizing cost synergies.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Mayur VichareStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the ‘Banking Reinvented’ podcast(00:49) – Global M&A outlook and trends(03:55) – Top three things to remember during M&As(07:11) – Success rates for M&As(09:53) – Navigating technology integration and co-modernization(16:11) – Realizing cost synergies(17:31) – Going channel-first in an M&A(23:20) – Key takeaways(25:44) – Episode wrap-up

Episode 43 of “Banking Reinvented” is all about tapping into “growth mode,” a hot topic in the industry and one that will become increasingly important in the years to come.In this episode, host Tim Rutten is once again joined by Backbase Founder & CEO Jouk Pleiter as they sit down to discuss strategies for efficient growth that’s not tied to costly customer acquisition. Together, they explore how this all comes down to traditional banks making the most of what they already have — solid reputations, a high degree of brand loyalty, and deep pools of existing customers.Tune in to find out how banks can activate their install bases with superior, omnichannel digital experiences that allow them to drive sales, boost engagement, reduce servicing costs, and more.–Curious to find out more about customer-centric banking? Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim RuttenStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the ‘Banking Reinvented’ podcast(01:43) – Getting back into growth mode(05:36) – The last 10 years of digital transformation(10:15) – The increasing relevance of platform providers(12:00) – How traditional banks can unlock growth mode(15:53) – Harnessing progressive modernization(18:42) – The inefficiency of point solutions(21:17) – The four building blocks of growth(27:53) – Key takeaways(30:36) – Episode wrap-up