Episode 56 of Banking Reinvented covers how financial institutions across Asia are addressing the urgent need to become future-ready, fast.

Host Tim Rutten is joined by Ravi Kittane, Partner, Financial Services at EY in Malaysia, who shares boardroom-level insights into why digital transformations fail — and how banks can succeed with a disciplined, modular approach. Together with perspectives from Riddhi Dutta, Backbase RVP of Sales (Asia), the episode explores why banks are moving beyond point solutions to embrace platform thinking, establishing a unified foundation for innovation, operational resilience, and long-term growth.

Tune in to hear straight-from-the-boardroom strategies for launching your bank’s transformation, embedding resilience, and leveraging a modular platform to build future-ready digital banking experiences.

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Timestamps

(00:00) – Welcome to the “Banking Reinvented" podcast

(00:28) – Introduction to Riddhi Dutta and Ravi Kittane

(01:05) – Overview of topics

(03:22) – Boardroom priorities: scalability, cost efficiency, regulatory pressure

(06:57) – Challenges in executing digital transformation

(10:16) – Operational resilience and why spaghetti architectures no longer work

(13:16) – Evolution from monolithic tech to modular platforms

(16:44) – What progressive modernization really means

(20:05) – Picking the right starting point for transformation

(27:04) – Embedding AI in customer journeys

(28:13) – AI’s role in transforming risk, advisory, and service

(29:32) – Voice, text, and telepathic interfaces of the future

(32:28) – Key takeaways

(34:07) – Episode wrap-up