Banking Reinvented

In the sixth episode of our commercial banking takeover, Peter Tapling of PTap Advisory joins guest host Alex Jimenez to explore the intersection of faster payments, fraud risk, and trust in commercial banking. Learn how to balance the adoption of new rails like FedNow with client education, fraud prevention, and smart execution strategies. If you’re leading modernization efforts, this episode is essential listening.

Interested in the space where payments, fraud, and tech converge? Discover more insights on our content hub featuring podcasts, whitepapers, and beyond.

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Follow us on LinkedIn:

-> Backbase

-> Alex Jimenez

-> Peter Tapling

Timestamps

(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover

(01:12) – Common myths about faster payments

(02:16) – Core challenges for modernizing payment systems

(05:30) – Who should lead faster commercial payments

(08:13) – Balancing speed with risk mitigation

(12:04) – Overcoming blockers from payment providers

(16:44) – Tech vulnerabilities for commercial institutions

(18:28) – Examples of improving commercial workflows with faster payments

(23:40) – Thinking about creating rails vs. using older ones

(26:53) – Adopting faster payments without a clear roadmap

(30:10) – How faster payments intersects with embedded finance/open banking

(35:49) – The mindset shift in commercial banking

(37:08) – Episode wrap-up

Episode 76 of Banking Reinvented explores how financial institutions across Asia can prioritize modernization for real impact, from AI-native operating models to cross-border growth opportunities.

Host Tim Rutten is joined by Cyrus Daruwala, Partner Director-Asia at 3A Ventures International and Executive Director at the ASEAN Economic Forum, who advises some of the world’s largest banks and regulators on practical modernization, data, and AI. Together, they discuss why ASEAN’s trade flows are placing banks at the center of growth, how AI is reshaping both the front and back office, and what leaders must modernize first to balance speed, resilience, and ROI.

Tune in to hear pragmatic insights on what modernization really looks like in practice, why AI is now the baseline for banking, and how leadership teams can steer through hype cycles to build future-ready financial institutions.

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Curious to find out more about customer-centric banking?

Follow us on LinkedIn:

-> Backbase

-> Jouk Pleiter

-> Tim Rutten

-> Cyrus Daruwala

Step into the future of finance -> Check out our content hub

Timestamps

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

(00:24) – Introduction to Cyrus

(01:11) – Banking during geopolitical uncertainty

(03:06) – The unprecedented nature of AI in banking

(07:00) – Dynamics of the ASEAN region

(11:47) – The role of incumbents in ASEAN

(13:54) – What’s next for tech transformation in the region

(20:32) – Where to start with AI transformation

(23:37) – Use cases of AI in banking

(29:49) – Leadership skills needed to leverage AI

(33:14) – Training and upskilling for AI

(37:00) – Main takeaways from Cyrus

(45:36) – Final thoughts from Cyrus

(47:47) – Episode wrap-up

In the fifth episode of our commercial banking takeover, Alan Koenigsberg, founder of Koenigsberg Insights and former Global Head at Visa, sits down with guest host Alex Jimenez to share how banks can modernize working capital, embedded finance, and B2B infrastructure. This episode is packed with insight into scaling safely, transforming legacy systems, and building operational models that last.

For more on treasury transformation and infrastructure strategy, explore the expert content now live on our content hub.

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Follow us on LinkedIn:

-> Backbase

-> Alex Jimenez

-> Alan Koenigsberg

-> Koenigsberg Insights

Timestamps

(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover

(00:57) – Blind spots in commercial payments

(02:34) – Embedded finance and working capital innovation

(05:02) – Managing credit profiles with data

(07:06) – Best ways to approach digital transformation

(12:27) – Over-engineering and under-investing in commercial payments

(15:28) – Selling a solution vs. selling a rail/capability

(19:11) – Trends on how banks get treasury digitization wrong

(22:34) – Leveraging AI in commercial payments

(27:20) – Crypto’s impact on the commercial/cross-border space

(30:36) – Using quantum computing to build quickly and safely

(36:13) – Macro forces shaping the next wave of working capital innovation

(40:38) – Top three priorities for treasury and payments

(44:57) – The biggest disconnect between fintech partnerships and long-term value creation

(47:53) – Key takeaway from Alan

(49:47) – Episode wrap-up

In episode 74 of Banking Reinvented, host Tim Rutten is joined by Adrian McPhee, CTO at Backbase, for a candid conversation about how banks can move beyond buzzwords to achieve meaningful change with the power of AI.

Together, they discuss the critical building blocks for AI success, from data management and risk frameworks to organizational mindsets and regulatory collaboration. Adrian also shares first-hand stories of building AI-powered platforms, the challenges of scaling innovation, and why understanding customer intent is key to the next wave of digital banking.

Tune in for practical strategies for embracing AI safely, aligning technology with business goals, and preparing your team for the future of financial services.

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Curious to find out more about customer-centric banking?

Follow us on LinkedIn:

-> Backbase

-> Jouk Pleiter

-> Tim Rutten

-> Adrian McPhee

Step into the future of finance -> Check out our content hub

Timestamps

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

(00:42) – Introduction to Adrian

(08:27) – Separating AI’s hype from its transformative potential

(11:48) – The AI zeitgeist in the market

(15:48) – AI’s amplifier effect

(17:32) – Foundational capabilities for harnessing AI

(22:30) – Innovating at the pace of the regulator

(26:49) – AI’s evolution in banking

(28:45) – Deploying and monitoring AI vs. traditional systems

(30:27) – The importance of being AI native/fluent

(34:31) – The next big wave in AI transformation

(36:41) – Episode wrap-up

Episode 72 of Banking Reinvented explores how AI, open banking, and new operating models are fundamentally reshaping the financial services industry.

Host Tim Rutten welcomes back Jarno van Hurne, VP Product and Head of Digital Banking, to unpack the hottest topics in retail, business, and commercial banking today. Together, they dive into everything from the rise of neobanks to the escalating challenge of digital fraud, as well as how banks can partner with fintechs to deploy AI-powered defenses.

Tune in for a candid look at how banks can move beyond incremental change, embrace AI-native thinking, and position themselves for long-term success in a rapidly shifting landscape.

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Curious to find out more about customer-centric banking?

Follow us on LinkedIn:

-> Backbase

-> Jouk Pleiter

-> Tim Rutten

-> Jarno van Hurne

Step into the future of finance -> Check out our content hub

Timestamps

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

(00:23) – An introduction to Jarno

(03:50) – Open banking news from JPMorgan Chase

(07:30) – The death of open banking in the U.S.

(12:55) – The fraud zeitgeist in banking

(18:11) – The continued rise or Revolut and Nubank

(22:54) – The importance of being AI-native

(27:50) – The appetite for AI in traditional banking

(30:52) – How to think AI-first

(34:13) – Top use cases for AI in banking

(40:35) – Episode wrap-up

In the fourth episode of our commercial banking takeover, Jessika Wood, SVP of Commercial Payment Products at Fifth Third Bank, joins guest host Alex Jimenez to explore how banks can simplify complexity and scale growth through smarter commercial payments. With insights from fintech and traditional banking, Jessika shares what it takes to move from siloed services to integrated money movement ecosystems.

Looking to reshape your bank’s payments strategy? Visit our content hub for deeper insights on commercial innovation.

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Follow us on LinkedIn:

-> Backbase

-> Alex Jimenez

-> Jessika Wood

-> Fifth Third Bank

Timestamps

(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover

(01:00) – The biggest disconnect between client needs and actual experiences

(06:17) – Friction that’s holding back commercial payment innovation

(09:24) – The changing expectations of commercial payments buyers

(14:48) – Structuring your portfolio to simplify complexity

(16:28) – Aligning product with compliance and growth

(21:03) – Key factors that enable growth

(24:43) – Building relationships between bankers and product leaders

(26:54) – Keeping teams focused on value delivery

(30:18) – The future of commercial payments

(31:44) – Building a commercial payments experience from scratch

(33:26) – Skillsets needed to grow payments franchises

(36:34) – Key takeaway from Jessika

(36:50) – Episode wrap-up

In the third episode of our commercial banking takeover, Jack Hubbard of The Modern Banker joins guest host Alex Jimenez to talk about modernizing the commercial banking sales playbook. From trust-based selling and power questions to effective second meetings and blended outreach strategies, this episode is a masterclass in how to sell through conversation, not pressure.

Want practical tools to elevate your commercial sales game? Head to our content hub for more expert interviews and actionable insights.

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Follow us on LinkedIn:

-> Backbase

-> Alex Jimenez

-> Jack Hubbard

-> The Modern Banker

Timestamps

(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover

(00:57) – Timeless principles that banks accidentally ignore

(04:55) – The evolving role of commercial relationship managers

(08:56) – The mindset shift required to meet modern buyer expectations

(15:46) – The importance of trust-based selling

(21:53) – Factors that kill sales momentum

(25:00) – Using LinkedIn to land meetings

(29:50) – Successfully coaching your teams for success

(33:38) – Mastering hybrid selling models

(37:03) – Old-school habits that work (and others that don’t)

(39:32) – Jack’s advice for the new generation of bankers

(40:44) – Jack’s key takeaway

(41:03) – Episode wrap-up

Episode 70 of Banking Reinvented explores the future of payments modernization and digital identity in banking, as financial institutions race to meet rising customer expectations for seamless, secure experiences.

Host Tim Rutten welcomes Entrust’s Tony Ball, President of Payments and Identity, as well as incoming CEO, for an in-depth conversation on how banks can re-architect their operations to stay ahead in a rapidly evolving landscape. Together, they discuss the critical role of biometrics, tokenization, and advanced fraud engines in building trust and delivering instant, digital-first experiences, as well as the challenges posed by AI-powered fraud actors, and the need to balance innovation with security.

Tune in to get actionable strategies for implementing next-gen payment solutions, fostering a growth mindset, and ensuring your bank is ready for the demands of tomorrow's digital economy.

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Curious to find out more about customer-centric banking?

Follow us on LinkedIn:

-> Backbase

-> Jouk Pleiter

-> Tim Rutten

-> Tony Ball

-> Entrust

Step into the future of finance -> Check out our content hub

Timestamps

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

(00:29) – Introduction to Tony and Entrust

(02:43) – The “credit crunch” in North America

(04:53) – Rethinking CX in the payments modernization space

(07:06) – AI-driven fraud vs. AI-powered fraud prevention

(12:56) – Meeting customer expectations for payments

(18:53) – Foundational capabilities for new-gen payments experiences

(24:24) – Compliance teams and the growth agenda

(26:57) – Payments modernization learnings from Tony

(31:27) – Key takeaways

(34:12) – Final thoughts from Tony

(36:38) – Episode wrap-up

In the second episode of our commercial banking takeover, Jennifer Wilson, former Chief Digital Officer at Western Alliance Bank, shares how commercial banking teams can use UX and digital strategy to drive measurable acquisition and retention. Guest host Alex Jimenez guides a conversation on design thinking, reducing friction, and what real transformation looks like when banks focus on customer needs instead of internal assumptions.

Explore more stories of digital leadership and strategy in commercial banking. Visit our ⁠content hub⁠ for blogs, episodes, and exclusive resources.

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Follow us on LinkedIn:

-> ⁠Backbase⁠

-> ⁠Alex Jimenez⁠

-> ⁠Jennifer Wilson⁠

-> ⁠DeepStructure⁠

Timestamps

(00:00) – Welcome to the “Banking Reinvented” commercial banking takeover

(00:54) – What commercial banks overlook when designing digital experiences

(04:54) – Biggest friction in the commercial customer lifecycle

(06:23) – The most broken part of the commercial banking journey

(07:37) – The boldest digital transformation bets that pay off

(10:16) – Getting risk teams involved from the start

(12:43) – Using design thinking to shape products and services

(14:54) – What real digital transformation looks like

(16:58) – When digital strategy gets stuck in the middle

(20:10) – Balancing innovation with risk management

(22:18) – Using AI to personalize and bring humanity back to tech

(27:46) – What’s next on the AI horizon for commercial banks

(31:09) – The mindset shift to unlock growth mode

(33:21) – Key takeaways

(34:19) – Episode wrap-up

Episode 68 of Banking Reinvented explores the existential imperative that commercial banks face as they navigate the rise of embedded finance and the transformative power of AI.

Host Tim Rutten is joined by Arun Ramamoorthy, Product Director - Head of Commercial Banking at Backbase. Together, they discuss how demographic shifts, fintech competition, and the evolving role of relationship managers are reshaping the commercial space, including practical steps banks must take to stay ahead of the competition.

Tune in to hear why commercial banks must embrace embedded finance and AI-powered relationships, plus how forward-thinking financial institutions can turn these challenges into opportunities for growth, innovation, and long-term relevance.

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Curious to find out more about customer-centric banking?

Follow us on LinkedIn:

-> Backbase

-> Jouk Pleiter

-> Tim Rutten

-> Arun Ramamoorthy

Step into the future of finance -> Check out our content hub

Timestamps

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

(00:48) – Introduction to Arun

(02:19) – JPMorgan Chase’s fintech data announcement

(04:50) – The urgency of commercial banking’s digital transformation

(10:15) – Key hurdles for commercial banks

(13:01) – The importance of embedded finance

(16:10) – Transforming high-margin services

(17:32) – Overcoming silos with AI

(23:42) – Empowering relationship managers with AI

(27:56) – Balancing digital transformation with AI transformation

(32:25) – Key takeaways

(34:28) – Episode wrap-up