In this episode of Banking Bytes, hosts Fred Fuller and Matt Williamson sit down with Steve Mallet, former CIO at HSBC, to discuss how banking technology is evolving—and why the simplest innovations often have the biggest impact. From the rise of instant payments to the role of AI in financial services, this episode explores how banks and fintechs are navigating the challenges of modernisation while maintaining security, resilience, and customer trust. Key highlights:

• What innovation in banking really means—and why it's not just about cutting-edge tech.
• The rise of instant payments and the move towards real-time transactions.
• AI in banking: Overhyped buzzword or a real game-changer?
• Escaping legacy systems—why modernisation is crucial for the future of financial services.
• The global shift towards faster, smarter cross-border payments.

Steve, Fred, and Matt share real-world insights on the future of payments, the challenges of technology adoption, and how banks can strike the balance between innovation and stability.

Listen now to discover how the banking industry is evolving in real-time!