In this episode, Dave and Dharm sit down with Ben Goldin, CEO and Founder of Plumery, to explore how digital banking needs to evolve beyond its legacy foundations.

With more than two decades in banking technology — including senior roles at Mambu and Backbase — Ben shares his deep insights into what’s broken in today’s digital banking architectures and how Plumery is reimagining them for a composable, experience-led future.

The conversation covers:

Why banks must decouple from monolithic core systems to deliver genuine digital experiences.

How real-time, purpose-built data models are transforming customer personalisation.

The cultural and organisational shifts required for banks to think like digital product companies, not siloed institutions.

The limits, and the promise, of AI in financial services, including why understanding its stochastic nature is essential.

A candid discussion on regulation, with Ben calling for regulators to move from policing to proactive collaboration, accelerating innovation safely.

Ben also explains why the next wave of banking will blend lifestyle, financial, and ecosystem services, and why success will belong to those who can bridge technology, experience, and trust.

A must-listen for anyone interested in the future of banking architecture, digital transformation, and the human side of innovation.