In this episode of Banking on Innovation, David M. Brear, CEO of 11:FS, joins Jody Bhagat, President of Global Banking at Personetics, to share his bold vision for the future of banking. 

As customers demand more personalized, value-driven engagement, banks must move beyond product promotions to deliver intelligent, contextual experiences. This conversation dives deep into how Cognitive Banking enables that shift—and why the time to act is now. 

Key Takeaways: 

• Why fintechs have been winning on relevance, agility, and trust 
• How banks can compete by delivering outcomes—not just products 
• Real-time, contextual guidance as a foundation for trust 
• The role of Cognitive Banking in the digital transformation journey 

Whether you’re a bank executive, innovation leader, or fintech enthusiast, this episode offers fresh insights into how financial institutions can transform customer relationships at scale. 

Listen now and get inspired to lead the shift from transactions to trust.