According to Sergey Gribov, Partner at Flint Capital, "banks are the ultimate commodity." Fintech startups can offer banking services with leaner teams and better customer experiences using artificial intelligence. But banks need to differentiate themselves somehow from not just fintech companies, but other banks, especially as they decide which banking functions they want to focus on in the coming decade. Banks will almost certainly become leaner operations to stay in business, and they'll need to make strategic decisions that direct their future.

In this episode of the AI in Banking podcast, Gribov offers a frank picture of the banking landscape in the coming years and how banks will need to respond to it.