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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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