In this episode of The 2040 Banker, Vanamali Sridharan, CTO at Five Star Business Finance Limited, unpacks how banking has evolved, what still hasn’t changed, and what a truly customer-centric future might look like by 2040. From designing for Gen Z to the realities of embedded finance, this conversation explores the layers of modern banking, the cultural shifts required, and how trust — not branches — will define the banks of tomorrow.