Banking has already changed. The question is: will traditional banks survive the shift? In a recent episode of Breaking Banks, Brett King is joined by a Who's Who of global fintech thought leaders: Bruno Diniz, Efi Pylarinou, 💯 Jim Marous, Paolo Sironi, and Richard Turrin. Together, they unpack the rise and fall of branch banking, and why digital-first banks are setting the pace. From Brazil’s Nubank, now serving 123 million customers, to PIX transforming payments for 85% of adults, the data tells the story: 👉 Branch-based economics no longer scale. 👉 Digital acquisition wins on cost and speed. 👉 Real-time rails like PIX and CBDCs will define the future. 🎧 Tune in as we dive into Brett King's new book, Branch Tomorrow, with the contributing writers behind this startling new work. Explore what’s next for banks that want to remain relevant in a digital-first world: https://bit.ly/468tYZZ hashtag#Fintech hashtag#BankingTransformation hashtag#DigitalFinance hashtag#FinancialInclusion

Why Gen Alone Won't Power the Bank of the Future The future of banking demands more than legacy systems like Gen. To stay competitive, banks need platforms that are: ⦁ Cloud-native and API-first ⦁ Agile enough to launch products in weeks, not years ⦁ Built for resilience, compliance and scalability ⦁ Designed to meet rising customer expectations and outpace fintech challengers This is the destination. But for many banks today, Gen remains the starting point. In our article, we explore the 5 Rs of Gen modernisation - the strategic pathways that help banks evolve from legacy to next-gen, without compromising the reliability their core systems depend on. Because the real question isn’t if banks modernise. It’s how fast they can do it. Read the article here:https://lnkd.in/ef6wRyDb #FutureOfBanking #Fintech #DigitalTransformation #LegacyModernisation #GenModernisation #TXP

🚀 𝐓𝐡𝐞 𝐞𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐨𝐟 𝐜𝐨𝐫𝐫𝐞𝐬𝐩𝐨𝐧𝐝𝐞𝐧𝐭 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐢𝐬 𝐡𝐞𝐫𝐞. #RoadToSibos: Correspondent banking is undergoing a fundamental and pivotal shift — from slow, fragmented, and manual processes to a real-time, data-rich ecosystem that connects fiat, tokenised, and digital currencies. At Deutsche Bank's Institutional Cash Management (ICM), we see the transformation being powered by 3 key pillars: 1️⃣ Distributed Ledger Technology (DLT): As a founding investor in Partior, we are pioneering instant, atomic settlement across borders. This delivers greater speed, efficiency, and trust for our clients. 2️⃣ Artificial Intelligence (AI): AI is now essential for the future of finance. We use it to optimise everything from payment routing and liquidity forecasting to risk management and operational efficiency. 3️⃣ Innovation and Open infrastructure: The future is collaborative. Through our dbX platform and fintech partnerships, we are building an open ecosystem to deliver embedded, client-centric solutions faster. 🎥To discover Deutsche Bank’s vision for global correspondent banking, watch the first episode of our 3-part video series in partnership with The Asian Banker, spotlighting our Global Head Institutional Cash Management, Patricia Sullivan.

Neo and Challenger Bank Market to Hit $875.6 Billion by 2035, - openPR.com: The global neo and challenger bank market (Neo- und Challenger-Bankenmarkt) has been expanding at an extraordinary pace. Valued at USD 88.5 billion in ...

I am speaking at @European Digital Finance Conference organized by @The Banking 50, on November 27 in Amsterdam. The European Digital Finance Conference is the leading banking and fintech event in Europe, bringing together top banks and major financial services providers. Agenda: https://lnkd.in/e4DzJ3AM Main topics: Lending, AI, Innovation & Digital Transformation, Fraud Prevention. Instant Payments is becoming more and more the standard for payments across the globe, with as next step connecting Instant Payments schemes around the globe through the one-leg-out (OLO) arrangements to be able to offer one of the most immediate and scalable opportunities to improve cross-border payments. #EDFC #TheBanking50 #instantpayments #crossborderpayments #deutschebank #DigitalFinance #Innovation #GenAI #DigitalTransformation #Lending #FraudPrevention #CBDC

In financial services today, speed is everything. Consumers won’t wait months for new features—76% say they’ll switch to a competitor for better digital services. Yet legacy systems and long development cycles continue to hold many institutions back. Galileo’s Cyberbank Digital platform helps banks cut time-to-market from months to weeks with pre-built components, API-first integration, and cloud-native scalability. The result: faster launches, quicker revenue recognition, and the ability to stay ahead of fintech challengers. Read how financial institutions can accelerate innovation and deliver the digital experiences customers expect: https://lnkd.in/g9629nKn #DigitalBanking #BankingInnovation #FintechStrategy

Insights from the Deposit Conference in Denver: The conversations highlighted a clear strategic dilemma for community banks: how to balance the need for innovation and growth with an ever-growing burden of compliance and risk. Key takeaways: Compliance is the top concern. Especially with AI and the way to navigate this without stifling innovation. Trust is a competitive edge. Community banks are successfully leveraging personal service, local knowledge and relationships particularly with commercial clients The digital paradox. Banks are solving the disconnect between customers wanting a local branch and banking digitally by making UI a top priority. They're still working to "crack the code" on commercial offers. Balancing risk and growth. Opportunities like Banking as a Service (BaaS) require trusted and selective partnerships that allow for growth without excessive risk. The future for community banks lies in leveraging their unique strengths while investing in technology to solve these core opportunities and challenges. Shoutout to our wonderful panelists for an engaging discussion as well as to Chris Nichols and SouthState Correspondent Division for inviting us to participate. Josh Fogle, CTP Len Devaisher Kelly Dulle Helen Pavalko #CommunityBanking #Fintech #Innovation

Your local bank branch: here today, gone tomorrow? Why? Brett King and Efi Pylarinou break down the simple economics behind the decline of branches worldwide. The cost of acquiring customers through digital is dramatically cheaper than through physical locations, which makes the case for branches weaker year after year. But if everyone goes branchless, how do banks stand out? What digital experiences are necessary to create customer acquisition and loyalty in a digital-first world? A special thanks to this week's sponsor, Fin.AI! AI agents for the world of financial services. #Fintech #DigitalBanking #AIinFinance #BranchTomorrow #FinancialInclusion #BreakingBanks Link to the full episode: (Link in comments)

💡 When you fly, the passengers around you in the same class have probably paid almost completely different prices for the same ticket. ✈️ 🔄 Similarly, dynamic pricing can be used in banking, combining data, machine learning, and instant personalization. The result? The right offer at the right time for the right customer. ✔ Amplifi Capital boosted offer acceptance rates by 30% thanks to this. ✔ Equa bank's pricing model was able to bring added value for nearly 70% of its customers. Dynamic pricing isn’t the future. It’s already happening. And it brings higher revenues, happier customers, and fast ROI to banks and fintechs alike. 👉 Read the full commentary on dynamic pricing by our colleague Dominik Matula here: https://lnkd.in/eYARMpeq

Are banks with prehistoric legacy systems just screwed when it comes to going digital? (After all, wasn't it the inability to quickly go digital that led to the rise of fintechs?) As Brett King and Bruno Diniz explain, many big banks tried to launch digital divisions. Some worked, most didn’t. Because digital isn’t just a channel, it’s a new way of operating entirely. But the shift is no longer optional. Learn more on the latest episode of Breaking Banks, and read Brett King's new book, "Branch Tomorrow," for expert analysis on the disappearance of the branch bank: https://lnkd.in/g9bj4aRY #Fintech #DigitalBanking #BranchTomorrow #PaymentsInnovation #FinancialInclusion