In the weekly “Banking Reinvented” podcast, host Tim Rutten welcomes Backbase CEO and Founder Jouk Pleiter and other senior banking leaders to explore how banks can go beyond survival and progressively modernize their operations.
Learn more about the importance of Engagement Banking, the impact of AI, the challenges of re-architecting legacy banking systems to match customer-centric models, and much more.
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Episode 14 of the ‘Banking Reinvented’ podcast provides valuable insights into the evolving role of data as it continues to shape the future of banking. This time, host Tim Rutten is joined by Thomas Fuss, CTO of Backbase, to talk about how data is essential for banks as they shift from transactional institutions to delivering personalized and proactive services. Discover the key challenges banks face with legacy systems, the potential of data-driven insights, and the importance of adopting a progressive approach to data management. Curious to find out more about customer-centric banking? Follow us on LinkedIn: -> Backbase -> Jouk Pleiter -> Tim Rutten -> Thomas Fuss Step into the future of finance -> Check out our content hub (00:00) - Welcome to the ‘Banking Reinvented’ podcast (03:14) - Thomas Fuss’s journey in digital banking, ING, and Payconiq (07:51) - The rise of neobanks like Monzo and the effect on traditional banking (13:49) - Challenges posed by legacy systems in using data (16:02) - Adopting a progressive approach to data management in banks (20:18) - How data-driven insights improve customer experience and engagement (25:42) - The importance of democratizing data across banking organizations (27:35) - Key takeaways (32:51) - Episode wrap-up
Episode 13 of ‘Banking Reinvented’ explores how banks can achieve sustainable growth by using an anchor platform. Once again, Tim Rutten is joined by Backbase Founder/CEO Jouk Pleiter, and together they discuss the key decisions leadership teams face when simplifying IT and modernizing customer journeys for growth. They emphasize the need for a unified platform to increase efficiency and improve the customer experience. Discover how banks can compete with digital-first challengers like Revolut and how they can challenge the status quo to adopt a transformative mindset in their banking operations. Curious to find out more about customer-centric banking? Follow us on LinkedIn: -> Backbase -> Jouk Pleiter -> Tim Rutten Step into the future of finance -> Check out our content hub Timestamps: (00:00) - Welcome to the ‘Banking Reinvented’ podcast (01:40) - Banking innovations in emerging markets (02:45) - Using a platform to drive growth in banking (04:20) - Leadership decisions in simplifying IT systems for growth (06:16) - The importance of agility and unified platforms in optimizing sales and service (10:02) - Balancing digital solutions and human interactions in modern banking (12:26) - How platforms like Uber and Netflix are models for banking (16:00) - The need for a paradigm shift and simplification in banking operations (20:28) - Key takeaways (23:23)- Episode wrap-up
Episode 12 of Banking Reinvented explores a key dilemma that many financial institutions are facing: choosing between buying ready-made technology solutions or building bespoke systems in-house. Together, Tim Rutten and Backbase CEO Jouk Pleiter discuss the evolution of this decision from an "either/or" choice to a more integrated "buy-plus-build" strategy. They highlight how organizations can use pre-built platforms while still customizing components to maximize efficiency and differentiation. Tune in to explore the economics, trade-offs, and long-term value of both approaches in order to modernize progressively and avoid technical debt. Curious to find out more about customer-centric banking? Follow us on LinkedIn: -> Backbase -> Jouk Pleiter -> Tim Rutten Step into the future of finance -> Check out our content hub Timestamps: (00:00) - Welcome to the ‘Banking Reinvented’ podcast (02:41) - Overview of the traditional buy vs. build trade-offs (03:40) - The limitations and inefficiencies of the traditional buy and build models (05:55) - The advantages of buying technology solutions (08:53) - The risks and challenges of building in-house (10:00) - The benefits of verticalized platforms for banking (12:00) - How progressive modernization can help banks avoid technical debt (14:20) - The role of AI in potentially accelerating the build process (18:30) - The importance of orchestration in differentiating customer experiences (20:30) - Key takeaways (24:24) - Episode wrapup
Episode 11 of ‘Banking Reinvented’ offers insights into the critical role that polyglot architecture plays in modernizing your banking systems. This time, Tim Rutten is joined by Marco Santarelli, VP of Channels at Backbase, to discuss the complexities of a modern banking architecture, the importance of choosing the right technology, and the risks of fragmented systems. Tune in to explore how your bank can adopt a more flexible and composable architecture that supports incremental modernization. Curious to find out more about customer-centric banking? Follow us on LinkedIn: -> Backbase -> Jouk Pleiter -> Tim Rutten -> Marco Santarelli Step into the future of finance -> Check out our content hub Timestamps: (00:00) - Welcome to the ‘Banking Reinvented’ podcast (03:38) - Introduction to polyglot architectures (06:03) - Comparing traditional and polyglot architectures (12:04) - How a polyglot architecture affects front-end and mobile development (19:24) - Trade-offs of a polyglot architecture (25:31) - Modernizing progressively with a platform-based approach (29:00) - AI and Python driving the adoption of polyglot architecture (32:38) - Key takeaways (36:04) - Episode wrap-up
Episode 10 of the Banking Reinvented podcast highlights one of the most critical and complex issues in banking today: integrations. Tim Rutten welcomes a new guest, Roland Booijen, General Manager of Ecosystems at Backbase. Together, they discuss how financial institutions can optimize their digital operations by addressing the challenges of integrating various banking systems and fintech solutions. Discover why banks are spending up to 70% of their IT budgets on integrations, and learn how adopting modern, cloud-native solutions can reduce these costs while boosting agility and innovation. Curious to find out more about customer-centric banking? Follow us on LinkedIn: -> Backbase -> Jouk Pleiter -> Tim Rutten -> Roland Booijen Step into the future of finance -> Check out our content hub Timestamps: (00:00) - Welcome to the ‘Banking Reinvented’ podcast (03:13) - Market dip and lack of engagement from banking apps (05:01) - Defining integration complexity in banking (06:58) - Hidden costs and challenges (08:55) - Banking systems that require integration (16:03) - Integration strategies and tools (ESBs & iPaaS) (20:24) - The rise of vertical iPaaS solutions (25:41) - Unified data models in banking (27:56) - Key takeaways (32:14) - Episode wrap-up