Welcome to RFI Global’s Banking Uncovered - the podcast that goes behind the industry PR, the media spin, the product awards and the investor reports to look at what’s really going on in the industry. Using customer data we focus on how are customers behaving, how behaviour is changing and how institutions are reacting to new customer needs. At the same time as the rapid development and enhancement of data capability, the impact of generative AI and the emergence of stronger fintech propositions, traditional banks have invested heavily in their digital capabilities. As the industry stalwarts, challengers and fintechs continue to compete in this new digital and physical world, we bring together divergent opinions and viewpoints. Talking to CEOs, founders, global experts and leaders in banks, payments, fintechs and challengers spanning the globe, we ask the big questions facing the industry. In depth interviews and panel discussions, combined with RFIs global customer data lake will ask: · What are evolving needs of customers and what are the key trends? · What are the next innovations that will meet these? · Which players are responding to new and emerging customer needs and what propositions are working? · Are new and upcoming regulations going to impact the market and how?
Episodes
Wednesday Mar 26, 2025
Wednesday Mar 26, 2025
In this episode of Banking Uncovered, we take a deep dive into the evolving financial landscape, exploring the complex relationship between cash, fintech innovation and regulatory frameworks worldwide. As digital banking and fintechs continue to reshape financial services, what does the future hold for traditional banking models, cash usage and financial accessibility?
Host Charles Green speaks to Clinton Cheng, Global Head of ATM Networks for Visa, in a research-driven conversation that uncovers key insights into how consumer behaviour, economic forces and regulatory developments are shaping the banking industry.
Key topics include:
- The rise of fintechs and the implications for cash and ATMs: The impact of the growth of fintechs like Chime, Monzo and Revolut on traditional banking, including cash access, ATM usage, pre-paid cards and travel spending.
- The response of traditional banks: How traditional banks are rising to the challenge and adapting to a digital-first world with innovative products and services.
- Shifts in consumer behaviour: How digital-only banks are changing how different demographic segments, including Gen Z, Gen X, Millennials and gig economy workers, interact with financial services.
- The cost of cash: The impact of fees, regulations, and branch closures on cash accessibility and what this means for banks and consumers.
- Fintech partnerships and cash access: How digital-first banks like Chime are partnering with networks such as Visa to provide cash access via third-party ATMs.
- Cash deposits and the role of retailers: The growing role of retail locations in enabling cash deposits for digital banks, and the potential for automation through ATMs.
- Branch optimisation: How traditional banks are redefining their branch strategies, focusing on more complex financial services while shifting basic transactions to ATMs.
- Regulatory interventions and banking hubs: How regulators in different markets are stepping in to ensure access to cash and banking services, particularly in rural areas.
And much more.
Listen now to stay ahead of the trends shaping banking’s future.
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