S5 E8 Fintech Files - Next-Gen Banking

CCO Annerie Vreugdenhil shares how ABN AMRO is driving innovation through neobanks, multi-brand strategy, and AI, and what it takes to build and scale new ventures from within.
Podcast
March 25, 2026

How can a century-old bank reinvent itself to think and move like a startup?

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In this episode of Fintech Files, Annerie Vreugdenhil, Chief Commercial Officer (CCO) for Personal and Business Banking at ABN AMRO, shares how the bank is reshaping its approach to growth, innovation, and customer engagement.

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From integrating neobroker BUX to launching BUUT, a Gen Z-focused app in just twelve months, we explore what it takes to build and scale new ventures from within, along with key build-versus-buy decisions and what’s next for AI in banking, including the rise of agent-to-agent interactions.

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A practical look at how incumbents can move beyond incremental change and reimagine banking for the next generation. Listen here.

https://www.youtube-nocookie.com/embed/QAg48XnoIX8
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Phil Gerrard

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Tom is an Engineering Lead based in the London office. He has vast experience delivering products and services with a human centered approach – including artificial intelligence solutions at scale and new startup ventures across a wide range of industries. Covering topics ranging from privacy enhancing AI to digital consortium design, he brings expertise in open innovation’s evolving role in solving high impact issues such as climate action, healthcare and online privacy.

Annika Melchert

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Annika Melchert is a Principal in the Riyadh Office and the podcast co-host of Fintech Files Podcast.

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As an expert in modern banking, she guides fintechs and incumbent banks on their technology build, integration strategies, and digital transformations.

Nora Hocke

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Nora is a member of the BCG Platinion Agile chapter and the Neobank and FinTech initiative and Co-Host of the Fintech Files Podcast.

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Nora is an expert in IT strategy and agile ways of working. By combining her expertise in banking and emerging technologies, she has delivered IT strategies, next-gen target architectures, and agile operating models for fintech and incumbent banks across the globe.

Bianca Lopes

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Originally from Brazil and currently based in Denmark, Bianca is an entrepreneur and economist with a remarkable background in digital identity and biometrics.

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Throughout her career, Bianca has supported over 40 financial institutions and 8 governments, reshaping their approach to technology, reimagining identity, and driving innovation agendas.