How can a century-old bank reinvent itself to operate with the speed and mindset of a startup? In this episode, Annerie Vreugdenhil, CCO for Personal and Business Banking at ABN AMRO, joins the conversation to unpack how one of the Netherlands’ largest incumbents is reshaping its approach to growth, innovation, and customer engagement.

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The episode explores how ABN AMRO is balancing its legacy core with a bold multi-brand strategy, from integrating neobroker BUX to launching BUUT, a next-generation banking app designed for Gen Z and Gen Alpha. We discuss what it takes to build and scale new ventures within an established institution, how to navigate build-versus-buy decisions, and why designing for digitally native customers requires a fundamentally different approach to financial services.

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We also look ahead to the role of AI in banking, including the emerging concept of agent-to-agent interactions, and what foundations banks need to put in place today to stay competitive tomorrow.

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This conversation offers a practical perspective on how incumbents can move beyond incremental change and reimagine banking for the next generation. Listen here.