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

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We explore how ABN AMRO is pairing its legacy core with a bold multi-brand strategy—from integrating neobroker BUX to launching BUUT, a Gen Z-focused banking app in just twelve months—and what it takes to build and scale new ventures from within.

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We also examine how the bank approaches build-versus-buy decisions and what’s next for AI in banking, including the shift toward 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.