Nick Cowell

speaker

194 appearances 1 recordings 1 series first heard Aug 2026 last heard 4 Aug

Nick Cowell’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

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Banking Transformed with Jim Marous · Banking 2050: Who Owns the Customer? · 4 Aug 2026 podcast

There's three things which really spring to mind, actually.

I think one is, we touched on a little bit earlier, is set the foundations.

And these are like no regrets moves.

So you're modernizing your core banking platform, modernizing your banking architecture and infrastructure.

I think second is get your APIs ready.

They have to be real-time.

They have to be clean.

They have to be easily exposed.

And then I think there's other things such as how do you need to pivot your organization in terms of AI fluency, AI adoption, but also all the cultural organizational shifts around how you innovate in terms of product and service, et cetera, which will bode well for you today, but also helps you set you up for the long term.

I think the other thing is really around taking a really hard look at your

How you engage customers and how you segment customers and what that means in terms of engagement models, the types of experiences those customers get, the types of insights they get.

And then, you know, we talked about how you balance your digital and physical distribution models for banks who have them.

I think, sought for that now because we're seeing continued shifts in societal shifts and society continues to evolve in ways that we would have never predicted before.

And I think customers are continually demanding hyper-personal, hyper-contextual, always-on experiences.

And banks need to really adapt to that, not just in terms of how they show up, but also how they price, how they construct products and outcomes, and then how they provide advice.

Yeah.

So the way we've constructed our 2050 Banking Beyond series is we've brought

a number of thought leaders across different domains within Deloitte to help shape our predictions around what retail banking could look like in 2050.

Will we drip feeding those predictions so we'll have content and programming around one prediction every month for the next 12 months?

And then we're also going to be inviting engagement, conversation, even credible challenge from industry leaders, whether they be top voices like yourself, retail banking executives, other non-bank executives, et cetera, as we go.

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