Why Can’t Banks Work Like Żabka, Netflix or Uber? What Finance Can Learn from Other Industries

Are banks still setting the direction of innovation, or is the future of customer experience in finance being shaped by retail, telecommunications, entertainment, and other digital industries? In this panel discussion, Jakub Wyparło from Żabka, Daniel De La Fuente from Tipico, and Rahil Moradi from Vodafone Intelligent Solutions join moderator Patrycja Leszek-Królikowska from Ailleron to explore innovation and customer experience beyond the financial sector. The conversation examines the solutions developed by Żabka, Tipico, and Vodafone and considers what banks and other financial institutions can learn from them. The panelists discuss how companies outside finance design digital experiences that build trust, combine convenience with reliability, and foster lasting customer relationships. Key topics include brand predictability, transparency in the use of customer data, personalization, and the ability to translate complex processes and information into simple, understandable experiences. A central part of the discussion focuses on regulation and its role in customer experience innovation. Do regulatory requirements genuinely hold companies back, or do they sometimes become a convenient excuse for organizations that lack the courage to change? The speakers examine how regulations can strengthen customer protection, accountability, competition, and user control without preventing organizations from designing simple and accessible experiences. The conversation also explores customer experience innovations that are already standard in other sectors but remain largely absent from banking. These include eliminating unnecessary steps instead of merely accelerating them, improving self-service, and providing more personalized digital experiences. This session offers valuable insights for professionals in banking, leasing, lending, and fintech who want to design simpler, more intuitive, and more trustworthy customer experiences by learning beyond the boundaries of their own industry. This panel was recorded during Ailleron Innovation Forum 2026, organized by Ailleron SA, on September 4, 2026. Panelists: Jakub Wyparło, Daniel De La Fuente, Rahil Moradi Moderator: Patrycja Leszek-Królikowska Companies: Żabka, Tipico, Vodafone Intelligent Solutions, Ailleron Event: Ailleron Innovation Forum 2026 Organizer: Ailleron SA Date: September 4, 2026 🔔 Subscribe to the Ailleron channel for insights on customer experience, banking, AI, digital product design, fintech, leasing, and digital transformation. #Ailleron #AIF2026 #CustomerExperience #CX #UX #Banking #Fintech #DigitalBanking #Innovation #DigitalTransformation #ProductDesign #UserExperience #Żabka #Tipico #Vodafone #FinancialServices