The End of Product Banking: Competing in a Relationship Economy

In this episode of Banking Blueprints, host Cameron Smonk is joined by Kathleen Woodard, Head of Banking Industry Advisory, Americas at Microsoft, and Carson Kotnyek, Head of Industry Advisory at Zafin, to explore why the future of banking belongs to institutions that truly understand their customers. The conversation dives into why product-centric banking is reaching its limits, how AI and agentic workflows are enabling a new era of relationship banking, and what banks need to do to unify customer data, personalize experiences in real time, and compete with digital-first challengers like Revolut and Wealthsimple. You'll also hear practical advice on modernizing operating models, accelerating innovation, and embedding AI into everyday decision-making. Learn more about Zafin: https://www.zafin.com #Banking #AI #RelationshipBanking #DigitalBanking #FinancialServices #BankingTransformation #Microsoft #Zafin #AgenticAI #Fintech