The Banking Scene Director's Cut

The Banking Scene

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We go behind the scenes with industry experts, sharing unfiltered conversations and exclusive insights from the frontlines of the banking industry to help YOU build the bank of tomorrow

2d ago

Open Banking & Embedded Finance in Europe: A Benelux Perspective from our 2026 research

The Banking Scene LIVE webinar preview and highlights from our latest white paper, "Open Banking and Embedded Finance in Europe: A Benelux Perspective on Regulation, Sentiment, and the Road Ahead".Rik Coeckelbergs shares an early preview of our research on open banking and embedded finance, drawing on desk research, interviews with industry leaders, and years of conference discussions. He traces the last decade from PSD2 to today, then looks ahead to PSD3, PSR, and FiDA, with a strong focus on regulation, API adoption, and the shift from data access to intelligent financial services.During this webinar, Rik covers:1) Regulations We Had - The Foundations2) Regulations to Expect - Where We Are3) Lessons from a Decade of Open Banking4) Looking Ahead - The Next Decade of Open Banking You may want to watch this one as a video in order to see the slides, although it's not entirely necessary. If you prefer to dive straight into the full white paper, you can download it from our website here.
6d ago

Generative AI for Finance Leaders: Why the Hardest Part is Not the Technology - Christophe Atten

AI is not the hard part in finance. The hard part is human judgment, governance, and knowing where generative AI actually belongs and where it absolutely does not. Christophe Atten, author of Generative AI for Finance Leaders, shares the grounded playbook finance teams need before they automate the wrong things. We sat down with Christophe to unpack why he wrote the book now, why he intentionally avoids hype-fueled AGI predictions, and why so many AI conversations miss the real problem: adoption. Christophe explains why finance leaders need frameworks that survive beyond today’s tools, not screenshots and product rankings that age out in weeks. In this episode you'll discover: 👉 Why the biggest barrier to AI is usually not technology, but people 👉 How to spot the difference between tasks that should use generative AI and tasks that should stay deterministic 👉 Why fluency is not the same as accuracy, especially when AI sounds convincing 👉 How to use human-in-the-loop review without turning it into rubber stamping 👉 Why bad data gets amplified fast, and what finance teams must fix first. If you work in banking, finance, or any regulated environment trying to make generative AI useful without losing control, this episode gives you the clarity, caution, and practical direction you need. Essential listening if you want to get AI working on Monday morning, not just looking impressive on stage. You can find a summary article of the key insights and takeaways from the interview on our website here.
Sep 30

Open Banking Reality Check: What PSD2 got Right and Wrong over the last decade of #openbanking

PSD2 did not deliver the open banking revolution everyone expected, but it did something more important: it built the infrastructure, ecosystem, and mindset Europe now depends on. In this episode, Rik Coeckelbergs speaks with Karl Illing, Executive Partner Payments and Open Banking at MSG for Banking, about what PSD2 actually achieved, where open banking fell short, and why the next wave of open finance could be shaped by AI as much as regulation. The conversation focuses on the real-world value created by PSD2, the limits of regulation-by-prescription, and what a workable future for FiDA could look like. If you prefer to read instead of watching or listening, you can find a summary extract of the interview on our website here.
Sep 21

Regulation vs Innovation: What's Truly Shaping the Future of Payments? Insights from our BBQ Night

Regulation and innovation are not opposing forces so much as two hands on the same steering wheel, occasionally fighting for control, but ultimately needed together if European payments are to remain safe, competitive and sovereign. Rik and Andrew discuss their favourite highlights from the event, along with the key takeaways outlined in the summary article you can find on our website here. There's a bit of bonus content this week in the form of a video from the CEC that was shown on screen before the panel session. If you work in a bank, it will resonate with you!
Sep 16

Lauren Jones of Paylume on The Future of Open Finance, PSD3, FiDA, AI and Global Utility Models

In this episode, Rik speaks with Lauren Jones, Open Banking Lead at Paylume, about the past, present, and future of open banking in Europe. They break down what PSD2 achieved, where adoption still lags, and why the next wave of regulation may need stronger standards, better governance, and a clearer commercial model. Lauren also shares why AI and open finance could finally make the user experience more meaningful for consumers. If you prefer to read instead of watching or listening, you can find the full interview transcript on our website here.
Sep 15

How PSD2 opens a bigger market for Isabel with open banking

Rik Coeckelbergs speaks with David Demerie, Chief Marketing and Sales Officer, and Guillaume Boland, Head of Product Management at Isabel, about PSD2’s real impact, the promise of PSR standardisation, and why trust, consent, and security will matter even more as open finance expands.In this conversation, they also discuss why the biggest opportunities may now be in embedded finance, e-invoicing, and premium APIs rather than basic data access alone and consider how Isabel has evolved from an “open banking before open banking” model into a broader data-sharing platform. If you prefer to read instead of watching or listening, you can find the full interview transcript on our website here.
Sep 7

Who tests the AI? Why Banks Need a New Assurance Model for Intelligent Banking

This conversation with Samet Varlik, Head of Sales at Expleo Group focuses on how banks should test, govern, and monitor AI systems that are probabilistic rather than deterministic. The key takeaway is simple: once AI can change records, move money, or initiate actions, banks are no longer just testing software output - they are testing behaviour, responsibility, and risk. We discuss what good testing looks like for AI, why consistency and reversibility matter, and why continuous monitoring must sit alongside pre-launch assurance. The discussion also covers accountability, human oversight, stop buttons, and what evidence a bank should have before putting a name behind an AI deployment.
Sep 1

Regulation opened the door, but didn't build the market for Open Banking: Gijs Boudewijn, Chairman of the European Payments Council

In this conversation with Gijs Boudewijn, chairman of the European Payments Council, we explored what PSD2 achieved, where it fell short, and why open banking has been slower to turn regulation into real market momentum. The discussion also covers SPAA, the move from directive to regulation with PSR, the challenges around FiDA, and how AI may reshape consent, fraud, and agentic commerce. Gijs brings a long view from payments regulation and scheme design, and he explains why compliance alone never creates a market. Rik Coeckelbergs drives the conversation through the practical questions banks, regulators, and third-party providers are still trying to solve. IF you prefer to read instead of listening, you can find the full transcript on our website here.

Trailer

What The Banking Scene: Director's Cut is all about and why we do it

A short intro that Rik and Andrew recorded off-the-cuff to explain what The Banking Scene Director's Cut is all about and why they like doing it ..... and why we hope you enjoy listening to it too! Feel free to get in touch directly with one of them if you'd like to join us in the studio to share your views.

We go behind the scenes with industry experts, sharing unfiltered conversations and exclusive insights from the frontlines of the banking industry to help YOU build the bank of tomorrow

Creator

The Banking Scene
Years Active

2025 - 2026
Episodes

62
Rating

Explicit
Copyright

© The Banking Scene
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The Banking Scene Director's Cut