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In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Richard Ullenius, Vice President of Global Banking and Financial Services at CSG, to explore why the next era of banking demands reimagination rather than incremental transformation, and the defining factors that will set leading banks apart over the next five years. The conversation covers how trust, risk, and human judgment must evolve in the age of AI-driven banking models and real-time banking, how trust can become a competitive advantage for financial firms, and how risk and compliance can act as enablers of innovation rather than constraints. Paul and Richard also dive into the critical balance between human judgment and AI automation in powering responsible banking, and how regulation can help spur innovation amid the rapid evolution of technology and shifting consumer demands. And finally, we find out what fintech buzzword Richard wants to free from our Fintech Jail!