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Throughout his 40-year career, Nathan Bostock has seen the financial services industry change in big ways—and has used these changes to his advantage to usher in the next era of banking. He has led multiple full-scale transformations across several companies, including during his tenure CFO and CEO of Santander UK and during his time as chief revenue officer and CFO of the Royal Bank of Scotland. In this episode of Talking Banking Matters, McKinsey partner Basab Mitra sits down with Bostock to discuss transformations in banking and how digitalization plays a part in these changes, and what C-suite leaders should consider when approaching these initiatives. An edited version of their conversation follows.

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The payments sector equity analyst discusses the industry’s evolution in the context of dwindling cash-to-card conversion, technological advances, and tighter credit markets.

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The founder and CEO of digital identity verification and fraud prevention platform Socure describes the challenges and opportunities of AML, KYC, and identity fraud prevention.

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The payments company founder shares how he built an industry-disrupting company, why he handed off to a successor, and how he sees the industry’s future.

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Neobank founder and technologist Anne Boden talks about the changes in the banking landscape that prompted her to start a new institution from the ground up.

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An e-commerce veteran brings payments industry tech to the business of food assistance for low- and no-income people, promising easier grocery shopping and broader choices.

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Pagaya cofounder Gal Krubiner talks about making “life-changing” financial products available to more people, and why starting a business with friends makes sense.

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