"When it comes to Gen AI, we can explore some truly fun and disruptive use cases. Ultimately, the banking experience isn’t isolated from the experiences users have with platforms like Netflix. Once disruption happens in one sector, customers begin to expect the same level of seamless, intelligent service everywhere—including in banking. I’m confident we’re heading in that direction."

Looking ahead, Xavier is confident that banking is shifting toward AI-driven personalization, subscription-based services, seamless digital experiences, and embedded finance—and he’s excited about the opportunities this transformation brings to the industry.

From a leadership perspective, he highlights the importance of continuous learning and shared success. In such a fast-evolving industry, he credits his team's support as a key factor in his journey to where he is today.

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