Branching Out: A Retail Banking Podcast Series

In this episode of "Branching Out," host Bill Dworsky sits down with Aisha Chandraker, Head of Fintech Research at CB Insights, for a deep dive into the dynamic fintech environment of 2026. Drawing on insights from CB Insights' "State of Fintech" and "Fintech 100" reports, the conversation explores the significant momentum in the private markets, including a surge in exit activity and venture fund...

Banking is becoming less about rates and products and more about how the experience feels. In this episode of Branching Out, host Bill Dworsky is joined by Erin Pryor of First Horizon and Deloitte's Lauren Holohan to explore how marketing, product, and experience design come together to earn trust, drive growth, and build relationship primacy in an increasingly competitive market. Erin shares how...

A landmark law is poised to transform the financial landscape, and the industry is moving fast to adapt. In this episode of "Branching Out," host Bill Dworsky welcomes David Portilla of Davis Polk and Richard Rosenthal of Deloitte for a clear-eyed look at the implications of the new GENIUS Act—groundbreaking bipartisan legislation that sets federal guardrails for payment stablecoins. Together, the...

In this episode of the "Branching Out" podcast, host Bill Dworsky welcomes Nathan Stovall, Director of Financial Institutions Research at S&P Global, to discuss the latest trends shaping retail banking. Nathan explains how new data-driven deposit rankings highlight the success of tech-savvy, digitally focused banks—particularly those excelling in commercial banking—which are both outperforming the...

In Season 2, Episode 5 of "Branching Out", host Bill Dworsky meets with Carolina Ko, a business banking executive at Bank of America, for a conversation on the evolving landscape of business banking and the opportunities it presents within retail and beyond. Carolina shares insights into her role as the business banking market executive for the Charlotte and Triad markets in North Carolina, where...

In this episode of Branching Out, host Bill Dworsky and guests Ramya Murali and Deirdre O'Connell explore retail banking customer loyalty. Ramya defines loyalty as a mutually beneficial relationship, while Deirdre emphasizes formal programs ("big L" loyalty) and broader engagement ("little L" loyalty). Insights from a consumer loyalty survey highlight the importance of exclusive partner experience...

Consumers are quickly wising up to the fact that they don't necessarily need a brick-and-mortar retail bank. Discover how fintech organizations and traditional banks are identifying innovative approaches to distinguish themselves while continuing to collaborate effectively.

Greg Murray sits down with hosts Kristin Korzekwa and Bill Dworsky to discuss how banks can expand on their business strategy to find success in the future of transaction banking.

Dave Wasik, Partner at 2nd Order Solutions, joins our hosts, Kristin Korzekwa and Bill Dworsky to discuss credit risk, loans, advancing customer experiences, and more. In 2024, we already see trends of struggle within credit for students, along with homeowners as well and this is due to elevated interest rates that slow traditional processes. Importance of advanced analytics and digital collection...

Michelle Gauchat, US head of banking and capital markets consulting at Deloitte, joins hosts Kristin Korzekwa and Bill Dworsky to discuss how 2023 has shaped retail banking strategy. Gauchat also talks about the importance of deposits and AI, challenges facing small businesses, and improving customer banking experiences. This episode explores retail banking trends, digital transformation in bankin...

Law Helie, General Manager of Consumer Banking at nCino, joins Deloitte's Kristin Korzekwa and Bill Dworsky to discuss consumer centered banking approaches. In this episode, we are provided with insights on how to provide more personalized customer experiences, especially when dealing with transactions such as consumer lending. Change management found when utilizing banking technologies have been...

In this episode, Kristin and Bill are joined by Paul Dilda, Head of Deposits, Segments and Consumer Strategy for US P&BB at BMO Harris Bank to share insights on how to deliver enhanced customer experiences and helping customers achieve real financial progress.

In this episode, Kristin and Bill are joined by Emily Abbas, Chief Consumer Banking and Marketing Officer at Bankers Trust as they discuss new approaches for cultivating community through banking efforts and banking initiatives.

Join us as we dive into conversations with financial services leaders from across the industry in a podcast series from Deloitte's retail banking practice.

In this episode, we discuss how regulatory and related macro policy trends are impacting retail banks in the marketplace and what they should consider going forward. Host Kristin Korzekwa, managing director at Deloitte Consulting LLP, is joined by Paul Sanford, an industry veteran of the CFPB, OCC and FDIC; and Tom Nicolosi, the consumer and retail banking leader for Deloitte's risk and financial...

In this episode, we take inspiration from traditional retail consumer shopping to explore common themes in retail banking. There are so many interesting parallels and intersection points between the two, and banks and retailers both can really learn a thing or two from each other as they look for ways to better serve consumers.

In this episode, we discuss customer experiences, the impact of technology in digital banking, and modern marketing in banking. Host Kristin Korzekwa, managing director at Deloitte Consulting LLP, is joined by Liz Wolverton, head of consumer banking and brand experience at Synovus, and Bill Dworsky, senior manager, Deloitte Consulting LLP.