Banking should feel invisible.

But making that happen? It takes intention, collaboration, and a customer-first mindset.

At #Money2020 Bangkok, Reap’s product lead, Anna Chiu moderated a high-impact panel on convergence in physical and digital #banking services — tackling the tension between legacy systems and rising digital expectations.

Key takeaways:

🔹 Convergence isn’t one-size-fits-all
🔹 The future is embedded, modular, API-first
🔹 Legacy banks don’t need to rip and replace — they can modernize incrementally
🔹 It’s not just about tech. It’s about trust, design, and meeting customers where they are. Banking needs to be obsessively human.

Huge thanks to John Medina (CEO, Philippine Bank of Communications (PBCOM)), Okan Ozaltin (CPO, 10x Banking) and Qiu Kai (CEO Designate, ANEXT Bank) for the insights — and to everyone who joined the conversation.