The branch was never the point. The future of finance is code.
Finance is moving from branch-and-vault to mobile, embedded, API-driven, AI-enabled and real-time. The institutions that win are learning to think like technology companies.
Finance is moving from branch-and-vault to mobile, embedded, API-driven, AI-enabled and real-time. The institutions that win are learning to think like technology companies.
Pre-2006 work included RBC, TD, CIBC, BMO, Canada Trust, Hudson Valley Federal Credit Union, credit-union leagues across North America, Yorkton Securities, ScotiaMcLeod, GBC Asset Management, KPMG and professional finance organizations.
Online banking, wealth, governance, credit unions and digital customers.
Mobile banking, just-in-time business banking and post-crisis innovation.
Smartphones become wallets; fintechs and platforms invade banking.
Open banking, data, automation, digital wealth and platform finance.
AI agents, quantum risk, embedded finance and machine-speed decisions.
These are directions, not canned speeches. Each keynote is customized around the room, strategic issues and decisions ahead.
Mobile, AI, fintech, APIs and the digital customer.
From automation to cognitive finance.
Embedded finance and category blur.
Cashless behaviour, wallets, payments and new rails.
Generational transfer, digital advice and changing trust.
Risk, controls and decision latency in a machine-speed world.
The future arrives through multiple overlapping shifts, not one technology in isolation.
Automation moves from back office to decision support and autonomous workflows.
Startups win by solving one customer problem with obsessive focus.
Finance becomes a platform others can build upon.
Payments disappear into phones, apps, vehicles and commerce flows.
Robo-advice, transparency and generational wealth transfer reshape advice.
AI fraud, cyber risk and quantum computing challenge legacy controls.
The strategic advantage is recognizing which assumptions have expired, building capacity to experiment, and moving fast enough to matter.
A board does not need another technology lecture. It needs to know which assumptions are expiring, which questions it should be asking and where judgment matters most. That is why Jim builds the keynote around the decisions the people in the room are actually responsible for.
Shaping the Future, Trustee to Trustee: how a broad future-of-change brief became a focused conversation for pension trustees about governance, assumptions, judgment and the decisions they must make in a faster world. 18-month decisions. 70-year promises.
See the full brief → All 2027 BriefsA sampling of the banks, credit unions, investment firms and financial institutions Jim has worked with.
More client logos being added.
Different client. Different room. Different strategic problem.
Global banking technology and business-model disruption.
Board and executive strategy on demographics, technology and member expectations.
Mobile, smartphone payments and non-bank competitors - calls that became mainstream.
VISA, American Express, Discover, Elavon and financial technology ecosystems.
Decades of work across the organizations shaping this sector.
Scotiabank • RBC • BMO • TD Bank • CIBC World Markets • Wells Fargo • Enterprise Bank • Deltec Bank • Fidelity Bank • American Community Bankers Association • Allegacy Credit Union • Texas Credit Union League • Credit Union Direct • T. Rowe Price • E*Trade • AEA Investors • VISA • American Express • Discover Financial Services • Elavon • Finastra • KPMG • Deloitte • EY • CPAmerica
Client calls, industry research, event objectives, trend analysis and current developments are built into the keynote.
You do not need a finished brief. Tell Jim who is in the room and what is changing fastest around them.