<p>What happens when customers stop opening banking apps and start managing their finances through AI assistants?</p><p>In this episode, we sit down with Mathias Fanschek, Head of Digital Transformation and Retail Strategy at Raiffeisen Bank International, to explore how one of Europe&#39;s largest banking groups is preparing for a future of headless banking, agentic commerce and AI-powered customer experiences.</p><p>With 18 million customers across 11 markets and managing over €200 billion in assets, Mathias shares what it really takes to move generative AI from experimentation to production. We had a good discussion about virtual mobile assistants, transforming legacy data infrastructure, and managing executive expectations in a rapidly changing, highly regulated landscape.</p><p>You&#39;ll also hear Mathias&#39; perspective on Revolut&#39;s new PRAGMA model, why context is the missing ingredient in today&#39;s AI experiences and how banks can remain trusted intermediaries as customers increasingly interact through AI-powered distribution channels.</p>