The impact of startup culture in financial services has changed the role of fintech companies in dramatic and unexpected ways over the past several years. While most banks no longer view fintech companies as the direct threat they once did, the relationship between the two remains complex as partnership and participation increasingly move up the agenda. Choosing to partner with a fintech company remains a sound decision in many technology areas, but this opens up a host of challenges and opportunities for all players involved in the constantly evolving fintech ecosystem. This panel will provide insight on how banks can navigate the shifting landscape and effectively develop their own fintech ecosystem. Topics to be discussed include:

• Changing partnership models—from bilateral agreements to API-driven microservices
• The bank as a fintech firm, and how banks are turning themselves into innovators and providers of services to fintech startups
• Who owns the customer, and how this impacts revenue models
• Regulatory compliance and oversight, and whether banks are still the adults in the room