How does a bank that has been around for over two centuries build with the speed of a startup? In this episode of Fintech Files from BCG Platinion, we’re joined by Annerie Vreugdenhil, Chief Commercial Officer for Personal and Business Banking at ABN AMRO, to explore how one of the Netherlands’ largest incumbents is rethinking what a bank can be – and who it’s for. From acquiring a neobroker to launching a neobank built from the perspective of Gen Z in just twelve months, Annerie shares the strategy, the trade-offs, and the lessons other banks can take from it. Discussion Highlights: The Multi-Brand Bet: How ABN AMRO is running challenger brands like BUX and BUUT alongside the main bank.Designing for the Next Generation: Building financial products for customers who grew up on TikTok and Instagram, and how BUUT is tackling financial literacy for Gen Z and Gen Alpha.Innovating from Within: What it really takes to launch a new product inside a large institution.Build, Buy or Partner: How ABN AMRO decides what to build itself and what to source externally.The Agentic Future: Why Annerie believes the next frontier for AI in banking is agent-to-agent banking, and what financial institutions need to put in place now to be ready.About Fintech Files: Join us on Fintech Files from BCG Platinion as we explore the cutting-edge trends disrupting Fintech today. From NeoBanks to cryptocurrency, we delve into the dynamic landscape of financial technology through insightful conversations with global disruptors. We’ll uncover the most groundbreaking trends shaping the future of Fintech and examine their impact on the financial world. We focus on real-world examples, making financial technology relatable and accessible to both Fintech enthusiasts and professionals alike. Hosted by Annika Melchert, a Principal currently based at BCG Platinion in the Middle East, and Nora Hocke, a Principal currently based at BCG Platinion in Sydney, our hosts bring expertise in tech transformations, platform architecture, and digital innovation. Annika and Nora work with Fintechs and incumbent banks, and together they offer unique insights into the evolving financial landscape, drawing on their wealth of experience with leading organizations. Bianca Lopes is an entrepreneur and economist from Brazil with a background in digital identity and biometrics. Having supported over 40 financial institutions and eight governments, Bianca’s work reshapes technology, reimagines identity, and drives innovation.