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In this episode of Banking Transformed, host Jim Marous sits down with Carson Kotnyek, VP of Head of Loyalty and Ecosystems at Zafin, and Mike Cook, Group Head – Zafin Industry Advisors, to unpack the future of ecosystem banking. The discussion explores how banks can modernize without full core replacements, why customer behavior is driving the shift toward embedded ecosystems, and how AI and generative models are transforming product innovation, customer engagement, and transparency in financial services.