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BNY's chief product and innovation officer is a self-described math nerd. Her affinity for applied mathematics is evident in everything she touches and the products it produces.

As the head of digital, Katz brought mobile apps into a single platform spanning banking, investments and retirement.

Hari Gopalkrishnan's mantra is "AI slop is not an option."

Gilles Gade said the bank's competitive advantage is the ability to adapt to any payment rail, market condition and technology.

The CTO led the development of a mortgage assessment tool that matches loan officers with specific customers. It's helping the community bank punch above its weight.

A culture of innovation also enabled U.S. Bank's chief information and technology officer to increase productivity, reduce operational complexity, and improve CX across digital channels.

One big initiative is the near-instantaneous HDSU, a permissioned-blockchain framework connecting digital rails moving crypto with banking's settlement system handling fiat currencies.

Scotiabank's SVP of international commercial banking led the transformation of the ScotiaConnect portal, using AI to drive double-digit gains in engagement levels.

A focus on user-centric design decluttered the bank's offerings and brought a leap in digital engagement for the 174-year old bank.

Under Barker's guidance, the bank has employed artificial intelligence, blockchain and the latest in technology to ease institutional clients' burdens.