Allan Rayson, the chief innovation officer and chief technology officer of Encore Bank, gravitates toward nimble, up-and-coming fintechs that help Encore's commercial clients open accounts and obtain loans digitally.

CEO Mike Butler of Grasshopper Bank surveys the landscape of fintech and discusses how new developments will affect banks and their customers.

Alex Carriles, chief digital officer at Simmons Bank, shares a behind-the-scenes look at how he has developed several innovations around mobile banking, how he fosters collaboration among different teams and how he copes with really bad days.