Exchanges at Goldman Sachs is a podcast where experts from around the firm discuss developments shaping industries, markets and the global economy
David Kostin, Goldman Sachs Research’s Chief U.S. Equity Strategist, looks back at an events-heavy week and what it means for markets in the days ahead.
Salveen Richter, lead analyst for the US Biotechnology sector in Goldman Sachs Research, talks about Pfizer’s clinical-trial results for its COVID-19 vaccine and the obstacles that still lie ahead for FDA approval and widespread distribution.
Ashok Varadhan, global co-head of Goldman Sachs’ Global Markets Division, on how markets have moved in response to the US election and what investors expect in terms of economic growth and policy agendas looking ahead.
Amelia Garnett of Goldman Sachs' Global Markets Division talks about the key conversations she's having with investors ahead of the November 3rd election.
From the 2020 virtual Builders + Innovators Summit, Goldman Sachs' Kim Posnett speaks with two founders about their resilience and adaptability leading through an unexpected year and the backdrop for entrepreneurship more broadly.
Jason Granet, head of the firm’s LIBOR transition effort, gives an update on the timing and impact of the industry-wide transition away from the London Inter-bank Offered Rate (LIBOR).
Tony Pasquariello of Global Markets gives an update on US equity performance and why 2020 has seen so much trading activity.
Jason Mathews of Goldman Sachs’ Global Markets Division explains what the futures market indicates about investors’ outlook for the election and another round of U.S. fiscal stimulus.
Mike Moran, senior pension strategist for Goldman Sachs Asset Management, discusses how COVID-19 and the resulting market volatility have impacted defined benefit pension plans and participants in defined contribution plans, and what to consider going forward.
Erin Riley of the Markets Coverage Group in Private Wealth Management discusses the two key milestones her clients are watching: the U.S. election and the potential for a COVID-19 vaccine.
Jennifer Roth of Goldman Sachs’ Global Markets Division talks about how emerging-market economies are trying to steer their way toward a recovery, and how investors are responding to those efforts.
Faryar Shirzad, global head of Goldman Sachs’ Office of Government Affairs, gives an overview of the moving parts and pieces of tech policy today and explains why these issues don’t fall clearly down political party lines.
Heather Bellini and Piyush Mubayi of Goldman Sachs Research discuss consumers’ social media consumption in the U.S. and Asia. Then, Jane Dunlevie from the Investment Banking Division discusses the state of play among her social media clients.
Heather Bellini of Goldman Sachs Research and Ryan Nolan of the Investment Banking Division talk about the role of technology in the workplace of the future. Then, Tammy Kiely of the Investment Banking Division interviews Renee James, CEO of Ampere Computing, about what she’s learned leading a tech startup through the pandemic.
Brett Feldman of Goldman Sachs Research, Adam Agress of Goldman Sachs Asset Management, and Alekhya Uppalapati of the Investment Banking Division talk about the rise of streaming and how movie theaters are adapting to the current environment.
Tony Pasquariello of Goldman Sachs' Global Markets Division explains how major stock market indices have backtracked somewhat from record highs in August – and why investors aren’t getting too worked up about it.
Three interns from the firm’s first virtual intern class share their perspectives with Bentley de Beyer, global head of Human Capital Management.
Dominic Ashcroft and Luke Gillam, co-heads of EMEA Leveraged Capital Markets in Goldman Sachs’ Investment Banking Division, talk about the “cautiously optimistic” sentiment among corporate clients.
Goldman Sachs' Chief Strategy Officer Stephanie Cohen talks with three Launch with GS CEOs about their founder journeys and lessons learned while leading through times of crisis.
Michael Cassell of Goldman Sachs' Global Markets Division talks about the cautious optimism with which investors are viewing the current equity market rally.
Katie Koch, co-head of the Fundamental Equity business within Goldman Sachs Asset Management, talks about why diversity gives investing teams a competitive edge.
In this episode of our Venture Capital Horizon series with Heath Terry of Goldman Sachs Research, we dive into the future of e-commerce and the adoption of robotics in everything from manufacturing to packaging and delivery.
Mike Siegel of Goldman Sachs Asset Management summarizes key investment trends from GSAM’s 2020 Insurance Report.
Steve Strongin discusses the future of ESG investing, based on a new report from Goldman Sachs Research.
Tony Pasquariello of Global Markets recaps the historic market rally of Q2 and institutional investors’ outlook for Q3.
Kristin Olson of the Consumer and Investment Management Division explains where investors are finding value in alternative asset classes.
Tim Ingrassia of Goldman Sachs Investment Banking Division provides an update on M&A trends.
Hari Moorthy, head of Transaction Banking, talks about how transaction banking is disrupting legacy technologies.
Lizzie Reed of Goldman Sachs’ Investment Banking Division gives an update on what’s been driving investor interest in equity markets.
Steve Strongin discusses a new framework for investing after COVID-19.
Tony Pasquariello of Goldman Sachs’ Global Markets Division provides an update on how investors are reacting to the gradual re-opening of the U.S. economy.
Margaret Anadu, head of the Urban Investment Group, provides an update on the $500 million Goldman Sachs has committed in lending capital for small businesses.
Terry Hagerty of Goldman Sachs’ Investment Banking Division talks about how COVID-19 has impacted the outlook for housing and the broader building products sector.
As volatility continues in the public markets, Meena Flynn of Goldman Sachs’ Consumer and Investment Management Division gives her analysis on the latest swings and explains how investors with permanent capital are positioning themselves.
Goldman Sachs Chairman and CEO David Solomon shares his views on the pandemic and the economic impact, alongside other of the firm’s senior leaders.
Margaret Anadu of Goldman Sachs’ Urban Investment Group talks about how the pandemic is impacting small businesses in the US, and three entrepreneurs and graduates of Goldman Sachs’ 10,000 Small Businesses program share their personal stories.
Anne Marie Darling of Goldman Sachs’ Global Markets Division analyzes the S&P 500 index’s historically fast fall into bear market territory.
In an effort to provide timely and valuable updates regarding ongoing market volatility and potential economic impacts, we’re sharing a “Market Update” call hosted by our Investment Banking Division.
Goldman Sachs’ top economists and strategists discuss revised forecasts for the US economy and the outlook for stimulus programs.
Joe Montesano, head of Americas Equity Trading for Goldman Sachs, analyzes how the coronavirus pandemic continues to add volatility to financial markets.
Goldman Sachs’ global medical director, Dr. Michael Rendel, talks about the firm’s response to the coronavirus pandemic and shares advice for how individuals can stay healthy and productive while working remotely.
The oil price war that contributed to the recent stock market plummet represents a structural shift in the energy market that will have lasting repercussions for producers around the globe, says Goldman Sachs Research’s Jeff Currie.
Heath Terry of Goldman Sachs Research shares the latest from his Venture Capital Horizons report where he dives into the emerging field of computational biology.
Sean Legister of Goldman Sachs’ Global Markets Division shares his story as well as the story behind Breakfast Bites, a monthly discussion connecting black colleagues and senior leaders.
Steve Strongin and Jan Hatzius on the lessons we can learn from past global market shocks.
Sharmin Mossavar-Rahmani on why she’s telling clients to stay invested in the stock market.
Goldman Sachs CFO Stephen Scherr reflects on the firm’s first-ever Investor Day and the firm’s forward strategy.
Goldman Sachs’ Michele Della Vigna explains his latest research on the future of energy in the age of climate change.
David Kostin, the firm’s chief US equity strategist, discusses what’s ahead for US equities in 2020.
John Goldstein of Goldman Sachs discusses the firm’s sustainability goals over the next 10 years and explains the commercial opportunity across two core themes–climate transition and inclusive growth. Listen Now
Marshall Smith, global head of healthcare investment banking at Goldman Sachs, discusses how healthcare corporations are driving growth amid macro and industry-specific uncertainty. Listen Now
From the 2019 Builders + Innovators Summit, Goldman Sachs’ Jake Siewert and Gregg Lemkau join two founders to hear their stories and talk about the current environment for entrepreneurship. Listen Now
Goldman Sachs’ David Solomon reflects on his first year as CEO, along with key priorities looking ahead. Listen Now
A conversation with Dane Holmes, Goldman Sachs’ head of Human Capital Management, and two recent interns. Listen Now
Why Does Goldman Sachs President and COO John Waldron View Himself as COO First and President Second?
John Waldron demystifies his dual-role as Goldman Sachs President and COO. Listen Now
Marty Chavez of Goldman Sachs discusses how technology is re-shaping the future of financial services. Listen Now
In a special episode featuring Goldman Sachs’ newest podcast, Top of Mind at Goldman Sachs, Allison Nathan of Goldman Sachs Research interviews experts to dive into the divergence between falling bond yields and rising equity prices. Listen Now
Prachi Mishra, India chief economist for Goldman Sachs Research, Goldman Sachs, discusses the drivers behind India’s economy. Listen Now
Heath Terry of Goldman Sachs Research explains how ride-hailing and new businesses are poised to fuel a $7 trillion global mobility market. Listen Now
Heather Shemilt and Tom Leake of the Goldman Sachs Securities Division discuss the evolution of systematic investing and what’s next for the industry. Listen Now
Back in 1999, Goldman Sachs’ Kathy Matsui first published research on “Womenomics” which explored the impact of women’s labor force participation in Japan on the country’s GDP growth. Now 20 years later, she reflects on the progress that has been made and where challenges remain. Listen Now
Margaret Anadu, head of Goldman Sachs’ Urban Investment Group, explains the latest in opportunity zone investing and the role of private capital in revitalizing America’s low-income communities. Listen Now
Steve Strongin of Goldman Sachs Research explains the findings of a new report from Goldman Sachs’ Global Markets Institute, titled “What the Market Pays For.” Listen Now
Greg Olafson and Nishi Somaiya of Goldman Sachs’ Securities Division discuss how private capital markets – in particular, direct lending to middle market companies – have evolved in Europe in the wake of the global financial crisis. Listen Now
Kevin Daly of Goldman Sachs Research discusses what’s next for emerging markets across the globe and specifically hones in on the CEEMEA region – Central and Eastern Europe, Middle East and Africa. Listen Now
Richard Manley of Goldman Sachs Research explains why integrating ESG is becoming a “business imperative” for asset managers, why Europe is leading other regions in ESG investing and much more. Listen Now
Andrew Wilson, CEO of Goldman Sachs Asset Management for Europe, the Middle East and Africa, discusses Europe’s investing environment against a backdrop of macro and political uncertainty. Listen Now
Lotfi Karoui of Goldman Sachs Research explains what today’s credit markets indicate about the likelihood of a US recession. Listen Now
Pierre Hudry, head of the Paris office for Goldman Sachs, discusses the key considerations for his investment banking clients in France, from geopolitical uncertainty to increasing shareholder activism to market stability. Listen Now
Jo Hannaford of Goldman Sachs’ Technology Division discusses tech disruption in Europe and how companies are innovating amidst political and regulatory constraints. Listen Now
Backed by big tech companies, venture capital investment in China exceeded North American VC for the first time in 2018, bringing Chinese business models to a stage and scale that “the entire world needs to pay attention to” says Piyush Mubayi. Listen Now
Making a comeback alongside higher spot prices this year will be the rapid growth in US shale, says Jeff Currie, with new pipeline capacity unlocking supply from the Permian Basin and re-anchoring the market around a fast-cycle, lower-cost New Oil Order. Listen Now
From the 2018 Builders + Innovators Summit, Dan Dees of Goldman Sachs’ Investment Banking Division joins entrepreneurs Jen Rubio of Away and Josh Hoffman of Zymergen to discuss what it’s like to start and scale a business. Listen Now
Goldman Sachs’ Stephanie Hui discusses China’s healthcare sector and where investors are eyeing opportunities. Listen Now
Goldman Sachs’ Amanda Hindlian and Sandra Lawson discuss the Global Markets Institute’s new report, entitled Closing the gender gaps: Advancing women in corporate America. Listen Now
Goldman Sachs’ Artur Tomala and Brent Watson join us to talk through Poland’s economic, business and political environment and where the growing nation fits within the broader European region. Listen Now
Alberto Gandolfi of Goldman Sachs Research joins us to talk through Europe’s sustainable energy transformation, from the declining costs of wind and solar power to the growth in electric vehicles and more. Listen Now
Sheila Patel, CEO of International Goldman Sachs Asset Management, discusses tailwinds and headwinds facing the asset management industry, including opportunities remaining for emerging market investment, ESG’s continued growth, sovereign wealth funds’ shift toward transparency and more. Listen Now
Marc Nachmann, co-head of the Goldman Sachs Investment Banking Division, joins us to talk through the key factors shaping Europe’s business climate, from corporate simplification to global trade tensions to increased scrutiny in the tech sector. Listen Now
Asia’s private equity market is reaching a scale the world has never seen before, according to Alison Mass and Brian DeCenzo of the Goldman Sachs Investment Banking Division, who share their impressions from a recent business trip to meet with clients in Asia. Listen Now
As part of our closer look at emerging economic and market themes in Europe, Sharon Bell of Goldman Sachs Research discusses the performance of European equities, exploring why growth stocks are outperforming value, how populism impacts markets, what activists see in Europe, and the outlook for the region’s stocks through the rest of the year. Listen Now
Is there a bubble in technology? Even with recent stumbles in some of tech’s biggest names, the sector’s market value dominates global stock indexes. But Goldman Sachs Research’s Peter Oppenheimer argues that today’s elevated tech values bear marked differences with tech frenzies of the past. Listen Now
As part of our close-up look at European economic and business trends, Goldman Sachs’ Wolfgang Fink discusses how Germany’s historically strong economy is undergoing a transformation adapting to the digital age. Listen Now
Adam Dell of Marcus by Goldman Sachs on how smartphones, big data and simplicity are disrupting the personal finance landscape in this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Rising trade tensions with the US should not obscure the importance of China’s progress in transforming its economy and opening its markets, says Goldman Sachs Research’s Tim Moe. Listen Now
Michael Moran, pension strategist in Goldman Sachs Asset Management, explains pensions’ rise in the US after World War II, their more recent decline and why individuals will carry a greater burden of retirement savings in the future. Listen Now
From subscription services with generous discounts on concessions to comfier theaters, the film industry is moving aggressively to get more people off their sofas and to the box office. GS Research’s Drew Borst explains. Listen Now
Heather Bellini of Goldman Sachs Research explains how Extended Reality (XR) will change our lives, and why the e-commerce & consumer sectors will be its biggest beneficiaries in the years ahead. Listen Now
As cryptocurrency volatility continues, Steve Strongin, Charlie Himmelberg and Jeff Currie of Goldman Sachs Research reaffirm their cautious stance on the long-term viability of bitcoin and other first-generation cryptocurrencies on this episode of the firm's podcast, Exchanges at Goldman Sachs. Listen Now
Jeff Gido, global head of Goldman Sachs’ financial technology sector within the Investment Banking Division, shares his views on where we are in the “three waves of fintech” and what we can expect from next-generation fintech business models. Listen Now
Steve Strongin and Amanda Hindlian of Goldman Sachs’ Global Investment Research Division discuss the state of small businesses in America, and owners from the Goldman Sachs 10,000 Small Businesses program share their biggest challenges to growth. Listen Now
Francesco Garzarelli, co-chief markets economist of the Global Macro Research team, discusses the drivers of recent market volatility and how investors are viewing a strong US macroeconomic backdrop amidst expectations that the Fed will continue to raise interest rates. Listen Now
Sharmin Mossavar-Rahmani, chief investment officer of the Goldman Sachs Investment Strategy Group, discusses the push and pull between steady economic fundamentals and unsteady undertows in the context of her team’s investment outlook for the year, titled (Un)Steady as She Goes. Listen Now
Gonzalo Garcia, co-head of the Global Natural Resources Group in Goldman Sachs' Investment Banking Division and co-head of Latin America for the firm, discusses how CEOs are responding to the secular shift toward renewable energy and also explains why clients are bullish on investment in Latin America on our podcast, Exchanges at Goldman Sachs. Listen Now
With tax reform checked off, what’s next on the US political agenda? Alec Phillips, Goldman Sachs Research’s chief US political economist, weighs in on the outlook for financial deregulation, infrastructure spending, NAFTA, and more on the latest episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Heath Terry of Goldman Sachs Research discusses the state of venture capital today, what trends are in focus for early-stage investors and what it all means for established businesses on our podcast, Exchanges at Goldman Sachs. Listen Now
Anthony Gutman of the Goldman Sachs Investment Banking Division discusses the European deal-making landscape on the latest episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Richard Ramsden of Goldman Sachs Research explains what tax reform, regulatory change and technological innovation could mean for the US financial services industry on our podcast, Exchanges at Goldman Sachs. Listen Now
Stefan Burgstaller of Goldman Sachs Research explains what the growth of ride-hailing platforms could mean for the automotive industry on our podcast, Exchanges at Goldman Sachs. Listen Now
Hugh Lawson of Goldman Sachs Asset Management is joined by Elizabeth McGeveran of the McKnight Foundation and Scott Brown of New Energy Capital to discuss sustainable investing on our podcast, Exchanges at Goldman Sachs. Listen Now
Harvey Schwartz, president and co-COO of Goldman Sachs, shares his journey from ‘Jersey kid’ to becoming one of the firm’s most senior leaders on our podcast, Exchanges at Goldman Sachs. Listen Now
David Solomon, president and co-COO of Goldman Sachs, discusses the rise in passive investing, how technology is making the world more competitive and his 35-year career on Wall Street in this episode of Exchanges at Goldman Sachs. Listen Now
José Manuel Barroso, chair of Goldman Sachs International, discusses European integration and the challenges and opportunities posed by globalization on our podcast, Exchanges at Goldman Sachs. Listen Now
Paul Russo of the Goldman Sachs Securities Division discusses how technology and regulation have changed how equity markets operate and how investors generate returns on our podcast, Exchanges at Goldman Sachs. Listen Now
Lisa Yang of Goldman Sachs Research is joined by Marc Geiger of William Morris Endeavor and Patrick Spence of Sonos to talk music’s “second digital revolution” on our podcast, Exchanges at Goldman Sachs. Listen Now
Derek Bingham of Goldman Sachs Research discusses how investors can incorporate environmental, social and governance metrics into their stock selection process on our podcast, Exchanges at Goldman Sachs. Listen Now
Richard Gnodde, vice chairman of Goldman Sachs and CEO of Goldman Sachs International, talks Brexit and its impact on the European business environment on our podcast, Exchanges at Goldman Sachs. Listen Now
Clare Scherrer of the Goldman Sachs Investment Banking Division discusses how industrial businesses are managing technology and workforce investments on the latest episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Sharmin Mossavar-Rahmani, chief investment officer of Private Wealth Management at Goldman Sachs, shares why she sees upside for US equities on our podcast, Exchanges at Goldman Sachs. Listen Now
Hugo Scott-Gall, Lindsay Drucker Mann and Christopher Wolf of Goldman Sachs Research discuss differences between the generations that make up the bulk of US consumption on our podcast, Exchanges at Goldman Sachs. Listen Now
As he departs the firm after 26 years, Gary Cohn, president and chief operating officer of Goldman Sachs, shares some of the experiences that have shaped him, and reflects on the value of diversity, the importance of perseverance and learning how to turn failure into success. Listen Now
Heath Terry of Goldman Sachs Research discusses the potential for artificial intelligence to reshape the global economy on the latest episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Alec Phillips of Goldman Sachs Research discusses what the Trump administration’s policy agenda might look like and its likelihood of advancement on the latest episode of our podcast, Exchanges at Goldman Sachs. Listen Now
A conversation on entrepreneurship and the global health and wellness movement with Tyler Haney of Outdoor Voices, Tata Harper of Tata Harper Skincare and David Solomon of Goldman Sachs, in this episode of Exchanges at Goldman Sachs. Listen Now
Harit Talwar, head of Digital Finance at Goldman Sachs, discusses the role of technology in finance and the launch of the firm’s online personal loan platform, Marcus by Goldman Sachs, on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Peter Oppenheimer of Goldman Sachs Research explains why global equity market returns are likely to remain muted as the world’s central banks continue to test the limits of monetary policy on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Michael Ronen and Dave Dase of the Goldman Sachs Investment Banking Division discuss the emergence of technology companies as key players in the media and telecom industries on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Jaakko Kooroshy of Goldman Sachs Research discusses the technologies that will underpin the low carbon economy on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Heath Terry and Matt Fassler of Goldman Sachs Research discuss what’s driving the explosive growth of e-commerce and what it means for the future of retail on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Jami Rubin of Goldman Sachs Research discusses progress in the fight against cancer and other diseases and the drug industry’s efforts to navigate concerns over pricing on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Kamakshya Trivedi, chief Emerging Markets macro strategist in Goldman Sachs Research, considers the local and global factors influencing asset prices in emerging markets around the world on this episode of our podcast, Exchanges at Goldman Sachs. Listen Now
Wolfgang Fink, co-CEO of Goldman Sachs in Germany and Austria, explains how disruptive forces are playing out across German industries, including automobiles, industrials and energy, on Exchanges at Goldman Sachs, the firm’s podcast. Listen Now
On this episode of the firm’s podcast, Exchanges at Goldman Sachs, Kathy Elsesser of the Investment Banking Division discusses corporate activity in the consumer retail space and how the industry is evolving to offer better experiences for customers. Listen Now
On the this episode of our podcast, Exchanges at Goldman Sachs, John Goldstein of Goldman Sachs Asset Management explains why more and more money managers view environmental, social and governance factors as essential to a rigorous investing approach. Listen Now
Hugo Scott-Gall of Goldman Sachs Research shares standout ideas and technologies from our second-annual Innovation Symposium. Listen Now
Heather Bellini of Goldman Sachs Research discusses the multi-billion dollar potential of virtual and augmented reality and why enterprise IT spend is shifting into the cloud. Listen Now
On this episode of Exchanges at Goldman Sachs Goldman Sachs Research’s Peter Oppenheimer weighs in on the recent rally in global equity markets, what’s ahead in the EM-centered "third wave" of the financial crisis, and more. Listen Now
On this episode of Exchanges at Goldman Sachs, Gary Cohn discusses China, the commodities cycle and the evolution of the US technology sector. Listen Now
On this episode of Exchanges at Goldman Sachs, Goldman Sachs Research's Richard Ramsden discusses the year ahead for the US banking sector, with a focus on technology, rising interest rates and increasing competition. Listen Now
On this episode of Exchanges at Goldman Sachs, Colin Coleman, head of the Investment Banking Division for Goldman Sachs in Sub-Saharan Africa, discusses key issues for South Africa and the broader region amidst a challenging environment for emerging markets. Listen Now
On this episode of Exchanges at Goldman Sachs, hear from co-head of Investment Banking David Solomon and the CEOs of Minted and Casper about entrepreneurship and staying innovative. Listen Now
Timothy Moe, co-head of Macro Research in Asia for Goldman Sachs, explains why China’s markets could be poised for a rebound and what China’s transition to a consumer-driven economy means for markets across Asia. Listen Now
Tim O’Neill, global co-head of the Investment Management Division at Goldman Sachs, on why a market needs both active and passive investors. Listen Now
Goldman Sachs Global Investment Research’s Steve Strongin and Charlie Himmelberg discuss market participants’ concerns of a liquidity drought, why market liquidity matters and what can be done to restore it. Listen Now
Heath Terry and Ryan Nash, analysts in Global Investment Research at Goldman Sachs, explore how the twin forces of regulation and technology are opening the door for a new and expanding class of competitors aiming to shake up financial services. Listen Now
Hugh Lawson, recently named global head of Environmental, Social and Governance (ESG) Investing within Goldman Sachs Asset Management, explains why so many investors are seeking to align their values with the value of their portfolios. Listen Now
On this episode of Exchanges at Goldman Sachs, Gary Cohn, president and chief operating officer of Goldman Sachs, discusses key issues impacting the global economic landscape. Listen Now
On this episode of Exchanges at Goldman Sachs, Hugo Scott-Gall, head of Thematic Research at Goldman Sachs, discusses the disruptive innovations that dominated discussion at the Goldman Sachs Innovation Symposium. Listen Now
In this episode of Exchanges at Goldman Sachs, R. Martin Chavez, chief information officer of Goldman Sachs, discusses trends in technology and how financial institutions are embracing these innovations to benefit clients. Listen Now