I'm excited to welcome Pål Krogdahl, Director of Technology Strategy and Advisory Services at Samlink, to the Banking Transformed podcast. Pål recently co-authored an insightful report titled "Banking Outlook: Navigating the Transformative Trends in Banking," providing an in-depth look at the key forces reshaping the industry. From economic conditions to emerging technologies, competitive dynamics to customer behaviors, this report explores the most pivotal trends on the horizon for 2024. With over 20 years of experience advising banks on digital transformation and technology strategy, Pål shares his expert perspectives on the defining challenges and opportunities ahead for financial institutions, and how technology factors into strategies for remaining relevant amid digital disruption.