Picture a mid-size, well established bank. Its existing base is demographically older, branch-loyal, and profitable today. Its growth ambition depends on looking credible to a younger, digitally native audience that has never set foot in a branch. Every investment decision pulls in a different direction depending on which customer the bank is optimizing for.

Rather than a straight panel, this roundtable works through a shared fictional case: participants are given the bank's constraints and have to debate out where it should spend its next transformation budget, forcing the trade-off the industry usually avoids naming directly.