The explosion of fintech is undoubtable and certainly very interesting. But, the truth is that as technological disruption increasingly impacts all areas of our lives – from how we cook and eat to how we move around – banking runs the risk of becoming the biggest friction point in people’s lives. That’s the battle Scotiabank is gearing up for through its Digital Banking organization, a network of 5 Digital Factories across 5 countries made up of software engineers, user experience designers, software product managers, data scientists, digital marketers and agile practitioners. Hear from Dave Dame, Vice President of Agile for Scotiabank’s Digital Banking group, about how this longstanding organization is working hard to change its stripes.