Rik Coeckelbergs is the Founder and Managing Director of The Banking Scene, a network organisation for bankers. He is passionate about building communities, conceptualising ideas, and enabling sustainable business models. Before his entrepreneurial journey, Rik worked for more than 10 years in the financial services industry in various roles, both as an external consultant and in internal roles in business, strategy, and marketing. In 2009, he created a LinkedIn community called "Innovation In Payments." With more than 125,000 members today, it is the most prominent payments group worldwide. Rik is a regular blogger on [...], a guest writer for third-party websites, and a commentator in the national press.

1. Introduction: We Need to Rethink Transformation.- 2. Once Upon a Time - A Short History of Banking.- 3. How digital transformation ended up being much bigger.- 4. Ethics, Ethos and the Rhetoric Triangle.- 5. The Complexity of Putting Ethos in Practice, A Few Use Cases.- 6. Don't Hide Behind Regulation.- 7. The Holy Trinity in Customer Experience.- 8. The Biggest Opportunity Since the Industrial Revolution.- 9. The Road to a New Ethos in Banking.- 10. Fast Forward: "My Life, My Bank in 2040".