The hybrid wealth journey: expanding access to holistic advice with Danske Bank’s Mindaugas Vaičiulis

Episode 86 of Banking Reinvented explores how wealth management is evolving from an exclusive service for the ultra-wealthy into an accessible, personalized experience for broader client segments.Host Tim Rutten sits down with Mindaugas Vaičiulis, Head of Technology and Senior Vice President at Danske Bank, where he leads the Wealth Planning & Investments Tribe. Together, they discuss how digital innovation is democratizing wealth management, what a truly seamless hybrid model looks like when digital and human advisory work as one continuous experience, and how banks can deliver hyper-personalization at scale without losing the trust and empathy that define great advisory relationships.Tune in to hear how technology is reshaping the advisory value proposition and what it takes to make high-quality investment guidance accessible across all client segments.–Curious to find out more about customer-centric banking?Follow us on LinkedIn:-> Backbase-> Jouk Pleiter-> Tim Rutten-> Mindaugas Vaičiulis-> Danske BankStep into the future of finance -> Check out our content hubTimestamps(00:00) – Welcome to the "Banking Reinvented" podcast(00:26) – Introduction to Mindaugas and Danske Bank(04:00) – Democratizing wealth management(07:56) – Differentiating across channels(10:32) – Human vs. digital experiences(14:06) – The role of AI in wealth management(19:16) – Bringing the “segment of one” to life(25:43) – The optimistic and pessimistic views on AI(31:36) – Owning the client experience(33:52) – Episode wrap-up