# Follow the money? Steve Bertamini and Mukund Bhatnagar on mortgages, models, & banks without baggage

Page: https://stenobird.com/podcast/ab-majlis-6625109/follow-the-money-steve-bertamini-and-mukund-bhatnagar-on-mortgages-models-banks-without-baggage
Text version: https://stenobird.com/podcast/ab-majlis-6625109/follow-the-money-steve-bertamini-and-mukund-bhatnagar-on-mortgages-models-banks-without-baggage.md
Podcast: [AB Majlis](https://stenobird.com/podcast/ab-majlis-6625109)
Published: 2025-10-06T06:58:52+00:00
Episode link: https://rss.com/podcasts/abmajlis-arabianbusiness/2255770
Audio file: https://content.rss.com/episodes/228180/2255770/abmajlis-arabianbusiness/2025_10_06_06_56_45_db2ce8da-0b22-4c32-b144-e3ed0ac6a57a.mp3
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Duration seconds: 2859

## Resource

Gulf banks say they can leapfrog legacy rivals in the AI era — but only if they move faster. In this AB Majlis episode, host Tala Michel Issa (Chief Reporter, Arabian Business) speaks with Steve Bertamini (ex-CEO, Al Rajhi and KGI; Kearney adviser) and Mukund Bhatnagar (Partner, Kearney; Global Lead for Financial Services) on where AI is already paying off, why mortgages still need humans, and how data quality, privacy and regulators will shape hyper-personalised finance by 2030. We unpack fintech partnerships, the real threat from Big Tech, and what it will take for GCC banks to become truly AI-native — without losing customer trust.

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## Transcript

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