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Saturday, February 07, 2026
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Plumery: Transforming Digital Banking Experiences

At Money20/20 Europe 2025 Cornel Dixon, Head of Growth at Plumery, shares his thoughts on how banks and EMIs can keep up by modernizing their digital banking experiences without taking big risks. 

He points out that his role is all about helping Plumery grow along with its clients by expanding their offerings and market presence. For many companies, growth is key. In today’s fast-paced world, getting to market first often matters more than just having the biggest assets. Dixon notes that long selection processes—sometimes lasting a year or two—can make companies lag behind, especially with new developments like generative AI coming into play.

To tackle this, Dixon suggests what he calls a “progressive modernization” approach. 

Instead of overhauling existing systems completely which means bringing in new partners for cloud wallets, KYC/AML, or user experience modules, rather than trying to replace everything at once as bigger legacy banks often find it harder due to their complex tech setups and internal politics that slow down decisions and change.

He also talks about the importance of keeping the human touch in digital banking and reminisces about how community bankers used to know their local customers personally and achieving this calls for good coordination across systems. For many banks, the biggest challenge isn’t the core or front-end; it’s the middle layer where data and disparate systems need to connect – which is where Plumery steps in, helping banks connect these layers, simplify complex integrations, and speeding up processes with less risk.

Lastly, Dixon brings up AI. Many banks already use it well for fraud detection and payments, and Dixon emphasises that scaling AI takes careful planning as the real value is in using AI to make decision-making and product development faster, rather than just automating current processes. 

For Dixon, success means banks moving quickly, being open to partnerships when it makes sense, and offering services that feel personal and easy to use.

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