Capital Bank's Group COO, Izzidin Abusalameh, and Group CDO, Hani Khalil, discuss the challenges traditional banks face in competing with fintechs, especially in terms of agility and regulation. They highlight the importance of leveraging digital banking platforms like Codebase's Digibanc to improve customer experience without the need to reinvent the wheel. Working with Codebase as a partner, they’ve been able to gradually transform their service delivery model while staying focused on delivering customer value and driving business growth.