In this episode of The 2040 Banker, Rich Nill, Ex-CIO at PNC, unpacks the evolving technology landscape in banking—especially the diverging paths of commercial and retail. From the shift toward platform thinking and modular cores to the challenges of real-time systems and technical debt, this conversation dives deep into what it takes to modernize core banking. Whether it’s Thought Machine, Zeta, or Refo, the future of credit stacks and decision engines is being reimagined. Tune in for an honest, tech-first view on where banking infrastructure is headed—and why the core transformation is a marathon, not a sprint.