Jim Smith, executive vice president and head of the digital channels group at Wells Fargo, joined the bank 20 years ago with the group that created Internet banking.

"The technology and pace of change has increased in those 20 years, yet there's so much more that can be done with mobile and all the information we have available to us now. I feel like we're just at the start of this journey of transforming how people manage their finances," Smith says.

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