What makes a bank successful? How do you attract and retain customers in the Indian banking market? And what role does technology play? S. Ramakrishnan, Head of Retail Banking & Wealth Management for HSBC in India, speaks to Andrew Stephen and Amy Cashman about creating a winning customer experience, the benefits of being a multinational business, the future growth opportunities and how they are partnering with fintechs to make improvements to their service in an agile way.