American Banker was recently invited to have a fireside chat with Hari Gopalkrishnan, a managing director at Bank of America who oversees mobile banking for its consumer and wealth management business, at the Mobile Banking and Payments USA conference in New York hosted by Open Mobile Media.

In the interview, Gopalkrishnan talks about the balance of privacy and personalization and how improving the customer experience is the next frontier of mobile banking. The following is a transcript of that conversation that has been edited for brevity and clarity.

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