Wells Fargo CEO Tim Sloan, who replaced John Stumpf in October after a sales scandal at the San Francisco bank, is ready to embrace technology. And he wants his customers to know it.

At the FinTech Ideas Festival on Monday in his bank’s hometown, Sloan took the stage to offer his predictions on the five technological things that will change banking. While some of this is obvious to anyone following technology, it’s still instructive to hear the leader of one of the country’s largest banks discuss the transition to the mobile and digital era.

Sloan’s view of the future: