LAS VEGAS — A mix of laughter and groans of despair were heard on day three of Money20/20 as attendees took a journey filled with many unusual moments not typically seen at a financial services conference.

Speakers at third annual event held at the Aria continued to explore hot button topics Tuesday such as branch reinvention, the future of plastic cards, and the role of traditional financial institutions in a time of pervasive change.

"Banking is broken," proclaimed Jay Sidhu, CEO of Customers Bank, a $3.5 billion institution in Wyomissing, Pa., and one of the panelists on a Tuesday session titled, "Reinventing Banks for the New Payments Ecosystem."

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