In this conversation, Francis Janes, Industry Relations Director at Beneficial State Foundation, explores how the financial services industry can drive meaningful change through diversity, equity, and inclusion. Drawing from Citibank's research on closing racial wealth gaps and his experience bridging grassroots organizations with banking institutions, he explains how banks must move beyond traditional models to actively engage with historically marginalized communities. Janes emphasizes the industry's responsibility to repair historical harms like redlining, advocating for a proactive approach where financial institutions enter communities to listen, build partnerships, and develop long-term economic solutions. Through personal insights and professional experience, he paints a vision of banking that prioritizes humanity and inclusion, while sharing hope in the next generation's capacity to drive systemic change.