The financial sector in North America is at a pivotal moment. Banks, pension funds, and other institutions are transforming to meet the needs of a dynamic economy and a rapidly changing global landscape. This session will explore how innovation and technology are reshaping financial services, the evolving role of pension funds (Afores) in driving long-term investment, and the pathways to expanding access to capital for both large corporations and small and medium-sized enterprises. Panelists will also discuss how institutions are strengthening resilience and trust as they adapt to new regulatory and market demands.