PNC's (PNC 0.13%) CEO William Demchak has made it no secret that he thinks the face of banking is changing. Demchak is devoted to embracing technology to serve the bank's customers and carefully manage expenses. PNC reported fourth-quarter earnings on Thursday morning, and it was clear Demchak has PNC going in the right direction.

In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson discuss the results and why they think the future is bright for PNC.