At the Financial Brand Forum, Ron Shevlin and I took the stage for a live Pardon the Finterruption session focused on what actually matters right now. No long runway. No polished conference script. Just a fast-moving exchange where we pushed back and forth on 10 of the most pressing issues facing banking.

We disagreed on plenty: the role of branches, whether the deposit war is really about wealth transfer or product design, and how super apps fit into the U.S. market. But on the underlying diagnosis, we landed in the same place.

This industry has an execution problem.

AI is constantly discussed, while most deployments remain buried in the back office. Customer experience tops every priority list, but funding and data investment don’t follow suit. Growth is the goal, yet opening an account still takes fifteen minutes when it should take three. And while the industry debates what to do, deposits keep moving across fintech platforms, ecosystems, and new rails.

The gap between what we say matters and what we actually fund continues to widen. The organizations that close that gap will win. The ones that don’t will keep explaining why they didn’t, until the decision gets made for them by a customer who already left.

This conversation covers AI, deposits, branches, personalization, embedded finance, and innovation, but it all comes back to one thing: look in the mirror. The threat is closer than you think.

Hashtags #BankingTransformed #RetailBanking #DigitalTransformation #AgenticAI #BankStrategy #FutureOfBanking #EmbeddedFinance #Fintech #CustomerExperience #BankingInnovation

In this episode of Banking Transformed, I sit down with Derek White, founder and CEO of Primitive, and Ryan Caldwell, founder and CEO of MX. Primitive launched as the complete AI agent operating system purpose-built for regulated financial institutions. The MX partnership powers a new AI-native Growth Agent for banks and credit unions.

In this conversation:

• Why Derek believes banks will soon have more AI agents than employees

• Agent Capital and Return on Agent Capital as the new language for the bank P&L

• The Growth Agent will identify opportunities in real time and automate campaigns

• Where banks should actually start

If you lead strategy, digital, data, or AI at a bank or credit union, this is the conversation that will reshape how you think about the next 24 months.

#BankingTransformed #AgenticAI #DigitalBanking #FinancialServices #AIAgents #Primitive #MXTechnologies #DerekWhite #RyanCaldwell #JimMarous #FutureOfBanking #BankingInnovation #AIStrategy #BankingAI

Leaders are waking up to headlines and uncertainty that shape decisions before the day even begins. Many institutions are stuck on a treadmill, showing plenty of effort and motion without enough real forward progress. The leaders widening the gap are doing it with stronger internal clarity.

In this Insight Video, I explore why digital maturity is really about the speed and quality of decisions while the ground is moving under you. I also explain why geopolitics is very much a community bank issue and why external pressure can no longer be treated as a disclosure item instead of a decision input.

Key insights:

• The Decision Gap — In a volatile environment, a slow decision can cost more than a wrong one.

• The “Why” as a Filter — Strong institutions use a shared sense of purpose to decide what belongs on the roadmap and what does not.

• Budget Realities — Efficiency has moved ahead of growth as the top strategic priority for community and regional banks.

• The Three-Year Test — The winners will be leaders who can keep making sound decisions when visibility is low, pressure is high, and the environment refuses to settle down.

The real test starts Monday.

#BankingInsights #JimMarous #RetailBanking #BankingStrategy #Leadership #DigitalMaturity #BankingTransformed #FinancialServices #CommunityBanking #CreditUnions #TheFinancialBrand #Alkami #LeadingThroughTheFog

In this Insight Video, Jim Marous explores the massive structural gap in the industry: 96% of institutions say they are engaged with agentic AI, yet only 19% have anything in production. Why is the "self-driving bank" still just a pilot for most?

We dive into the data from Deloitte, MIT, and McKinsey to reveal that the real barrier isn't regulation, it’s internal readiness and the failure to move from "passive" chat interfaces to "autonomous" agents that execute work.

What You Will Learn:

The Definition Shift: Why agentic AI is about taking action, not just answering queries.

The 20-Year Relationship Fail: Why a tool used for 2 years knows more about serving customers than a bank that has held their data for 20.

The Erica Blueprint: How Bank of America handles 2 million daily conversations, with 60% initiated by the AI.

3 Leadership Mandates: How to move AI from the "innovation roadmap" to a board-approved strategic mandate.

Download the full research report linked below and take these insights into your next leadership meeting.

#BankingInsights #AgenticAI #JimMarous #DigitalBanking #SelfDrivingBank #Fintech #RetailBanking #AIStrategy #AutonomousFinance #BankOfAmericaErica #DigitalTransformation

https://www.digitalbankingreport...

Live from Fintech Meetup in Las Vegas, host Jim Marous is joined by Alex Johnson (Fintech Takes) and Mary Wisniewski (Cornerstone) to unpack the most critical shift in retail banking today: the move from a utility-based model to an attention-based economy.

Traditional institutions are relying on customer inertia. Fintech leaders like NuBank are hiring out of TikTok to capture daily engagement. This episode explores how banks can fight back by using their data and modern infrastructure to become an indispensable part of a customer’s daily routine.

In this episode, we dive into:

• The Attention Economy: Why dollars now follow attention, and how banks are failing to compete for daily active users.

• The NuBank Playbook: What a TikTok executive hire signals about the next generation of bank growth strategy.

• Overcoming Complacency: Shifting from a legacy mindset to the hunt-and-kill urgency found in the top fintechs.

• Infrastructure Upgrades: How FedNow, open banking, and AI are finally making real-time, personalized experiences possible.

• Agentic AI: The rise of personal finance agents and why the industry must experiment with these tools today.

• The Monday Morning Test: Why the executives who put in the reps on these tools now will be the ones still relevant in five years.

As Alex Johnson put it on the show: "If you don’t have a strategy to acquire and retain your customers’ attention, you cannot count on inertia to keep them with you".

#Fintech #DigitalBanking #AttentionEconomy #BankingTransformed #AIinBanking

In this Insight Video, Jim Marous explores why a $300 health ring is out-innovating the banking industry. With an $11B valuation and $1B in annual revenue, Oura has mastered the Platform over Product strategy that most financial institutions are still struggling to commit to.

Jim breaks down his personal experience with the Oura Ring and translates its success into 6 executable strategies your team can scope, pilot, and launch right now — moving from reactive transactions to daily proactive intelligence.

Key Strategies Covered:

Strategy 1: The Financial Readiness Score — Moving beyond credit scores to daily financial health signals.

Strategy 2: Proactive Cash Flow Alerts — Intervening before a crisis hits, not after the fee posts.

Strategy 3: The Wellness Subscription — Shifting the business model to incentive-aligned intelligence.

Strategy 4: Platform over Product — Connecting data sources into a single, useful guidance engine.

Strategy 5: Workplace Wellness — Taking financial wellness into the workplace through existing commercial relationships.

Strategy 6: Designing for Daily Life — Being present in the 95% of daily moments, not just occasional transactions.

The Monday Morning Test: Jim closes with three critical questions every FI leader must answer to determine if their organization will still be relevant in ten years.

Subscribe to Banking Transformed for weekly insight on the future of financial services.

#DigitalBanking #BankingTransformed #Fintech #BankingInnovation #CustomerExperience #AIinBanking #Personalization #RetailBanking #FinancialWellness #JimMarous #OuraRing #BankingStrategy #FutureOfBanking #CreditUnion

Jim and Amy discuss why Arizona Financial made this investment, how the branch was designed to differentiate itself in a competitive market, and what metrics matter most when proving the value of a physical location. From design choices and member experience to business case and breakeven expectations, this is a conversation about what modern branch strategy really looks like when done with purpose.

If you lead a bank or credit union and are reconsidering what a branch should be, this episode provides a timely look at how one institution is turning physical presence into conversation, community impact, and growth.

#BranchStrategy #CreditUnions #RetailBanking #BranchROI #MemberExperience #BankingTransformed #DigitalBanking

When Bank of America opens a new branch, digital sales in that market increase by 50%, reinforcing a critical shift in thinking: physical presence doesn’t compete with digital adoption—it accelerates it.

In this episode, recorded on location at Arizona Financial Credit Union, Jim Marous explores the future of bank branches using new research from the Digital Banking Report and insights from leading institutions.

Drawing on his chapter in Brett King’s Branch Tomorrow, Marous makes the case that branches are not disappearing—but must evolve into advisory-driven, relationship-focused environments that justify their cost while strengthening digital engagement.

The challenge is no longer whether to invest in branches.

It’s whether your branches generate more value than they cost.

In this episode of the Banking Transformed podcast, we delve into the rapidly evolving payments ecosystem with Rich Clow, Head of Innovation and Strategy at Global Payment Solutions, Bank of America. With over 25 years of experience spanning from the early days of branchless banking to today's AI-powered financial services, Rich provides unique insights into the transformative trends reshaping how we think about money, payments, and banking relationships.

Join us as we explore these critical trends with one of the industry's most experienced innovators, who has been at the forefront of digital payments evolution for over two decades.

Marbue Brown led customer experience at JPMorgan Chase's Consumer Bank, built Amazon's AI-driven CX operation, and has done the same at Microsoft and Cisco. His book, Blueprint for Customer Obsession, lays out nine practices across three pillars that define what the best companies actually do differently.

Today, we discuss the practices where banks keep falling short, and what financial institutions of all sizes can do TODAY to elevate their customer obsession scores.

In today’s environment, that model limits growth and weakens earnings durability.

In this episode of Banking Transformed, I speak with S. P. “Wije” Wijegoonaratna, Co-Founder and CEO of Aliya, about how AI-powered operational intelligence is transforming lending from episodic approvals into continuous, governed opportunity exploration.

Aliya’s platform connects bank-account data, marketing intelligence, risk decisioning, and post-origination monitoring into a closed loop designed to improve efficiency without increasing balance-sheet risk.

Are you operating episodically — or intelligently?

#Banking #Lending #DigitalTransformation #AI #CustomerExperience

But according to Joe Pine, that era is over.

In this episode of Banking Transformed, I sit down with Joe, the author of The Transformation Economy and co-author of the landmark Experience Economy, to explore what comes after customer experience in banking. If experiences are now expected rather than differentiating, where should banks compete next?

Joe argues that the next stage of value creation is transformation. Not better moments, but better outcomes. Not engagement metrics, but measurable progress in customers' financial lives

We discuss what transformation really means for banking, why most institutions are still optimizing for the wrong thing, and why banks that fail to evolve risk becoming irrelevant in the most important conversations their customers are actually having.

If your strategy still centers on CX as the competitive moat, this conversation will challenge your assumptions.

Subscribe to Banking Transformed for weekly conversations with the leaders reshaping the future of financial services.

That’s not a strategy issue. It’s an execution issue.

In this episode of The Experience Factor, sponsored by Q2, Jim Marous sits down with Jesus Garcia, Chief Experience Officer at OceanAir Federal Credit Union, to examine what the 2026 Retail Banking Trends and Priorities report reveals about the credit union sector and how one institution is moving beyond ambition to measurable results.

This conversation covers:

* The execution gap

* The branch expansion paradox

* The talent contradiction

* Fintech partnerships that actually drive impact

* The open banking blind spot

* AI: substance vs optics

This discussion isn’t about strategy decks. It’s about what’s actually working and what must change.

The Experience Factor is sponsored by Q2. Download the 2026 Retail Banking Trends and Priorities Report here.

There was a time when products and features made a difference. That time is gone. Digital is now expected. Rates are aligned. Features are replicated. And AI can compare them instantly. If you're leading with just what you offer, you're competing in a race where everyone looks the same.

Allison Netzer's "Think Like a Brand, Not Like a Bank" Version 2 shares three years of implementation data from banks and credit unions that stopped competing on features. Her framework explains why leading with product specs is mistaken. Customers first decide emotionally, then justify rationally. This edition includes a reflection on which principles have remained valid and which ones need rethinking.

The institutions winning today treat brand as their strategic operating system, not a marketing exercise. They solve customer pain through counterintuitive thinking that violates industry patterns.

In this episode, we discuss what’s changed since 2022, what surprised Allison in the real-world execution of these ideas, and why moving beyond product thinking may be the only way to avoid becoming invisible in a marketplace defined by sameness.

In this episode of Banking Transformed, Jim Marous speaks with Isaiah Granet, Co-Founder and CEO of Bland, to explore how voice AI is transforming banking relationships, modernizing call centers, and delivering measurable operational results.

They explore which workflows truly reduce call center costs, how to automate without sacrificing trust, what compliance guardrails must be in place before scaling voice AI, and what community and regional banks can realistically implement in the next 12 months.

If your institution wants to modernize call center operations, improve service quality, and increase conversion opportunities, this discussion outlines a practical, defensible path forward.

#Banking #ConversationalAI #Chatbots #VoiceAI #DigitalTransformation #CustomerExperience #AI

This episode of Banking Transformed is sponsored by Bland

Bland is a voice AI platform that helps companies transform customer experience and business operations with AI phone, SMS, and chat agents. We serve enterprises across healthcare, insurance, financial services, and other highly regulated industries, and have dispatched more than 60 million AI-powered phone calls to date.

Visit https://www.bland.ai/?utm_source=financialbrandpodcast&utm_campaign=financialbrand for more information.

Credit One Bank is a financial services company and one of the fastest-growing credit card issuers in the U.S. Founded in 1984 and headquartered in Las Vegas, Credit One Bank offers a full spectrum of credit card products including cash back and points-based cards as well as high-yield certificate of deposit and savings accounts. Credit One Bank is also an official partner of the Las Vegas Raiders and the Official Credit Card of NASCAR, the Vegas Golden Knights and Best Friends Animal Society. Learn more at CreditOneBank.com, in our Newsroom or on social media (@CreditOneBank) on Facebook, Instagram, YouTube, and LinkedIn.

Most banks are still designed to protect the status quo. Risk avoidance dominates, small changes are called progress, and true creativity rarely makes it through the internal process to reach customers.

Challenger brands like Liquid Death don’t win because they spend more or market louder. They win because they decide who they’re for, what to stand for, and how to build a culture that supports being a challenger, even when it creates discomfort.

I’m joined by Eric Fulwiler, co-founder and CEO of Rival. We discuss their recent study of the top 50 challenger brands and what makes them distinctive. We also uncover what has to change if financial institutions want to stand out instead of blending in.

This discussion challenges leaders to move beyond pilots and roadmaps, confront the trade-offs they’ve been avoiding, and focus on the few decisions that actually drive meaningful change.

If you’re responsible for strategy, digital transformation, or growth in 2026, this discussion offers a clear-eyed look at what’s holding the industry back and what it will take to move forward.

Today, I'm joined by Benjamin Conant, Chief Product Officer at Alkami and Co-founder of MANTL, to discuss insights from their new 2026 Banking Predictions Report and what it reveals about why banks and credit unions are quietly falling behind.

The discussion focuses on unifying systems that have operated in silos for decades, turning branches into profit engines, finally making AI deliver results, and consolidating vendors who can create solutions at speed and scale.

Institutions that endure the next three years won't be the ones making minor updates to failing systems. They'll be the ones willing to take bold actions and operate with the urgency and resilience that the future demands.

This isn’t a debate about following trends. It’s about how you execute.

New research from Primax, shows that only 12 percent of Gen Z consider a community or regional bank their primary financial institution. Will these Gen Z consumers move their parents' relationship out of your institution?

By 2035, Gen Z will be the largest and wealthiest generation in history. And 72 percent say they face financial challenges unlike those of any other generation. They're seeking a financial partner who understands their reality far beyond a simple transaction.

The bottom line is that customer loyalty is thin, opening accounts at new institutions is easy, and growth is no longer guaranteed.

Today on Banking Transformed, I'm joined by Carrie Stapp, Vice President of Marketing at Primax. We're unpacking what the Banking in Focus research report reveals about what's broken in how banks approach Gen Z – and what you need to fix now before future growth moves elsewhere.

This episode of Banking Transformed is sponsored by Primax

Primax provides banks with payment processing services and an expansive array of value-added technology and solutions. Primax’s customizable solutions, including risk management, mobile and online card management, data and analytics, loyalty programs, marketing, strategic consulting, delinquency management and contact center services, help banks profitably grow their portfolios and deliver an unparalleled experience to their accountholders. With a longstanding commitment to service excellence, Primax has been designing and providing support services for banks throughout the U.S. and the Caribbean for over 40 years. For more information, visit www.primax.us.

According to Accenture, more than $200 trillion in global bank deposits and loans are now at risk, and that threat isn’t coming from another bank. It’s coming from stablecoins, AI agents that can automatically optimize finances, and platforms that can quickly move cash, often outside the traditional banking system.

Today's guest is Mike Abbott from Accenture. His team's new report on the top banking trends for 2026 reveals some uncomfortable truths. Seventy percent of IT spending still goes to maintaining outdated systems. Margin compression could reduce US bank pre-tax income by 22%. And many of those loyal customers who've stayed with their bank for seven years? The research calls them "lazy loyalists."

The real question for banking leaders isn’t whether this shift is happening, but how much of the balance sheet they’ll still control when it does. Mike joins us to discuss how banks can respond to threats moving faster than their modernization efforts.

Today's competitive edge isn't just about what customers see upfront. It's about how efficiently a bank operates, how smartly it prices on an individual basis, and how quickly it can turn data into action. That's why modernizing the back office has moved from an IT discussion to a strategic imperative.

I'm joined on the Banking Transformed podcast by Richard Ullenius and Brandon Sailors from CSG International to discuss what modernization truly means, how banks can progress without tearing everything down, and how smarter infrastructure is becoming the key to efficiency, engagement, pricing, and risk management.

This episode of Banking Transformed is sponsored by CSG

CSG delivers banking and financial services solutions to help banks reimagine pricing, billing and customer engagement across retail, commercial and institutional banking. By unifying smart pricing, customer and transaction data and accurate, flexible billing, CSG enables banks to modernize complex, multi-product relationships without rip-and-replace. As a result, banks can reduce risk and complexity, protect margins and power trusted, real-time experiences that drive growth.

https://www.csgi.com/industry/financial-services/

In this episode of Banking Transformed, I’m joined by Dr. Lamont Black, Associate Professor of Finance at DePaul University. We will break down why stablecoins represent a fundamental shift in financial infrastructure, not another crypto cycle. We will also explore how emerging payment rails challenge traditional card networks, what this means for deposits, data, and interchange revenue, and how financial institutions of all sizes should prepare for what comes next.

This conversation is essential listening for banking executives, payments leaders, and fintech professionals who want to understand the real impact of stablecoins, the strategic risks of waiting, and how the banking reset is already unfolding.

Today’s conversation is about how data actually drives results, not dashboards, not buzzwords, but measurable connections with the right consumers at the right time. We are going to talk about how modeling, channel orchestration, and analytics are reshaping direct marketing for banks and credit unions, and why doing this well is becoming a competitive necessity.

I am joined by Preston Carroll, Director of Data and Analytics, and Eddie Tu, Principal Statistical Analyst at Franklin Madison Direct. Together, they work at the intersection of data science, marketing strategy, and financial services growth. Today, we will unpack what actually works, where institutions get it wrong, and how leaders can move from data awareness to data advantage.

This episode of Banking Transformed is sponsored by Franklin Madison

Franklin Madison Direct is a premier direct marketing agency within the Franklin Madison Group. Specializing in performance-driven strategies, FM Direct empowers financial and insurance brands to connect with their ideal audiences and achieve outstanding growth. The agency supports clients in expanding their customer base profitably through diverse acquisition channels, including direct mail, paid search, paid social, and display advertising.

https://franklinmadisondirect.com/

While banks use advanced tools to detect external fraudsters, their own account holders are taking advantage of long-standing dispute processes meant to protect consumers, turning chargebacks into weapons against the very institutions that serve them.

The math is staggering: this single category now accounts for up to half of all fraud losses and keeps accelerating while most executives stay focused on threats from outside their customer base.

Joining me on the Banking Transformed podcast is Shanthi Shanmugam, CEO of Casap, who developed products at Robinhood and Chime before founding a company to address this crisis. We're going to examine why first-party fraud has surged, how manual dispute processes enable it, and what essential changes are needed to transform this hidden vulnerability into a competitive edge.

That is why today’s conversation matters. I am joined by Phil Tomlinson, Senior Vice President of Global Offerings at TaskUs, and Pragya Agarwal, Vice President of Financial Crimes and Risk Operations. They sit at the intersection of customer experience, advanced technology, and financial crime prevention, where speed and trust have to coexist every day.

In this episode of Banking Transformed, we unpack what next-generation banking really looks like, where AI is delivering real value right now, and how banks can move faster, innovate responsibly, and still protect customers in an always-on, app-driven world.

This episode of Banking Transformed is sponsored by TaskUs

TaskUs is a leading provider of outsourced digital services and next-generation customer experience to the world’s most innovative companies, helping its clients represent, protect and grow their brands. Leveraging a cloud-based infrastructure, TaskUs serves clients in the fast-growing sectors, including social media, e-commerce, gaming, streaming media, food delivery and ride-sharing, technology, financial services and healthcare.

https://www.taskus.com/services/financial-crime-compliance/

In this episode of Banking Transformed, Jim Marous explores why continuous learning has become the most critical leadership skill in financial services, and why failing to adapt is the fastest path to irrelevance.

Jim shares the personal transformation that reshaped his career, explains how AI is accelerating the divide between learners and laggards, and outlines the daily habits leaders must embrace to stay relevant in a world where change will never be this slow again.

At Fintech NerdCon in Miami, I sat down with two leaders who are actually closing that gap. Siya Vansia, Chief Brand and Innovation Officer at ConnectOne Bank, and Suzan Chaffin, EVP of Solutions at LoanPro, are showing what modern banking looks like when technology, culture, and leadership come together with clarity and purpose.

Our Banking Transformed conversation dives into the real work behind transformation. Not the marketing language, but the decisions, processes, and organizational alignment needed to deliver both speed and empathy. These leaders expose why retrofitting new technology onto old processes always fails, and how banks can rebuild for a future where high-tech and high-touch finally work together.

If your institution is trying to modernize, improve experience, or break free from legacy constraints, this discussion offers a practical look at what it takes to move faster and deliver better value today.

Because every time Bank of America opens a new financial center, digital sales in that market jump by 50 percent. Physical presence isn’t competing with digital — it’s accelerating it.

Now, Bank of America is putting $750 million behind a bet the rest of the industry walked away from too soon, opening 150 new financial centers across 60 markets by 2027 at more than $5 million per location. Bold? Yes. Contradictory? Maybe. But the timing suggests something deeper: after shrinking from 6,000 branches to about 3,700, they now believe the future isn’t fewer branches… it’s smarter ones.

These next-generation centers aren’t transaction factories. They’re advisory hubs staffed by 12,000 relationship bankers, designed to anchor communities and handle the conversations digital can’t — at least not yet.

My guest on the Banking Transformed podcast, Will Smayda, leads this transformation. He’ll explain why Bank of America is expanding while others retreat and what these new financial centers reveal about how clients actually want to bank.

So, here’s the question we all need to wrestle with: Is this the future of the branch — or the most expensive contradiction in banking?

After years of adding new features on top of outdated infrastructure, the limitations become clear: legacy cores slow innovation, hinder personalization, and make it nearly impossible to compete in an AI-driven world.

Modernization is no longer just a tech project. It’s a strategic choice for whether a bank can stay competitive. Banks adopting unified, modern architectures aren’t doing it for appearances; they’re doing it because it provides the speed, flexibility, and resilience that legacy systems cannot match.

The good news? Modernizing no longer requires years of planning and implementation. Progressive methods are giving banks safer, lower-risk options to move forward.

Today on the Banking Transformed Podcast, I’m joined by Sai Rangachari, Chief Product Officer at Temenos, to explore what modern core banking really entails, why it’s important now, and how banks can update without disrupting their operations.

I recently spoke at the Hope Global Forums in Atlanta, where the focus is on economic opportunity. I challenged the banking industry to address a blind spot. We rely on outdated credit models that look backward, not at real cash flow, real behavior, or real potential.

When credit is denied, education alone does not work, mobility stalls, and banks lose the growth they say they want. Serving the underserved is no longer optional. It is the strategy gap holding this industry back.

In the new book Fixed, a harsh truth is revealed: from daily saving and borrowing to education loans, insurance, and retirement planning, personal finance is designed to disadvantage the very people it seeks to help. Complexity becomes a source of profit. Friction turns into a deliberate feature. And billions of people, from young families to aging retirees, are left making high-stakes decisions within a system stacked against them.

Today on Banking Transformed, I’m joined by the co-author of the book, Tarun Ramadorai. We explore how we got here, why consumers struggle with even the most basic financial choices, and most importantly, what it will take to restore fairness, trust, and transparency. If you care about the future of consumer banking, financial well-being, or rebuilding confidence in the system, this is a conversation you can’t afford to miss.

In fact, 58% of banking leaders believe generative and agentic AI will be the single most transformative force in the industry over the next three years, and 55% already consider it their top investment priority—more than any other sector in financial services.

What’s truly disruptive is that AI is leveling the playing field. Smaller, more agile institutions now have access to the same intelligence, decision-making power, and client insights that once required massive scale. Speed—not size—is becoming the key differentiator. And this shift is pushing banks from asset-focused growth toward client-centered growth, where relevance, responsiveness, and rapid innovation drive real competitive advantage.

Today, I’m joined on the Banking Transformed podcast by Sean Viergutz, Banking & Capital Markets Advisory Leader at PwC, to break down what this transformation means for leaders right now. We’ll explore how banks can redesign operating models, build new capacity for growth, and turn AI from a cost-saving tool into a true driver of client value.

Consumers want communication that reflects their neighborhood, life stage, and immediate financial needs — and broad, one-size-fits-all marketing isn’t effective. Hyperlocal strategies are emerging as some of the most powerful ways to drive acquisition, strengthen relationships, and capture market share.

In this episode of Banking Transformed, I talk with Fred Cadena, Head of Client Strategy at Vericast, about how real-time data, household insights, and neighborhood-level trends are changing the way banks compete. Fred explains why “relevance beats reach,” how new mover and life-event signals drive growth, and what it takes to activate hyperlocal marketing without adding complexity.

If your institution is seeking affordable, data-driven strategies to boost growth in 2025, this conversation provides a clear roadmap — and questions long-standing assumptions about how banks engage with their communities.

This episode of Banking Transformed is sponsored by Vericast

Vericast’s Hyperlocal Marketing solution is a fully managed, precision-engineered, data-driven approach to personalized digital advertising at the branch level enabling financial institutions to build stronger community connections, increase engagement and conversions, and optimize advertising spend for maximum impact.

Vericast.com

From the history of Wynwood’s transformation to the sameness of today’s mobile banking experiences, Jim breaks down the hidden cost of playing it safe and what it will take for banks and credit unions to stand out in a crowded, commoditized marketplace.

If you want your organization to compete on something other than price, convenience, or compliance, this episode is a wake-up call — and a path forward.

Kevin shares his unfiltered views on consolidation, regulation, innovation, leadership, and why he believes niche banks and credit unions may actually be better positioned than the giants if they’re willing to move faster, specialize, and rethink what value really means for customers.

This isn't just a space story. It's a blueprint for any regulated industry. If you change the speed of learning, you'll change the slope of performance.

In this video, I share four lessons and one 90-day framework to compress your innovation cycles from months to weeks. Only 11% of banks have successfully scaled digital innovation, and 70% of executives expect non-traditional players to dominate by 2030.

The winners won't be the largest institutions. They'll be those who disrupt themselves first. The question is whether your institution is ready?

Drawing on insights from the 2025 Retail Banking Trends and Priorities Report sponsored by Q2, Jim explores the leadership blind spots, cultural barriers, and misplaced priorities that are undermining progress across the industry. He reveals how institutions are chasing digital experiences while ignoring the crumbling core systems beneath them — and why leadership, not technology, remains the ultimate obstacle to change.

Listeners will learn why most digital initiatives fail, how legacy systems cripple innovation, and why true AI success depends on human intelligence rather than automation.

In this episode of Banking Transformed, we’ll explain how cyber-enabled fraud actually occurs, why traditional structures don’t work, and what it takes to stay ahead. We’ll also explore the GenAI factor, looking at how attackers are scaling deception and how banks can respond with smarter profiling and faster, smoother decision-making.

Joining me is Laura Quevedo, Executive Vice President, Fraud & Decisioning Solutions at Mastercard, a leader at the center of payment resiliency, financial crime prevention, and risk decisioning. She will share how integrated teams and shared intelligence are changing outcomes for institutions worldwide.

For banking leaders tasked with protecting their institutions and customers in this new era of converged threats, this conversation offers a practical roadmap for building truly resilient defenses. Because the question is no longer whether your fraud and cyber teams should work together, but how quickly you can make it happen.

In this conversation, we’ll explore why they believe the fintech conference circuit needs disruption, how they’re creating a different kind of community experience, and what banks, fintechs, and ecosystem builders should focus on to succeed in the industry’s next phase.

In addition, they provide an inside look into what will make this event different from any the banking industry has ever experienced.

Joining us on the Banking Transformed podcast is Dan Gill, Industry Analyst at Zafin, an AI-powered banking platform that's revolutionizing how banks handle pricing, billing, and customer relationships. In a time when corporate clients demand transparency and banks face challenges with legacy systems and scattered data, the account analysis function has become a key strategic area.

We'll explore how modern AI and unified data platforms are addressing long-standing issues, including revenue loss, manual fee calculations, and unclear reporting that frustrates CFOs.

Whether you're in banking, fintech, or simply interested in how corporate finance operates behind the scenes, this conversation will reveal the significant transformation underway in this field.

This episode of Banking Transformed is sponsored by Zafin

Zafin's Loyalty Rewards capability helps banks deepen customer engagement by rewarding behaviors across the entire banking journey, not just their transactions and spends. It offers behavior-based incentives, flexible point strategies, and personalized rewards, moving beyond traditional spend-based models. With seamless integration and real-time analytics, banks can optimize loyalty programs to enhance customer lifetime value and drive sustainable growth.

Visit https://zafin.com/insights/banking-blueprints/?videos

Today on the Banking Transformed podcast, we're tackling these issues with Harmon Lyons, Vice President of Strategy and Market Development at TransUnion. We'll discuss full-funnel marketing strategies for financial services that blend brand awareness with acquisition tactics, achieving up to 40% improvements in identity completion. This allows banks and credit unions to finally demonstrate ROI and link marketing efforts directly to conversions.

If you're a financial services marketer facing customer data fragmentation, attribution challenges, or privacy compliance concerns, this episode offers actionable strategies for enhancing campaign performance in 2025.

This episode of Banking Transformed is sponsored by TransUnion

TransUnion brings clarity to marketing chaos by delivering a 360-degree view of your customer, helping you deepen your insights, accelerate your decision making, and better measure the impact of every marketing dollar.

For more information: Bring Clarity to Chaos | TransUnion

In this episode of Banking Transformed, I’m joined by Bernadette Ksepka, Senior Vice President and Deputy Head of Product Development for the Federal Reserve’s FedNow Service. We’ll explore how instant payments are reshaping financial interactions, debunk some of the biggest myths surrounding FedNow, and examine how financial institutions — from community banks to major players — can leverage this infrastructure for competitive advantage.

From new use cases and fraud prevention to the economics of real-time liquidity, this conversation offers a clear-eyed look at where the U.S. instant payments ecosystem stands today — and where it’s heading next. If your institution hasn’t yet activated “send,” this episode might just change your mind.

This episode of Banking Transformed is sponsored by FedNow

The FedNow Service is an instant payment infrastructure developed by the Federal Reserve that allows eligible financial institutions to provide 24x7x365 instant payment services to stay competitive and meet customer demand. The network currently has about 1,500 participating financial institutions headquartered in all 50 states.

For more information visit https://explore.fednow.org/

In this compelling episode of Banking Transformed, Kelli Keough from SoFi, Chris Black from Thread Bank, and Raphael Reznek from Mascoma Bank share their real-world experiences transitioning from monolithic legacy systems to specialized, modular architectures. They reveal why treating deposits, lending, and wealth management as distinct domains isn't just a technical decision ... it's a competitive imperative that can make product launches 40% more efficient.

Whether you're a banking executive navigating modernization challenges, a fintech professional exploring infrastructure options, or simply curious about the future of financial services, this conversation offers practical insights from leaders who've successfully transitioned from legacy to modern, API-first platforms.

It sounds like science fiction, but it's happening right now. Grasshopper Bank has become the first U.S. bank to enable customers to connect their business banking data directly to Anthropic's Claude AI assistant, and the implications are staggering.

We're joined on the Banking Transformed podcast by two visionaries who made it happen: Chris Tremont, Chief Digital Officer, and Pete Chapman, CTO of Grasshopper Bank. They'll reveal how they built a secure bridge between banking and artificial intelligence, why they raced to be first, and what this means for every banking organization in America.

This is the conversation where the future of banking gets written. The companies that understand this shift will thrive. Those who don't will be left behind.

At the heart of this inertia lies a familiar bottleneck: legacy core systems. While over 90% of banks surveyed this year say digital transformation is either a “critical” or “high” priority, less than 10% believe their current core can fully support their goals.

In this episode of Banking Transformed, I’m joined by Sandeep Lalwani, Head of UST FinX, and Barry O’Connell, Managing Director, Americas for Thought Machine. Together, we examine the real-world consequences of delayed modernization – from constrained innovation to a stunted customer experience – and explore how a modular, coexistence-based core transformation can flip the script.

This is the first episode in a new series, "Building the Future-Ready Bank", sponsored by UST FinX.

To become resilient, one must understand the collision between cutting-edge technology and centuries-old financial systems. How is open banking democratizing financial data? Why are some regions outpacing others in fintech innovation, while others lag behind? And what happens when AI agents start managing our money?

I'm excited to welcome Ronit Ghose, Head of Future of Finance at Citi Institute and author of the groundbreaking book "Future of Money," to the Banking Transformed podcast, recorded at Money 20/20 in Riyadh, Saudi Arabia. From his unique perspective at one of the world's largest financial institutions, he has seen how technologies that seemed like science fiction a decade ago are now fundamentally transforming how money moves, how we bank, and how financial services operate across different continents.

Whether you're a fintech founder, a traditional banker, or simply someone who wants to understand where money is heading in the next decade, this conversation will challenge how you think about the future of finance.

Welcome to today's episode of Banking Transformed, where we're diving deep into the seismic shifts reshaping the financial services landscape. I'm joined by Luke Allchin, Director of Research at RFI Global, who brings us groundbreaking insights from their latest MacroMonitor data tracking over 130 million US households.

Luke's research reveals that 2026 won't just be another year of incremental change – it will be the year that separates digital natives from digital laggards, and where trust becomes the ultimate currency. Let's explore what financial institutions need to know to thrive in this rapidly evolving landscape.

Here's what might surprise you: banks that excel at providing merchant services not only keep their clients longer but also become essential partners in their clients' success. Conversely, those that fail to do so unintentionally push profitable business relationships right into their competitors' hands.

On this episode of Banking Transformed, I sit down with Brad Oddo, CEO of Basys, a payments partner known for award-winning support, a white-label approach, and an ability to unlock revenue and relationship potential for financial institutions of all sizes. We explore why merchant services are often overlooked, how banks can transform them into a strategic growth engine, and what the future holds for payments innovation.

If your bank isn’t rethinking merchant services right now, you may be missing one of the most powerful levers for growth and retention.

This episode of Banking Transformed is sponsored by Basys

Basys is a privately held payment processor that helps banks grow commercial relationships and revenue through best-in-class merchant services. With award-winning support, flexible revenue share programs and an industry leading 75+ Net Promotor Score, Basys empowers financial institutions to deepen client loyalty, increase non-interest income and deliver seamless, branded payment solutions that strengthen their competitive edge.

basyspro.com

In this episode of Banking Transformed, I’m joined by Mike Cook and Carson Kotnyek from Zafin to explore how banks can move beyond legacy limitations and become orchestrators of value. We’ll unpack what ecosystem banking truly means, why orchestration—not just innovation—is the new growth engine, and how financial institutions can remain relevant by delivering holistic solutions that meet customers wherever they are.

If you want to understand how the future of banking is being built—not just in the branch, but in housing, health, commerce, and beyond—this conversation is your playbook.

This episode of Banking Transformed is sponsored by Zafin

Zafin's Loyalty Rewards capability helps banks deepen customer engagement by rewarding behaviors across the entire banking journey, not just their transactions and spends. It offers behavior-based incentives, flexible point strategies, and personalized rewards, moving beyond traditional spend-based models. With seamless integration and real-time analytics, banks can optimize loyalty programs to enhance customer lifetime value and drive sustainable growth.

Visit zafin.com

The shift can’t wait. Forrester predicts that by 2025, half of all businesses will use AI-powered self-service as their primary customer touchpoint. That future won’t be possible without real-time data at the core.

Banks that leverage streaming data will transform customer experiences, manage risks more efficiently, and unlock the full potential of AI. Those who don’t risk being left behind.

Today, I’m joined by Gillaume Aymé, CEO of Lenses.io and a leading voice on data innovation. Together, we’ll explore why real-time data is becoming the lifeblood of modern banking, the hurdles institutions must overcome, and how to build the foundation for AI-driven success.

This episode of Banking Transformed is sponsored by Lenses

Lenses 6.0 is a Developer Experience designed to empower organizations to modernize applications and systems with real-time data autonomy. This is particularly crucial as AI adoption accelerates, and enterprises operate hundreds of Kafka clusters across multi-cloud environments. As the industry’s first multi-Kafka developer experience, Lenses 6.0 allows teams to access, govern and process streaming data across any combination of Apache Kafka-based streaming platforms, from a single interface.

https://lenses.io/

The winners, like JPMorgan Chase, Capital One, and a few others, aren't just lucky. They've decoded a specific approach to talent, execution, and measurement that lets them turn AI investments into strategic advantages. Meanwhile, most are wasting budgets with little to show for it beyond PowerPoint slides.

Today on the Banking Transformed podcast, we're joined by Alexandra Mousavizadeh, CEO of Evident, who has just released the most comprehensive analysis of AI outcomes in banking. Her team tracked 173 AI use cases across 50 major banks, and the data reveals a stark divide emerging in our industry.

Alexandra will reveal which banks are already using AI to steal retail customers, how they're measuring real ROI, and most importantly, what retail banking leaders need to do differently in the next 12 months to avoid being left behind.

If you're responsible for retail banking strategy, customer acquisition, or digital transformation, the next 30 minutes could determine whether your bank thrives or merely survives the AI revolution.

The discussion examines how market needs have evolved for business banking clients, the effect of Customer 360 perspectives, the increasing influence of open banking on business financial relationships, and the ways AI is transforming competitive dynamics.

John also delves into the competitive dynamics between fintechs and traditional banks, and how banks must evolve their digital solutions to meet changing market demands.

The 2025 Generational Trends in Digital Banking study reveals that only 56% of digital banking consumers expect to maintain their current relationship over the next year, while the rest are quietly drifting toward stagnation or disengagement.

This continuous erosion of loyalty comes just as the U.S. faces one of the largest intergenerational wealth transfers in history. Thirty-seven percent of Americans expect an inheritance in the next two decades, but if banks can’t hold on to younger, digital-first customers now, those assets — and the loyalty — will walk out the door.

Joining me today on the Banking Transformed podcast are two powerhouse experts – Jason Dorsey, President of The Center for Generational Kinetics, and Allison Cerra, Chief Marketing Officer at Alkami Technologies. They will unpack the findings from the 2025 Generational Trends in Digital Banking Study and share what banks must do now to stop the quiet exodus before it’s too late.

Remember, silent attrition doesn’t announce itself — it’s a quiet leak of loyalty, share of wallet, and future opportunity that can be devastating if ignored.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening, payment security, and data analytics and marketing solutions. To learn more, visit www.alkami.com.

From personalizing member experiences to unlocking operational efficiency, the ability to transform data into insight — and insight into impact — has become a strategic imperative. Yet the journey from collecting data to scaling it across an organization is filled with cultural, technological, and ethical challenges.

On today’s episode of Banking Transformed, I’m joined by Jeremiah Lotz, Senior Vice President of Data and Experience Design at Velera. We’ll explore what it takes to build not just a data strategy, but a data culture — one that fosters literacy, curiosity, and trust.

We’ll also discuss how financial institutions can identify when they’re ready to scale, the role of AI and governance in driving value, and the new frontiers of data use in an increasingly competitive marketplace.

Today’s competitive advantage isn’t just having data. It’s knowing how to transform conversations into measurable business value. From lowering cost-to-serve to boosting Net Promoter Scores, the opportunity is clear: banks that successfully harness AI and conversation intelligence are realizing game-changing ROI, while others remain stuck in pilot projects.

In this episode of Banking Transformed, I’m joined by Caleb Johnson, VP at TTEC Digital, and Chris Dolan from Cisco. Together, we’ll explore how financial institutions can build the infrastructure, insights, and strategies to orchestrate seamless customer journeys and turn everyday conversations into bottom-line results.

If you’re looking for practical ways to move past AI hype and drive measurable CX transformation, this conversation is for you.

This episode of Banking Transformed is sponsored by TTEC Digital

TTEC Digital’s AI Vision Workshop empowers CX and Operations leaders to unlock real business value from AI. Together, we’ll define your CX and operational goals, identify challenges, and build a tailored roadmap for AI pilot projects. Powered by Cisco Webex AI and deep CX expertise, we help you move from curiosity to confidence—and deliver results.

CIS: TTEC Digital + Cisco BFSI Campaign - AI Vision Workshop

Consumers are drowning in nearly indistinguishable offers, a reality my guest on Banking Transformed, Laura Ries, calls out in her newest book, "The Strategic Enemy: How to Build and Position a Brand Worth Fighting For". Her antidote is intentionally counterintuitive: stop trying to be “better,” and instead become unmistakably different by defining, and then defeating, a single, visible foe.

Ries argues that when brands rally around an “enemy,” and reinforce the fight with a memorable “visual hammer,” they earn a permanent slot in the customer’s mind.

Our conversation explores how enemy-based positioning and vivid visual symbols can help banks escape commoditization, revitalize trust, and signal a bolder future.

Ian Gillard serves as Senior Executive Vice President at Bangkok Bank, where he oversees digitalization, mobile banking, blockchain initiatives, cloud strategy, and analytics.

Today, we'll explore how Bangkok Bank is navigating Thailand's unique regulatory landscape, the bank's strategy for dominating both domestic and international markets, and Ian's vision for the future of digital engagement in a region where 97% of banking transactions happen on mobile devices.

From virtual banking initiatives to AI-driven customer experiences, we'll uncover the innovations that are positioning Bangkok Bank at the forefront of ASEAN's financial transformation.

Welcome to Shaping Banking’s Next – podcast episodes hosted by Jim Marous and brought to you by Infosys Finacle and Qorus Global. These compelling episodes are inspired by the ‘Innovation in Retail Banking’ research, a report that has been tracking innovation trends, investment priorities, emerging business models, and real-world case studies for over 15 years.

In these episodes, visionaries, changemakers, and digital pioneers from the world’s leading banks will share how they’re driving innovation, transforming the banking value chain, and reimagining the future of banking. Join them as they explore bold strategies, innovative business models and next-gen technologies shaping the industry today and defining what’s next.

On this episode of Banking Transformed, we welcome Ana Inés Echavarren, the dynamic CEO of Infocorp, a company that has not only survived but thrived in this volatile environment.

But her story isn’t just about corporate growth — it’s a story of personal reinvention. From her roots in engineering to becoming one of the few female tech CEOs in Latin America, Ana’s journey is marked by lessons in courage, adaptability, emotional intelligence, and the transformative power of mentorship.

A vocal advocate for women in tech and leadership, Ana challenges old paradigms and champions diversity as a competitive advantage. This conversation serves as a roadmap for what it truly takes to build a resilient, purpose-driven, and future-ready organization.

Here's the brutal truth most banking executives learn too late: You're not just buying a solution – you're buying a relationship that could either supercharge your institution or slowly strangle it. While your procurement team obsesses over features and price tags, the real question that will determine your success or failure is this: When everything goes wrong at 2 AM on a Friday, who's actually going to answer the phone?

I'm joined on the Banking Transformed podcast by Jennifer Gibson, VP of Sales for Primax, who has a front-row seat to both sides of this equation. Jennifer is here to reveal the hidden warning signs that separate true partners from mere sales pitches, the questions banks should be asking but rarely do, and why the most expensive mistake you can make is choosing the cheapest vendor.

This episode of Banking Transformed is sponsored by Primax

Primax provides community banks with an expansive array of value-added services and customizable solutions to help profitably grow their portfolios and deliver an unparalleled experience to cardholders. With a longstanding commitment to service excellence, Primax has been designing and providing support services for payment card programs for financial institutions throughout the U.S. and the Caribbean for over 40 years.

Visit www.primax.us/ for more information

In this episode of the Banking Transformed podcast, we delve into the rapidly evolving payments ecosystem with Rich Clow, Head of Innovation and Strategy at Global Payment Solutions, Bank of America. With over 25 years of experience spanning from the early days of branchless banking to today's AI-powered financial services, Rich provides unique insights into the transformative trends reshaping how we think about money, payments, and banking relationships.

Join us as we explore these critical trends with one of the industry's most experienced innovators, who has been at the forefront of digital payments evolution for over two decades.

This shift represents more than just changing customer preferences; it's a fundamental reimagining of how financial institutions create value and foster lasting relationships. Traditional banks are grappling with legacy systems that were never designed for the dynamic, real-time engagement that modern loyalty programs demand, while nimble fintech competitors are building loyalty into their DNA from the outset.

Today on Banking Transformed, we explore the future of retail banking loyalty with Carson Kotnyek, VP and Head of Loyalty and Ecosystems at Zafin, who will share insights on how traditional banks can bridge the innovation gap and build loyalty programs that don't just retain customers – but turn them into passionate advocates.

This episode of Banking Transformed is sponsored by Zafin

Zafin's Loyalty Rewards capability helps banks deepen customer engagement by rewarding behaviors across the entire banking journey, not just their transactions and spends. It offers behavior-based incentives, flexible point strategies, and personalized rewards, moving beyond traditional spend-based models. With seamless integration and real-time analytics, banks can optimize loyalty programs to enhance customer lifetime value and drive sustainable growth.

Visit https://zafin.com/insights/banking-blueprints/?videos

In today’s episode of Banking Transformed, I’m joined by Frida Leibowitz, Co-Founder and CEO of Debbie — a fintech platform that not only helps institutions attract younger members, but also rewards positive financial behavior to boost engagement and loyalty.

We discuss Debbie’s rapid growth, the findings from their recently released 2025 Digital Account Opening Guide, and what is holding most financial institutions back from achieving digital onboarding success.

If your organization is still relying on outdated forms, clunky ID verification, or legacy vendor excuses — this is the episode you can’t afford to miss.

However, banks that rush into action without understanding their organizational and cultural legacies will find their investments yielding disappointing results. The issue isn't the technology; it's that we equate activity with progress, making top-down decisions that overlook what's happening on the ground.

Our guest on the Banking Transformed podcast, Sophie Heller, is the newly appointed Chief Transformation Officer at BNP Paribas CPBS, bringing a unique perspective that combines strategic technology leadership with deep insights from behavioral sciences and organizational sociology.

Today, we explore why the pause before progress might be more important than the speed of implementation, how behavioral sciences are becoming essential tools for transformation leaders, and what it takes to redesign banking for an AI-powered world.

Welcome to Shaping Banking’s Next – podcast episodes hosted by Jim Marous and brought to you by Infosys Finacle and Qorus Global. These compelling episodes are inspired by the ‘Innovation in Retail Banking’ research, a report that has been tracking innovation trends, investment priorities, emerging business models, and real-world case studies for over 15 years.

In these episodes, visionaries, changemakers, and digital pioneers from the world’s leading banks will share how they’re driving innovation, transforming the banking value chain, and reimagining the future of banking. Join them as they explore bold strategies, innovative business models and next-gen technologies shaping the industry today and defining what’s next.

We explore how forward-thinking financial institutions are evolving beyond traditional banking to become true partners in financial wellness, utilizing insurance as a bridge to deeper, more meaningful customer engagement.

I'm joined on the Banking Transformed podcast by two industry experts: Erin Allen, Vice President of Insurance Strategy and Distribution, and Norm Brown, Senior Director of Client and Customer Experience at Franklin Madison.

If you've ever wondered why your customers might be more loyal to their insurance provider than their bank, or how to turn financial anxiety into opportunity, this conversation is for you.

I’m joined on the Banking Transformed podcast by Sumeet Grover, Executive Vice President and Chief Strategic Growth & Digital Officer at Austin-based University Federal Credit Union.

Sumeet is a renowned thought leader in financial services, with nearly two decades of experience at Citibank, where he held leadership positions spanning marketing, digital transformation, client experience, and operations. Most recently, he served as EVP and Chief Digital & Marketing Officer at Alliant Credit Union, the largest digital credit union in the United States.

In today's conversation, we explore the most significant obstacles hindering sustainable growth, identify the most promising opportunities on the horizon, and discuss how AI is fundamentally transforming the growth model for retail financial institutions.

Guest: Joe Schmithorst, VP of Product and Client Solutions at Primax

Joe brings decades of experience helping community banks transform their payment capabilities. In this episode, he reveals how smaller institutions can leverage modern architectures, embedded payment solutions, and customer-centric design not only to compete but also to outmaneuver larger competitors.

Key Topics:

- Building scalable card payment platforms on realistic budgets

- Emerging technologies: real-time payments and digital wallet integration

- Turning community banks' personalized service advantage into a competitive weapon

- Practical implementation strategies that deliver results

Discover how community banks can transform their biggest challenge into their greatest opportunity.

Rachel O'Neill from Alkami joins me on the Banking Transformed podcast to tackle the hard questions: Why do so many banks fail to activate their data strategically? How can institutions break through the paralysis of analysis and start driving tangible business outcomes? And what separates the winners from the wishful thinkers in today's data-driven banking landscape?

From streamlining back-office operations to enhancing customer financial wellness, it's clear that institutions embracing data-driven strategies are positioning themselves for sustained success in an increasingly competitive landscape.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening, payment security, and data analytics and marketing solutions. To learn more, visit www.alkami.com.

Building connections with this demographic isn't simply about launching another banking app or redesigning branches – it's about reimagining how a legacy institution can demonstrate relevance and value when financial decisions are increasingly made with a swipe.

As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, we sat down with Lamont Young, EVP, Head of Digital and Omni Channel Banking. He shares how to navigate this complex landscape, creating experiences that honor both the digital expectations and human reassurance these customers seek during uncertain financial times.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

I'm joined on the Banking Transformed podcast by Marc Corbett, Director of Solutions Engineering Americas for Backbase, to discuss one of the most pressing challenges facing retail banks today: effectively deploying AI solutions to drive growth.

We explore how retail banks can effectively overcome implementation challenges, harness AI technologies, and transition from reactive to proactive business models. Marc brings valuable insights on navigating this complex landscape to unlock what Backbase calls "Growth Mode" – a state where banks can fully leverage AI to drive sustainable competitive advantage in today's hyper-competitive marketplace.

This episode is sponsored by Backbase

Backbase helps financial institutions unlock growth mode by transforming fragmented experiences into seamless, customer-centric journeys. Whether it’s modernizing onboarding, streamlining lending, or scaling commercial offerings, Backbase powers the front-end innovation banks need to compete—and win. Learn more at backbase.com.

Our conversation explores how TD's digital ecosystem supports its brand promise with real-world examples of how the bank integrates advanced analytics, personalization, and multichannel engagement to make banking better for people.

Todd also discusses how TD's digital strategy has evolved to support rather than supplant human connections, resulting in measurable customer satisfaction and engagement improvements.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

Under Colin's leadership, Varo has revolutionized banking through innovative technology, human-centered design, and a mission to improve the financial health of millions of Americans.

We explore Varo's remarkable journey, their challenges, and how they leverage AI and product innovation to create sustainable competitive advantages in an increasingly crowded digital banking landscape.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, we spoke with Victor Alexander, Head of Consumer Banking at KeyBank, a leader who understands the delicate balance between tradition and innovation in financial services.

Victor will explore how leadership styles impact organizational agility and highlight KeyBank's approach to collaboration with solution providers that extends capabilities without massive internal investment.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

In this episode of Banking Transformed, we explore the dynamic landscape of banking product management with Puneet Chhahira, VP and Head of Product Management and Marketing at Infosys Finacle. Our conversation reveals how financial products are evolving beyond traditional services to meet changing customer expectations and technological possibilities.

Puneet shares valuable insights on how banks can foster innovation cultures, accelerate digital transformation, and effectively implement AI technologies to enhance both product development and customer experiences. We also discuss the critical role leadership plays in driving these changes and how banks can balance technological advancement with human-centered design principles.

We're joined on the Banking Transformed podcast by Alex Jimenez, Lead Principal Consultant at Backbase. Alex helps us understand the critical differences between consumer, small business, commercial, and wealth solutions – and why a one-size-fits-all approach fails in today's competitive landscape.

He also explores the unique needs of the commercial and wealth segments, examining the performance gaps currently plaguing the industry. The message is clear – financial institutions can no longer afford to focus exclusively on consumer digital experiences while neglecting their commercial and wealth management clients.

Jennifer will share invaluable insights from Zions Bank's journey, from the initial business case through implementation and beyond. Her firsthand experience navigating this intricate process offers a unique window into how financial institutions can successfully approach these mission-critical transformations while maintaining business continuity and enhancing customer experience.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

Fabio Biasella from EngageFI helps listeners develop frameworks for ensuring technology investments directly enhance customer experiences rather than simply adding capabilities. We explore why only 7% of institutions have fully achieved their digital transformation goals despite widespread recognition of its importance, and how experience-led approaches can accelerate progress.

The conversation will also provide practical guidance for building organizational resilience through customer-centric transformation, helping banks and credit unions create a sustainable competitive advantage regardless of marketplace shifts.

As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, our conversation explores how modern resilience in banking has evolved beyond disaster recovery to become a dynamic capability that enables personalization, real-time engagement, and proactive risk management.

This episode of Banking Transformed is sponsored by Naehas

Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

Today, we're joined on the Banking Transformed podcast by Tara Lacey, Regional Vice President of Customer Success at Backbase. Tara has made her career focusing on what truly matters in financial technology – not just helping to build innovative solutions, but ensuring they're effectively deployed to create real business value.

We explore the evolving philosophy of customer success in banking technology – where the emphasis isn't on selling solutions but on ensuring their successful deployment and adoption. We also discuss why implementation strategy is often more important than the technology itself.

As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, Lindsey Johnson, President and CEO of the Consumer Bankers Association, provides valuable insights into how the banking industry is adapting to a changing regulatory landscape in 2025. Johnson also discusses the CBA's evolving role in navigating the challenges of a new administration.

Finally, Johnson shares her perspective on how banks can navigate the uncertainty of leadership changes at key regulatory agencies while maintaining focus on consumer needs.

This episode is sponsored by Naehas. Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

We're joined on the Banking Transformed podcast by two experts from TransUnion who are at the forefront of understanding and combating these threats: Joshua Turnbull, VP of Card and Banking Strategy, and Craig LaChapelle, VP of Market Development. They'll share insights on why fraud losses are becoming more painful in today's high-cost environment, how fraudsters have adapted their strategies post-pandemic, and most importantly, how financial institutions can build resilience against these evolving threats.

Whether you're concerned about the 37% increase in synthetic identities, the fact that 30% of online applications now come from bots, or the alarming spike in early default rates, this conversation will equip you with the knowledge and strategies needed to protect your institution and customers.

This episode is sponsored by TransUnion. As part of a global information and insights company, the TransUnion Card and Banking business supports over 5,000 financial institutions in the US — from the largest card issuers and retail banks to community-based institutions and technology-driven card issuers. TransUnion has a world class identity spine – spanning consumer identity and behavior, email, device and calling data – that is recognized as a leader by analysts and trusted by the largest banks to enable their fraud strategies. https://www.transunion.com/extracreditpod?atvy=%7B%22264995%22%3A%22Experience+B%22%7D

I'm thrilled to be joined by Sathish Muthukrishnan, Chief Information, Data, and Digital Officer at Ally Bank, one of America's leading digital financial services companies. Sathish will examine broader industry trends and provide a forward-looking discussion of Agentic AI's potential to revolutionize banking relationships, including the ethical considerations involved.

This episode is sponsored by Naehas. Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

I’m joined on the Banking Transformed podcast by Tim Rutten, Chief Marketing Officer at Backbase, to discuss how financial institutions can unlock their growth potential in an increasingly competitive and rapidly evolving market. We discuss how leading banks break down traditional barriers between products, channels, and business units to create cohesive customer journeys that build deeper relationships and unlock new revenue streams.

Tim also provides actionable insights on prioritizing high-impact use cases that can be put into action today.

I’m excited to welcome back John Rosenfeld, President of Jenius Bank, the digital banking division of SMBC MANUBANK to the Banking Transformed podcast.

John discusses how digital banking must evolve beyond convenient transactions to become a financial partner that provides actionable insights for customers. By focusing on financial wellness, data optimization, and the mind-money connection, Jenius Bank creating differentiation in a highly competitive digital banking landscape.

Meanwhile, the rapid advancement of artificial intelligence and machine learning technologies has created both immense opportunities and significant challenges for banks trying to keep pace.

I'm joined on the Banking Transformed podcast by Lee Wetherington, Senior Director of Corporate Strategy at Jack Henry™ & Associates. Lee has been at the forefront of helping financial institutions navigate these complex data and AI challenges.

This episode is sponsored by Jack Henry. Jack Henry™ is a well-rounded financial technology company that strengthens the connections between people and their financial institutions through technology and services that reduce the barriers to financial health – with the purpose of empowering people and communities to gain the financial freedom to move forward. Visit jackhenry.com to learn more.

https://www.jackhenry.com/topi...

• LinkedIn: https://www.linkedin.com/company/6970 (Jack Henry)
• Facebook: https://www.facebook.com/JackHenryAssociates/ (Jack Henry)
• Twitter/X: https://twitter.com/JH_Fintech
• Instagram: https://www.instagram.com/jackhenry_fintech/

I’m joined on the Banking Transformed podcast by Kartik Ramakrishnan, CEO of Financial Services at Capgemini, to discuss the eye-opening findings from their just-released 2025 World Retail Banking Report.

This report reveals some concerning trends, including the a vast majority of customers are indifferent or outright dissatisfied with their current banking experiences. Meanwhile, banking executives are struggling to convert prospects into customers, with significant gaps between what consumers want and what banks are delivering.

But within these challenges lie extraordinary opportunities for transformation.

We explore how leading financial institutions are using the customer-centric "flywheel growth model" to attract, engage, and delight digital-first customers in an increasingly competitive landscape.

On today’s episode of Banking Transformed, my friend Eric Fulwiler, who is the co-founder and CEO of the marketing consultancy Rival, joins me to discuss how true marketing innovation will come not from the AI tools themselves but from proprietary customer insights and creative application of AI outputs.

Eric also shares practical frameworks for CMOs to evaluate AI investments, build team capabilities, and maintain a strategic perspective amid rapid change while providing tips for ongoing AI learning.

Joining me on the Banking Transformed podcast are Jeromey Farmer, Head of Data & AI for North America at Avanade, and Daragh Morrissey, Director of Artificial Intelligence for WW Financial Services at Microsoft.

Together, we'll unpack the report's findings, explore real-world AI use cases delivering value now, examine implementation opportunities and challenges, and look ahead to what's next, including the transformative potential of agentic AI.

Microsoft Copilot for Banking | Avanade

My guest on the Banking Transformed podcast is Debbie Bianucci, who led BAI for nearly 30 years before becoming President and CEO of ProSight. She, shares insights on the complementary strengths each organization brought to the merger and how their combined capabilities create a more comprehensive support system for financial institutions.

The conversation examines how ProSight is helping banks navigate digital transformation, changing customer expectations, regulatory complexity, and emerging risks. Debbie highlights ProSight's expanded suite of offerings, including decision support tools, research, learning programs, and peer networking opportunities designed to equip financial leaders with practical strategies for success.

In this episode of Banking Transformed, we sit down with Manny Tocco, Chief Operating Officer of Business Banking at Citizens Bank. Manny shares his insights on the major trends impacting small businesses and how financial institutions must reimagine their small business banking model from the ground up, balancing high-tech capabilities with high-touch relationship management.

Whether you're a banking executive seeking to enhance your small business strategy, a fintech leader looking for partnership opportunities, or a small business owner navigating the evolving financial landscape, this conversation offers valuable perspectives on creating meaningful banking relationships in a digital-first world that still craves human connection and expertise.

I’m joined on the Banking Transformed podcast by EJ Kritz, Chief Experience Officer at DBSI. EJ shares his expertise on the evolution of branch banking design and customer experience improvements. Recorded live at the Visionary Voices event in Chandler, Arizona, the conversation digs into how data-driven design decisions are helping banks optimize their physical footprint while enhancing customer engagement.

Whether you're looking to revitalize your branches or enhance your overall customer journey, this conversation offers valuable insights for financial leaders ready to transform their approach.

Today, we're joined on the Banking Transformed podcast by Rab Govil, CEO and founder of Naehas, whose platform transforms how banks create, manage, and execute financial products and offers. Rab shares practical insights on how banks can reduce time-to-market for new products, ensure consistent messaging across channels, and maintain regulatory compliance without sacrificing innovation.

Whether you're struggling with disclosure management, seeking to improve offer personalization, or modernizing your product pricing strategy, this conversation provides actionable solutions for banking's most pressing operational challenges.

This episode of Banking Transformed is sponsored by Naehas

Naehas accelerates value for financial institutions by leveraging deep expertise to strengthen how products, pricing, and compliance are structured, governed, and executed. Our platform enables institutions to align regulatory oversight, offer execution, and hyper-personalized engagement within a single, scalable framework. By integrating automation, structured governance, and data-driven decision-making, Naehas empowers financial institutions to focus on trust, operational transparency, and sustained growth.

Visit: https://www.naehas.com/?utm_source=Banking+Transformed&utm_medium=podcast&utm_campaign=FB

In this episode of Banking Transformed, we sit down with renowned fintech leader and author Leda Glyptis to explore the hard truths behind building what lasts. Drawing from her new book, Beyond Resilience: Patterns of Success in Fintech and Digital Transformation, Leda reveals that survival in this industry is not about luck or brilliance — it’s about mastering the art of doing hard, often unglamorous work, consistently and with precision.

Whether you’re leading digital change within a bank or launching the next disruptive fintech, this conversation will shift your perspective on what it really takes to beat the odds. If you’re ready to move beyond the hype and uncover the playbook for building the future of financial services, this is an episode you can’t afford to miss.

Most interestingly, despite the continued focus on improving digital delivery, organizations, especially credit unions, are still building new branches.

My guest on Banking Transformed, Mark Sievewright, Chief Strategy Officer for SRM, shares his perspective on where banks and credit unions focus their efforts and whether some of their investments may be misguided. He also discusses how the findings challenge conventional wisdom about digital transformation and highlight the complex balance between innovation and customer expectations.

In this episode of Banking Transformed, we're joined by Manish Gupta, CEO of Corridor Platforms, and Toby Brown, Managing Director of Global Retail Banking Solutions at Google Cloud, to discuss their groundbreaking partnership and how AI and cloud technologies can transform banking decisioning capabilities, enabling institutions to compete effectively while maintaining regulatory compliance.

Our guests will also share insights on overcoming implementation challenges, managing GenAI risks, and creating sustainable frameworks for long-term success in digital banking.

This episode of Banking Transformed is sponsored by Corridor Platforms

Financial institutions have made substantial investments in GenAI capabilities, yet face significant challenges in deploying high ROI customer-facing applications such as agent assist and Conversational IVR solutions. As banks’ Model Risk Management and Compliance teams grapple with novel GenAI risks without regulatory precedents, Corridor’s GenGuardX (GGX) platform emerges as a comprehensive solution designed by industry experts to bridge the gap between innovation and risk management.

For more information: https://ggx.corridorplatforms.com/

In this episode of Banking Transformed, Don Permezel, VP of Data & AI at nCino, joins us to explore how banks must evolve beyond mere data collection to unlock true customer value through AI-powered personalization.

The discussion reveals that while many banks excel at data collection and storage, they often fail to turn this data into actionable intelligence that enhances customer value.

This episode of Banking Transformed is sponsored by nCino

nCino is the leading provider of intelligent, best-in-class banking solutions, focused on streamlining operations for financial institutions. Its Cloud Banking Platform is a single end-to-end platform that can enhance loan origination, customer onboarding, compliance, and portfolio management for banks, credit unions, and lenders. Over 1,850 financial institutions worldwide use the platform to solve business challenges, digitize processes, and enhance the customer experience through speed and convenience.

For more information visit www.ncino.com/en-US

On this episode of the Banking Transformed podcast, Ahon Sarkar, SVP and general manager of Helix at Q2 discusses a revolutionary approach to core banking modernization. By combining Q2's digital banking platform, Helix's cloud-based core, and extensive fintech partnerships, Q2 Fabric enables financial institutions to launch modern digital products without replacing legacy systems.

The conversation explores how this solution helps banks and credit unions compete in today's digital landscape while minimizing risk and maximizing ROI.

In this episode of Banking Transformed, Barb Morgan, Chief Product & Technology Officer at Temenos, discusses how financial institutions can navigate this technological crossroads, examining strategies for optimizing tech spending, modernizing infrastructure, and leveraging emerging technologies like generative AI to enhance operational efficiency and customer experience.

We also explore the evolving role of leadership in driving technological change, including the critical balance between innovation and risk management. The conversation further addresses the industry's growing talent challenge – from recruiting tech-savvy professionals to upskilling existing teams.

Jeffrey Kendall, Chairman and CEO of Nymbus, is joining me today on the Banking Transformed podcast. We will discuss how data-enabled core banking is transforming financial institutions and enabling them to deliver personalized experiences that rival the largest banks and most nimble fintechs.

We also will explore the intersection of vertical banking strategies, real-time data analytics, and the future of community banking.

On this episode of the Banking Transformed podcast, Deena Otto, COO of Stanford FCU, and Dan Collins, Director of Digital Development at Visions FCU, share how their organizations are revolutionizing their approach to innovation. Rather than building solutions from scratch or undertaking time-consuming custom integrations, these institutions leverage pre-built components and standardized integration frameworks to deploy new solutions rapidly.

Learn how these two credit unions “punch above their fighting weight" by reducing what would typically be year-long development cycles into projects deliverable within three to six months.

In this episode of Banking Transformed, Michael Abbott, Senior Managing Director and Global Banking Lead at Accenture, discusses how artificial intelligence and emerging technologies will help banks bridge this gap. They will enable them to combine digital efficiency with the personal touch that defined banking's golden era.

We also explore how banks can differentiate themselves in an increasingly competitive landscape where technology alone is no longer enough to win customer loyalty.

In this episode of Banking Transformed, we are joined by Anil Aggarwal, the CEO of Milestone. Anil dives deep into the strategies and principles behind building a commanding digital presence. From content creation and audience engagement to measuring success and adapting to changing technologies, he shares the key elements of a successful online strategy.

Anil also shares ways financial institutions of all sizes can go beyond using their website for brand building to creating new business opportunities.

This episode of Banking Transformed Solutions is sponsored by Milestone

Milestone’s Digital Experience platform including SEO-first CMS and Generative AI platform empowers financial businesses to be easily found online, deliver personalized digital experiences, enhance customer engagement, and drive conversions—powered by data insights, personalized content, and generative AI. We enable our clients to lead their industries with technology that drives growth and measurable results and have over 10,000 websites on our platform across multiple verticals. URL: https://www.milestoneinternet.com/

On this episode of the Banking Transformed podcast, Anthony Ianniciello, VP of Product Management at Q2, and David Sant, Chief Strategy Officer at Cyprus Credit Union, explore how financial institutions can transform commodity banking transactions into differentiated, personalized experiences that build lifetime relationships.

Our guests share insights from both the technology and implementation perspectives, discussing real-world challenges and solutions in building a modern banking relationship strategy.

In this episode of Banking Transformed, Allison Cerra, the Chief Marketing Officer at Alkami Technologies and Casey Hogarth from Emerald Research Group discuss this first-of-its-kind research.

We explore why some organizations are growing 10 times faster than their peers, how smaller institutions are successfully competing against larger competitors, and what it takes to build a digitally mature business banking operation.

Most importantly, our guests will provide a roadmap for how any financial institution can accelerate its digital transformation journey.

Today's guest, Matt Wind, head of product management at Popular Bank, joins the Banking Transformed podcast. He brings a unique perspective to these challenges, having recently transitioned from a 26-year tenure at Comerica Bank to a leadership role at Popular Bank.

The discussion explores critical decisions regarding technology partnerships, innovation strategies, and the balance between building in-house solutions and partnering with third-party providers.

Terry O’Neil, Head of Connected Commerce for Citi Retail Services and Head of Strategic Partnerships for Citi U.S. Personal Banking, joins the Banking Transformed podcast to discuss how the convergence of traditional banking capabilities with modern digital experiences creates new growth opportunities while challenging established business models.

The discussion explores the impact on consumers, merchants, and financial institutions as we move toward an increasingly integrated financial ecosystem.

We discuss the surprising similarities in banking preferences across generations, the high level of trust in the banking industry, and the strong desire for personalized experiences. We'll also delve into the role of AI in fraud detection, the importance of data-driven personalization, and Gen Z's unique banking behaviors.

The findings challenge some common assumptions about generational differences in banking preferences and highlight important opportunities for financial institutions.

Jan Bellens, Leader in the Global Banking Practice at EY, joins us on the Banking Transformed podcast. He provides a global perspective on the state of banking transformation, regulatory frameworks, and the unique challenges and opportunities financial institutions face in uncertain times. He also provides guidance for financial institutions hoping to become more future-ready in 2025 and beyond.

Finally, we explore how leading banks must reimagine their infrastructure, highlighting that operational resilience has become the new competitive advantage in banking.

Today's guest, Ty Griffin, Senior Head of UX/UI at Alkami, joins the Banking Transformed podcast. He shares insights on how Alkami recently became the first technology provider Certified by J.D. Power for providing "An Outstanding Mobile Banking Platform Experience."*

Listeners will gain practical insights into creating distinctive digital banking experiences that drive engagement, satisfaction, and relationship growth. Listeners will also learn how to balance innovation with security and regulatory requirements.

*J.D. Power 2024 Mobile App Platform Certification ProgramSM recognition is based on successfully completing an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit jdpower.com/awards.

To explore these changes and better understand how banks and credit unions must prepare, we're joined on the Banking Transformed podcast by two leading voices in banking and fintech evolution: Brett King, renowned futurist and bestselling author, and Ron Shevlin, Chief Research Officer at Cornerstone Advisors.

Together, we discuss how technological advancements, changing consumer behavior, and market forces are reshaping the future of financial services. The conversation covers the evolution of primary banking relationships, the impact of embedded finance, and how traditional institutions can compete in an increasingly digital marketplace.

My guests also offer insights into which organizations are best positioned to succeed in 2025 and beyond.

On the Banking Transformed podcast, Brian McEvoy, Chief Retail Banking Officer at Webster Five Savings Bank, joins us. With extensive experience at national banks and community institutions, Brian brings unique insights into building successful community banking organizations in today's digital age.

Our discussion explores how smaller banks can compete effectively while maintaining their community-focused mission.

In this and the previous episode, we discuss the major trends shaping the industry, memorable guest insights, and my predictions for the future. Both episodes offer a unique perspective on how digital disruption has transformed banking and provide valuable insights into the challenges and opportunities that lie ahead.

In this and our following episode, we discuss the major trends shaping the industry, memorable guest insights, and my predictions for the future. Both episodes offer a unique perspective on how digital disruption has transformed banking and provide valuable insights into the challenges and opportunities that lie ahead.

Drawing from the latest Digital Banking Report, they explore the current adoption levels of AI in banking, the challenges institutions face in implementation, and strategies for bridging the AI readiness gap.

Download the Digital Banking Report, State of AI in Banking here.

This episode of Banking Transformed Solutions is sponsored by OpenText

OpenText™ is the leading Information Management software and services company in the world. We help organizations solve complex global problems with a comprehensive suite of Business Clouds, Business AI, and Business Technology. OpenText™ serves 19 of the top 20 Financial Services institutions globally. Unleash the power of AI and analytics to become a leading digital bank. For more information about OpenText (NASDAQ/TSX: OTEX) click here: Operational excellence in Banking | OpenText

This episode provides an in-depth look at the rapidly evolving AI landscape in financial services, backed by NVIDIA's latest industry survey of global financial services professionals. We explore why 75% of institutions consider their AI capabilities industry-leading or competitive and discuss the finding that 97% plan to increase their AI infrastructure spending this year.

Malcolm deMayo also shares insights on how institutions tackle key challenges, including data privacy and talent acquisition, while implementing AI across critical areas such as risk management, operations improvement, and customer experiences.

We explore the critical insights from Brian's latest work, which offers a roadmap for corporate executives navigating the complexities of leadership and innovation in an era of unprecedented change. We'll discuss how leaders can find clarity amidst uncertainty, harness the power of AI while maintaining a human touch, and leverage customer experience as a competitive advantage.

From redefining leadership in the digital age to embracing disruption as an opportunity for growth, Brian's 'MindShift' provides a fresh perspective on thriving in today's rapidly evolving business landscape.

Watts highlights the bank's extraordinary growth, transitioning from processing 100-200 loan applications annually to around 300 monthly applications, mainly due to rethinking internal processes and collaborating with innovative partners.

Watts also advises other financial institutions embarking on digital transformation, recommending a step-by-step approach, embracing change, and avoiding the temptation to implement all changes simultaneously.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

In a world where economic uncertainty has become the norm, the need to transform borrowers into wealth builders has never been more crucial. In this episode of Banking Transformed, we explore how the Debbie app has evolved, the challenges it has faced, and the impact it has had on users' financial behaviors.

Join us as we delve into Debbie's growth story, their adaptive strategies, and their vision for the future of financial wellness.

In this episode of Banking Transformed, we explore the evolving landscape of document and information management in financial services with Matt Geiger from Sharefile. We discuss critical challenges banks and credit unions face and how innovative solutions can address these issues head-on.

Matt also touches on the future of financial document management, including the role of AI and machine learning in creating more personalized, secure, and efficient systems.

This episode of Banking Transformed Solutions is sponsored by Sharefile

ShareFile helps professionals deliver modernized client experiences with collaboration and workflow technology that is highly secure, easy to use, and customizable to fit their organization’s unique needs. Designed with highly regulated industries in mind, ShareFile offers secure, digital technology to simplify workflows and improve collaboration. ShareFile works with your existing technologies and gives you added visibility, speed, and efficiency, without sacrificing security.

Visit sharefile.com

We discuss how banks and credit unions can harness data to drive strategic decisions, enhance customer experiences, and navigate the delicate balance between AI capabilities and human insights.

Jeremiah also shares his expertise on developing effective data strategies, ensuring privacy and security, and measuring the success of data initiatives in the ever-evolving landscape of modern banking.

This episode of Banking Transformed Solutions is sponsored by Velera

Velera, formerly PSCU/Co-op Solutions, is the nation’s premier payments credit union service organization (CUSO) and an integrated financial technology solutions provider. With over four decades of industry experience and a commitment to service excellence and innovation, the company serves more than 4,000 financial institutions throughout North America, operating with velocity to help its clients keep pace with the rapid momentum of change and fuel growth in the new era of financial services. Velera leverages its expertise and resources on behalf of credit unions and their members, offering an end-to-end product portfolio that includes payment processing, fraud and risk management, data and analytics, digital banking, instant payments, strategic consulting, collections, ATM and POS networks, shared branching and 24/7/365 member support via its contact centers. For more information, visit velera.com.

In this episode of Banking Transformed, we sit down with Sandeep Mangaraj, Microsoft's Managing Director of Fintech, to explore the critical role of speed in AI transformation for financial services.

Sandeep discusses the barriers to AI adoption in financial services, the risks of falling behind in this fast-moving technology landscape, and the tangible benefits of empowering employees with AI tools today. He also shares insights into how banks can experiment with AI responsibly while building the foundations for long-term success.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

We discuss the challenges and opportunities these shifts present for traditional banks and credit unions, the importance of leveraging real-time data, and the need for seamless digital experiences.

This episode of Banking Transformed is sponsored by Galileo

Galileo Financial Technologies, LLC and certain of its affiliates collectively comprise a financial technology company owned and operated independently by SoFi Technologies, Inc. (NASDAQ: SOFI) that enables fintechs, financial institutions, and emerging and established brands to build differentiated financial solutions that deliver exceptional, customer-centric experiences. Through modern, open APIs, Galileo’s flexible, secure, scalable and fully integrated platform drives innovation across payments and financial services. Trusted by digital banking heavyweights, early-stage innovators and enterprise clients alike, Galileo supports issuing physical and virtual payment cards, mobile push provisioning, tailored and differentiated financial products and more, across industries and geographies.

Visit galileo-ft.com for more information

Acevedo discusses the challenges and benefits of implementing a holistic customer data strategy and provides practical advice for banks looking to enhance their customer understanding.

This episode of Banking Transformed Solutions is sponsored by 360View

360 View is the CRM Platform developed for banks and credit unions, providing the necessary tools to maximize your team’s performance. Their solution offers the best 360-degree view of your customers empowering you to make smarter decisions and grow your relationships. The platform includes CRM, Marketing Automation, Analytics, Profitability, and Goal and Incentive Tracking and was recently named a Top CRM Solution by Banking CIO Outlook.

For more information visit www.360view.com

Since its inception in 2012, Money20/20 has grown from a startup conference to a global phenomenon, mirroring the rapid evolution of the banking industry itself. Scarlett shares insights on industry trends, the challenges facing traditional banks, and the innovations shaping our financial future.

Join us for a fascinating look at how Money20/20 has both witnessed and catalyzed the transformation of banking over the past decade.

Hartin shares insights into Bangor Savings Bank's evolution from a paper-based lending system to a fully digital process, highlighting the bank's advancements in achieving rapid loan processing times and improving customer service.

Hartin emphasizes the importance of balancing digital innovation with maintaining strong community connections, covering topics such as risk management, employee training, and strategies for engaging younger customers.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

We discuss the surprising similarities in banking preferences across generations, the high level of trust in the banking industry, and the strong desire for personalized experiences. We'll also delve into the role of AI in fraud detection, the importance of data-driven personalization, and Gen Z's unique banking behaviors.

The findings challenge some common assumptions about generational differences in banking preferences and highlight important opportunities for financial institutions.

We are excited to have Josh Turnbull, VP of Card and Banking Strategy, and Craig LaChapelle, VP of Market Development at TransUnion, join us on the Banking Transformed podcast. They discuss the changing patterns in consumer credit management, the emergence of new user segments, and how financial institutions are innovating to meet evolving demands.

They also delve into successful market strategies, the impact of AI and new technologies, and the ongoing battle against fraud, offering valuable insights for financial institutions looking to stay ahead in this dynamic marketplace.

This episode of Banking Transformed is sponsored by TransUnion

As part of a global information and insights company, the TransUnion Card and Banking business supports over 5,000 financial institutions in the US — from the largest card issuers and retail banks to community-based institutions and technology-driven card issuers — providing actionable data and insights to help them better compete and succeed in an ever-changing environment.

Extra Credit: A Card and Banking Podcast by TransUnion

We discuss how this solution allows consumers to get pre-qualified for multiple loan offers simultaneously, receive ongoing alerts when rates change in their favor, and how consumers benefit from continuous credit monitoring and expanded financial wellness tools.

Finally, we discuss how generative AI is set to revolutionize credit solutions and financial well-being across the entire banking ecosystem.

On today’s episode of Banking Transformed, we’re joined by two industry leaders: Sarah Martin, CEO of Pulsate, a company at the forefront of mobile engagement technology, and Eric Givens, SVP of Research and Development at Arizona Financial CU.

We discuss how real-time communication is not just about big data or complex algorithms, but about using new tools to create small, impactful moments that resonate with consumers on a personal level. Our guests also show how micro-engagements will continue to transform the banking experience, making it more human, more relevant, and more valuable for customers and financial institutions alike.

She highlights their achievement of processing personal loans in under five minutes and explains how they leverage technology partners to streamline operations. Kate also addresses the challenges of implementing rapid changes and the importance of employee buy-in.

Finally, Himes shares how Generations FCU uses data analytics for engagement and their vision for future innovations in financial services.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

We're joined by Mark Leher, Director of Product Management at Alkami and Jim Perry, Senior Strategist at Market Insights who will unpack the insights from Alkami's comprehensive 2024 State of the Industry report. This report offers a data-driven look at how rising rates have transformed everything from housing and auto loans to deposit behaviors and emerging fintech trends.

Whether you're a banking professional, a financial advisor, or simply someone trying to make sense of your own finances, this discussion promises to shed light on the forces shaping our economic future.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami’s Digital Sales & Service Maturity Model Assessment was developed to help banks and credit unions self-assess their digital maturity - and then take action on the results.

Take this 5 question assessment and compare your responses to benchmark data collected from hundreds of U.S. based regional and community institutions and determine just how digitally mature your FI is. Get your results now, and with it details to support you on your path forward.

Link to assessment tool: Sales and Service Digital Maturity Model Assessment

Our guests explore examples of alternative credit data points, the evolution of underwriting processes, and the regulatory considerations surrounding the use of non-traditional data. Warren also discusses Empower's recent acquisition of Petal Card and the future of credit, while Colton offers insights into the shifting focus from debit to credit products in the fintech space.

This episode of Banking Transformed Solutions is sponsored by LoanPro

LoanPro is the leading modern lending and credit platform enabling lenders to innovate quicker, driving growth while optimizing efficiency. Over 600 lenders use LoanPro to enhance their borrower, agent, and back-office experiences. LoanPro’s mission of providing the platform to innovate the future of finance is enabled through its composable architecture, allowing lenders to enhance their origination, servicing, collections, and payments, all supported by a modern lending core.

https://www.loanpro.io/

On today’s episode of Banking Transformed, we'll explore the challenges and opportunities facing financial marketers today with Eric Fulwiler, a great friend who is the co-founder and CEO of the marketing consultancy, Rival.

Whether you're a seasoned financial services professional or a marketing enthusiast curious about this dynamic field, this episode promises to deliver valuable insights and actionable strategies.

Jeff delves into the common challenges small businesses encounter with payment processing, such as high fees, security concerns, and integration issues and how financial institutions now have digital solutions they can offer through third-party providers.

Jeff also shares his vision for the future of global digital payments, highlighting trends like digital wallets, biometric authentication, cross-border payments, AI, and IoT.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

This episode of Banking Transformed is sponsored by Transcard

Transcard makes frictionless payments a reality with comprehensive global payment solutions designed for banks, fintechs, and businesses of any size and in any industry. Transcard delivers solutions for business-to-business (B2B) payments, consumer-to-business (C2B) payments, business-to-business-to-consumer (B2B2C) payments, and account-to-account (A2A) automation. Our solutions combine unmatched multi-rail capabilities, embedded workflows, best-in-class integration, effortless reconciliation, and bank-grade security. These are some of the reasons that 550 businesses and more than 200 banks trust Transcard with their payments.

Learn more at www.transcard.com/

Jonas and Colton also share their perspective on the potential impact of artificial intelligence in lending and highlight examples of companies that are successfully leveraging AI to revolutionize financial services.

This episode of Banking Transformed Solutions is sponsored by LoanPro

LoanPro is the leading modern lending and credit platform enabling lenders to innovate quicker, driving growth while optimizing efficiency. Over 600 lenders use LoanPro to enhance their borrower, agent, and back-office experiences. LoanPro’s mission of providing the platform to innovate the future of finance is enabled through its composable architecture, allowing lenders to enhance their origination, servicing, collections, and payments, all supported by a modern lending core.

https://www.loanpro.io/

In today's episode of Banking Transformed, we are honored to have Faisal Hoque, best-selling author and winner of the Deloitte Technology Fast 50™ designation. He discusses how influential leaders understand the importance of continuous learning and development for themselves and their employees to stay ahead of the curve and build the skills necessary to thrive in an ever-changing environment.

David also discusses how a unique personal line of credit product can support financial security while stemming potential attrition and the importance of understanding the member lifecycle.

Finally, the discussion underscores the importance of organizational culture in driving credit innovation.

Today, banks are increasingly focused on user experience, personalization, and real-time functionality, while also enhancing security measures to build digital trust.

In this episode of Banking Transformed, we are joined by Siva Narendra, the CEO of Tyfone. Siva discusses how consumers are driving the advancement of digital banking using experiences outside banking to drive expectations and innovation.

This episode of Banking Transformed Solutions is sponsored by Tyfone

Tyfone is the creator of nFinia®, a dramastically better retail/commercial digital banking platform for community financial institutions, as well as several platform-agnostic, revenue-generating digital business solutions. Our highly configurable platform and broad ecosystem of third-party partners ensure our entire suite is scalable and extensible to meet the needs of any FI.

https://tyfone.com/

They share insights on how Laurel Road has grown serving medical professionals and other key segments and how LoanPro supports innovative lending solutions after loans are booked. They also discuss the power of personalization in driving customer acquisition, cross-sales and loyalty.

Finally, Jonas and Colton share their thoughts on the three key areas for differentiation in credit and lending: interest rates and terms, product offerings, and the servicing experience. They emphasize the critical role of modernized infrastructure to enable the creation of unique and personalized products.

This episode of Banking Transformed Solutions is sponsored by LoanPro

LoanPro is the leading modern lending and credit platform enabling lenders to innovate quicker, driving growth while optimizing efficiency. Over 600 lenders use LoanPro to enhance their borrower, agent, and back-office experiences. LoanPro’s mission of providing the platform to innovate the future of finance is enabled through its composable architecture, allowing lenders to enhance their origination, servicing, collections, and payments, all supported by a modern lending core.

https://www.loanpro.io/

We delve into his latest book, Financial Literacy for All, and explore the critical role of financial education in building a new American middle class. John discusses the challenges and successes of promoting financial dignity, his influence on federal financial policies, and the future of financial literacy in a digital age.

This conversation is a deep dive into the transformative power of financial knowledge and the ongoing fight for economic equality.

We are excited to have Olly Downs, Chief Technology and AI Officer at Curinos on the Banking Transformed podcast, join us on the Banking Transformed podcast. Olly will discuss the importance of personalizing experiences and engagement in banking, and what marketing executives must do now to prepare for a future of hyper-personalization.

Olly also discusses the impact of AI and machine learning on customer engagement and the challenges banks face in implementing personalization strategies at scale.

This episode of Banking Transformed Solutions is sponsored by Curinos

Amplero Personalization Optimizer is the only personalization solution built exclusively for Financial Institutions. It’s tuned for critical financial use cases and workflows – including onboarding, cross-selling and deposit growth. Where other personalization tools have limited testing capabilities—think A/B testing where you pit just one variable against another—Amplero dynamically and continuously fine-tunes the experience to deliver the best option among an entire universe of options, every time. Curinos recently announced expanded creative management workflow capabilities for Amplero incorporating generative AI, allowing marketers to rapidly create fresh, engaging content tailored to each client's individual needs that is relevant throughout the entire customer lifecycle.

Pierre shares nCino's approach to talent acquisition, training, and development, highlighting the importance of continuous learning and adaptability. He also discusses the challenges banks face in attracting and retaining top talent in a competitive market and offers strategies for overcoming these obstacles.

This episode of Banking Transformed Solutions is sponsored by nCino

nCino is the worldwide leader in cloud banking. Through its single software-as-a-service platform, nCino helps financial institutions serving corporate and commercial, small business, consumer, and mortgage customers modernize and more effectively onboard clients, make loans, manage the loan lifecycle, and open accounts. Transforming how financial institutions operate through innovation, reputation and speed, nCino is partnered with more than 1,800 financial services providers globally.

Visit https://www.ncino.com/ for more information.

On this episode of Banking Transformed, recorded live at the Financial Brand Forum, we dive into BMO's journey, exploring how Brianna and her team broke down silos, empowered agile teams, and digitized processes from end-to-end.

We also discuss the key lessons learned along the way, and what it takes to foster a truly customer-centric, digital-first culture in banking. Finally, we discuss the impact communication has to build both positive customer and employee experiences.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

The conversation covers the importance of digital growth and meeting customers where they are, to the delicate balance of risk sensitivity and streamlined processes.

She also discusses the challenges and successes of implementing a new loan operating system and the potential impact of AI on the future of mortgage lending. Finally, she offers listeners valuable insights into how community banks can navigate the complexities of digital transformation in the lending space in the future.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

Dennis discusses the strategies behind Alliant's purpose-driven approach, from fostering a culture of innovation to delivering superior rates and service through operational efficiency. He also shares his thoughts on the challenges and opportunities facing credit unions in the digital age, and offers advice for all financial institutions looking to adopt a more purpose-driven approach.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

In this episode of Banking Transformed, Deep Varma, CTO at Alkami, explores the technological challenges, regulatory developments, and strategies for success in this new era of financial services.

Deep also discusses how organizations of all sizes should be positioned to embrace the open banking revolution, leading to a more customer-centric, efficient, and embedded financial services landscape.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami’s Digital Sales & Service Maturity Model Assessment was developed to help banks and credit unions self-assess their digital maturity - and then take action on the results.

Take this 5 question assessment and compare your responses to benchmark data collected from hundreds of U.S. based regional and community institutions and determine just how digitally mature your FI is. Get your results now, and with it details to support you on your path forward.

Link to assessment tool: Sales and Service Digital Maturity Model Assessment

So, what role will branches play as consumer expectations evolve in an increasingly digital world? How are branches adapting and integrating technology? We explore these questions and more with Steve Turley, SVP, Head of Retail Growth and Transformation at TD Bank on the Banking Transformed podcast, recorded live at the Financial Brand Forum. We also discuss TD Bank's retail delivery strategy and why that human touch remains critical.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

As credit unions face increasing competition from nimble fintechs and larger traditional players, finding new ways to innovate and stay ahead of the curve is more important than ever. April and her team at MSUFCU have developed a unique approach to this challenge, leveraging in-house tech talent and a Credit Union Service Organization (CUSO) to create "composable solutions" that drive member value and growth.

We explore the strategies behind this approach and learn how other financial institutions can foster grassroots innovation and accelerate the creation of new solutions, even with limited resources.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

It's clear that the role of the marketer is evolving, and those who can effectively harness the power of Gen AI while maintaining a focus on creativity, strategy, and consumer trust will be well-positioned for success. As a senior financial services leader with extensive experience in blending the art and science of marketing, Abbas brings a unique perspective on how Generative AI is poised to revolutionize the marketing landscape.

In this episode, we explore the potential of Gen AI, its implications for marketers, and how it's set to transform the way we approach marketing strategies and operations.

On the Banking Transformed podcast, recorded live at the Financial Brand Forum, I’m with Don Relyea, Chief Innovation Officer at U.S. Bank, where he explores the strategies and approaches that are reshaping one of America's largest and most respected financial institutions.

From the cutting-edge technologies being explored in U.S. Bank's innovation lab to the challenges of shifting a legacy culture towards agile innovation, we take a deep dive into the art and science of driving change in a complex and rapidly evolving industry.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

Recorded live at the Financial Brand Forum, I am joined on the Banking Transformed podcast by Melissa Stevens, CMO of Fifth Third Bank. We explore the art and science of modern marketing in the banking industry. Melissa also shares her insights on how Fifth Third is reimagining customer engagement, leveraging data analytics to drive personalization, and aligning marketing strategies with broader organizational objectives.

Finally, she discusses the challenges of stemming 'silent attrition' in the face of increasing competition from fintechs and digital neobanks.

With his extensive experience at the forefront of innovation, including launching the world's first online bank and driving customer experience at leading institutions like U.S. Bank, BBVA, Barclays, and Google Cloud, Derek brings a unique perspective on the future of banking in the digital age.

In our discussion, we explore emerging trends, the principles of human-centered design, and strategies for building trust and loyalty in an increasingly digital world.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

In this episode of the Banking Transformed podcast, I sit down with Amber Isaku, VP of Lending at A+ Federal Credit Union, at the MeridianLink LIVE event in Nashville, Tennessee. The conversation delves into the credit union's journey to digitize and personalize the lending experience for its members while maintaining a human touch in an increasingly digital landscape.

Amber also highlights the credit union's efforts to democratize data access across various departments enabling employees across the organization to make data-driven decisions and deliver tailored experiences.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

In this episode of Banking Transformed, we're excited to welcome Maria Echeverria, VP of Business Development at Latinia, a leading provider of real-time engagement solutions for the banking industry. We explore the challenges and opportunities banks face in delivering hyper-personalized experiences, the role of event-driven architectures in enabling this transformation, and the future of customer engagement in banking.

We also discuss where organizations must start in this personalization journey.

This episode of Banking Transformed Solutions is sponsored by Latinia

Latinia stands out as a trailblazer in software solutions for the banking sector, emphasizing its expertise with core technologies such as “Critical Gateway” and “Next Best Action (NBA)” systems. These products empower financial institutions to convert every event into meaningful communication, enhancing customer experiences through real-time personalization and efficiency. With over two decades of experience, Latinia excels in providing real-time transaction analysis, ensuring contextual, personalized, timely, and relevant communication. This supports banks in customer experience and retention, while expanding new business opportunities.

For more information: https://latinia.com/en/

As traditional banks, neobanks, and fintechs continue to navigate an increasingly complex and competitive landscape, Matt's unique perspective and deep industry knowledge offer invaluable insights into the future of the financial ecosystem. With his finger on the pulse of the most disruptive technologies and innovative business models, Matt is the perfect guest to help us understand the current state of fintech and what lies ahead for the industry.

Matt also shows that success in this space requires a combination of innovation, adaptability, and a deep understanding of customer needs.

Our guest is Chris Gufford, Executive Director of Commercial Lending at nCino, who discusses an innovative solution that harnesses the power of generative AI to augment the banker experience, streamline processes, and deliver intelligence at the moments of the customer journey.

Chris shares the challenges, surprises and the future of generative AI solutions for the banking industry and the importance of integrating generative AI solutions within banking now as opposed to assuming the role of a 'fast follower'.

This episode of Banking Transformed Solutions is sponsored by nCino

nCino is the worldwide leader in cloud banking. Through its single software-as-a-service platform, nCino helps financial institutions serving corporate and commercial, small business, consumer, and mortgage customers modernize and more effectively onboard clients, make loans, manage the loan lifecycle, and open accounts. Transforming how financial institutions operate through innovation, reputation and speed, nCino is partnered with more than 1,800 financial services providers globally.

Visit www.ncino.com for more information.

Chimney's embedded financial tools, engage more customers digitally, generate core deposits, and fund more loans with intelligent recommendations. This has resulted in significant attention, winning Best of Show awards at both FinovateSpring 2021 and FinovateFall 2023.

Join us as we explore how Chimney is helping financial institutions compete for wallet share, using its award-winning financial calculators to capture valuable customer data, and move leads to product sales faster in the digital age.

Wheeler emphasizes the importance of a data, analytics and a digital-first mindset and the role of leadership in driving change within the organization. He also highlights how Fortera's stable and forward-thinking management team has been instrumental in fostering a culture of innovation.

By understanding member behavior and anticipating their needs, the credit union aims to provide personalized recommendations and proactive support at key moments in their members' financial lives.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

She will also discuss the importance of leveraging customer data and analytics to provide personalized communication and experiences and the impact on long-term loyalty

Finally, Nicole shares her expert insights on assessing current marketing efforts, identifying areas for improvement, and implementing effective strategies to bridge the gap between the past and the future of banking.

Despite the challenges posed by an uncertain economic environment, Meriwest Credit Union has demonstrated the ability to innovate at speed and scale, largely due to their strategic partnership with Terafina, a leading provider of digital banking solutions.

Join us as we explore how this forward-thinking credit union has leveraged digital capabilities to transform their operations, enhance member experiences, and position themselves for long-term success.

This episode of Banking Transformed is sponsored by Terafina, an NCR VOYIX Company’

Terafina, an NCR VOYIX Company, provides digital onboarding and omnichannel sales

solutions that are simple and secure to financial institutions. Terafina’s omnichannel sales platform is a multichannel product suite offering consumer deposits and lending, real estate, small business deposits and lending, commercial deposits, merchant services, and cryptocurrency account opening—across digital, branch, and call center channels.

For more information visit https://terafina.com/

Scott shares his insights on the company's journey since acquiring Radius Bancorp in 2021, and the future prospects for growth since successfully exiting from the three-year Operating Agreement required of new banks.

Finally, Scott provides his vision for the future of banking, and how he sees LendingClub's role in shaping this future.

In this episode of the Banking Transformed Podcast, we are excited to welcome Erin Allen, VP of Insurance Distribution and Market Strategy at Franklin Madison. Through real-world examples and practical advice, Erin sheds light on the transformative power of testing and its potential to drive unparalleled marketing results for any sized organization.

This episode of Banking Transformed is sponsored by Franklin Madison

Franklin Madison builds financial security for individuals and families by delivering industry-leading insurance products and marketing services through banks and credit unions. We provide an end-to-end insurance program for their consumers by choosing the best insurance carrier products, using data and multi-channel marketing to reach those consumers most likely to enroll, and providing concierge service. Franklin Madison helps generate increased loyalty and incremental revenue for financial institutions.

https://franklin-madison.com/

Devesh also shares how the partnerships with solution providers have changed over time and what organizations are looking for in a third-party provider. Finally, he shares the keys to success for banks and credit unions in the short and long term.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

He believes it’s time to move from the initial hype surrounding the use of AI to the point where AI becomes a profitable and practical foundation for ongoing resilience.

Sriram also shares the delicate equilibrium that must exist between customer-centric approaches and regulatory adherence.

This Episode of Banking Transformed is Sponsored by Quinte

Quinte leverages the prowess of generative AI, machine learning algorithms, and human intelligence to streamline financial institutions' operational processes. We continue to chronicle enterprise-augmented models with trust and explainability to deploy autonomous intelligent process orchestration while strengthening ethical AI practices across our solutions. Through our AI Model Governance framework, financial institutions benefit from adaptive compliance and proactive engagement.

For more information visit https://quinteft.com/

Rodney shares his vision for the future of finance and wellness for less represented communities and also offers advice for aspiring entrepreneurs seeking to create innovative financial solutions that promote inclusion and empowerment.

This episode is a must-listen for anyone interested in the intersection of finance, technology, and social impact.

Chris also shares how financial institutions of all sizes can harness the full potential of their data, gain a 360-degree view of their customers, and deliver targeted, timely solutions that increase engagement, sales and revenues.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

This groundbreaking tool empowers banks and credit unions to evaluate their digital maturity and provides actionable insights to navigate their digital journey. Today, we have the pleasure of chatting with Allison Cerra, Chief Marketing Officer at Alkami and Casey Hogarth, Senior Director at Emerald Research Group about the development and deployment of this industry-first self-assessment tool and explore how it can revolutionize the way financial institutions approach their digital strategies.

Allison and Casey emphasize the importance of understanding where financial institutions stand in their digital journey and how the assessment serves as a compass to navigate the complex landscape of digital transformation.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami’s Digital Sales & Service Maturity Model Assessment was developed to help banks and credit unions self-assess their digital maturity - and then take action on the results.

Take this 5 question assessment and compare your responses to benchmark data collected from hundreds of U.S. based regional and community institutions and determine just how digitally mature your FI is. Get your results now, and with it details to support you on your path forward.

Link to assessment tool: Sales and Service Digital Maturity Model Assessment

Joining me for this insightful discussion are Jacob Leick, Director of Product Management at Alkami Technology and Mandy Lopez, Lead Product Manager at Alkami.

We explore the importance of building strong relationships with business clients, adapting to the consumerization of commercial banking, maximizing the revenue potential while reducing back-office expenses and leveraging technology to level the playing field against larger competitors.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. empowers financial institutions to evolve and thrive in the new digital age of banking. Our premium digital banking platform powers regional banks and credit unions to grow confidently, innovate at speed, and adapt nimbly—all while providing a secure, frictionless experience to the consumers and businesses they serve—24/7/365.

Accelerate your digital transformation journey with Alkami today. Visit alkami.com for more.

We delve into various use cases and adoption patterns, including internal organizational applications, enhancing customer experiences, and the development of new product offerings made possible by this new technology.

Daragh provides a roadmap for banks looking to adopt generative AI, emphasizing the importance of defining a clear strategy, choosing the right copilot for specific use cases, and fostering a culture of continuous learning and reskilling. This episode is a must-listen for anyone interested in understanding how generative AI is reshaping the banking industry and unlocking new opportunities for innovation and growth.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

More at Microsoft.com/financialservices

Jacob shares his groundbreaking research on the top 7 leadership trends for 2024 and how they will impact the banking industry. Jacob reveals actionable strategies to help you and your organization navigate the complexities of modern leadership.

From leading with vulnerability to enhancing employee experience, prioritizing skills over jobs, and embracing AI and hybrid work models, Jacob offers practical strategies for banking executives looking to future-proof their organizations.

Understanding customer psychology to optimize pricing strategy is more important than ever. Melina shares her unique perspective on incorporating behavioral economics into banking to create positive outcomes for institutions and account holders alike.

We discuss common mistakes banks make with pricing, how to better understand the motivations and needs of modern banking customers, and tips for optimizing product pricing strategies. This interview is essential listening for any bank looking to leverage behavioral psychology for sustainable digital growth.

Robin discusses how social media isn't just for consumer goods but can be a powerful tool for financial products as well. Robin also shares insights from his book on how to make financial products go viral, the importance of becoming an influencer in your market, and why traditional marketing channels are fading away in favor of dynamic, strategic content on platforms like LinkedIn, TikTok, and Facebook.

Finally, Robin suggests that as technology and consumer behaviors evolve, so too must the strategies employed by finance professionals to remain relevant and successful.

We discuss how KlariVis compiles data across disparate bank systems into unified dashboards, giving financial institutions actionable insights to drive smarter decision making, greater efficiency, and accelerated growth. Through the democratization of insights, informed decisions can delivered faster than in the past.

This episode of Banking Transformed Solutions is sponsored by KlariVis

KlariVis® is the only cloud-based, core-agnostic enterprise dashboard and analytics solution built for bankers, by bankers. The KlariVis platform compiles and aggregates high-value, actionable data across disparate systems into an intuitive, interactive dashboard that provides financial institutions of all sizes with timely insights that empower teams, drive profitability, and improve productivity at every level of the organization.

For more information visit klarivis.com/features

We’ll be exploring BMO’s partnership with Springfour to move beyond transactions and debt collection by linking customers with financial resources. This innovative collaboration aims to show empathy, build loyalty, and strengthen financial health, making banking truly work better for consumers through mission-aligned innovations.

This discussion will make it clear that combining capabilities for economies of technology and empathy can construct a brighter future for customers and institutions alike.

We discuss the need for banks to adapt to changing customer expectations and the growing importance of sustainable banking practices. We also highlight the need for speed, emphasizing the practical applications of these trends.

The conversation provides a roadmap for banks and credit unions to navigate the evolving banking ecosystem and embrace these transformative trends.

In this episode, we explore how generative AI is reshaping the future of work, the delicate balance between humans and machines, and the transformative potential of AI as the foundation of modern businesses.

The future is being rewritten by AI, but still led by the creativity of visionary and adaptive talent. The lessons shared today apply across all sectors - obsolete skills matter less than learning new ones.

Gabe provides compelling case studies demonstrating Kasasa's impact on community banking. He stresses the importance of distinguishing between real growth and transient gains, offering strategic advice for institutions navigating today's financial landscape.

Gabe's vision for a robust, community-focused banking future leaves us with a deeper understanding of the pivotal role Kasasa plays in the industry.

This episode of Banking Transformed Solutions is sponsored by Kasasa

Kasasa is a financial technology provider committed to driving real growth for community banks and credit unions to help them recapture market share. Since 2003, their branded retail products, and expert consulting services have helped their clients attract, engage, and retain consumers nationwide. Today over 600 community banks and credit unions rely on Kasasa to manage over $20B of core deposits.

For more information visit https://offer.kasasa.com/offer-kasasa

Senior Prophet Partner, Ted Moser, explores pragmatic steps banks can take to compete in the platform economy, offering examples of creative platform models used by industry giants like Amazon, Uber, and Airbnb.

Ted’s insights provide a treasure trove of actionable strategies, setting the stage for banks to thrive in the face of massive industry change.

Grant shares insights into how Travis CU leverages modern technologies to deepen member relationships through personalized experiences, earning the credit union industry awards for excellence.

We also discuss how a community-based credit union can compete successfully in a crowded market filled with major banks and new fintech entrants.

To navigate these complex waters, we're joined on the Banking Transformed podcast by Rick Vanover is Senior Director of Product Strategy at Veeam. Veeam is at the forefront of providing cutting-edge solutions for data protection and management in the cloud era.

Rick shares insights on how Veeam's innovative approaches are safeguarding financial institutions against these threats and ensuring operational continuity in the face of ongoing digital transformation and cloud adoption.

This episode of Banking Transformed Solutions is sponsored by Veeam Software

In today's financial service landscape, security, compliance, and agility are paramount. Veeam’s Kasten K10 solution emerges as a top choice for banking and insurance companies looking to protect their Kubernetes data with leading security and compliance features like end-to-end encryption and RBAC. Kasten K10 supports a broad ecosystem of data services, empowering financial institutions to scale quickly and securely.Find out more https://www.kasten.io/free-kubernetes

In this episode, we'll uncover the current dynamics of the community bank ecosystem, confront the challenges these institutions face, and explore the opportunities that lie ahead.

We also discuss the key regulatory issues of 2024 and celebrate the milestones under Rebeca's leadership at ICBA.

Her perspectives on the future of community banking, digital transformation, and the role of local banks in fostering economic growth provide valuable insights for financial executives across all asset categories.

We’ll hear about her professional journey and the difference between fostering innovation at industry stalwarts versus scrappier upstarts. Megan will also share her wisdom around the ongoing challenges women leaders face in finance along with how she achieves work/life balance while raising a family.

Finally, Megan shares what excites her about the industry’s trajectory and why she sees abundant opportunities still ahead as finance continues transforming.

From economic conditions to emerging technologies, competitive dynamics to customer behaviors, this report explores the most pivotal trends on the horizon for 2024.

With over 20 years of experience advising banks on digital transformation and technology strategy, Pål shares his expert perspectives on the defining challenges and opportunities ahead for financial institutions, and how technology factors into strategies for remaining relevant amid digital disruption.

Ally’s emphasis on co-piloting change also signals the value of strategic partnerships between banks and tech players in steering AI’s responsible adoption, providing a blueprint for financial institutions of all sizes eyeing productive AI integration.

Joining me on the Banking Transformed podcast to discuss this exciting collaboration is Priya Gore, General Manager, Data & AI for US Financial Services at Microsoft and Sathish Muthukrishnan, Chief Information, Data and Digital Officer at Ally.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft and its partner ecosystem help banks reduce cost and risk, modernize core systems, and delight customers and employees to achieve differentiation and spur sustainable growth.

More at Microsoft.com/financialservices

But, it's not just about big data; it's about the right data — transforming information into actionable strategies that drive customer engagement, loyalty and trust.

Allison and I explore how banks can leverage analytics to create insight-driven campaigns, the importance of personalization in marketing, and how technology is shaping the future of customer interactions in banking.

I’m joined on the Banking Transformed podcast by Brett King, a trailblazer whose foresight has continually heralded the next wave of financial innovation. Together, we dissect the advancements and upheavals that will reshape the banking world in 2024 and peer into the future, envisioning what banking might look like as we approach the dawn of 2030.

More than ever, bankers must understand these trends and harness the opportunities ahead of us in order to thrive in the years ahead.

Rohit's insights challenge conventional wisdom and give us a thought-provoking glimpse into how society can evolve in the realms of living, thinking, and thriving at a time when change is happening faster than ever before.

With his book providing a roadmap of the significant changes ahead, we explore the implications for individuals, businesses, and indeed, the future of banking. This enlightening conversation will expand your perceptions of what's possible and how you and your organization can be future-ready.

In this episode of Banking Transformed, we are joined by Anu Sachdeva, global solutions & service line leader for banking and capital markets at Genpact, a global professional services firm focused on delivering outcomes that transform businesses.

Anu and I talk about the opportunities and change that generative AI can bring to financial institutions, the four key considerations for financial institutions and other enterprises to follow, the steps toward integrating gen AI most effectively, and the use cases that offer unexpected possibilities.

This episode of Banking Transformed Solutions is sponsored by GenPact

With 25 years of experience leading digital transformations at Fortune 500 companies, Genpact empowers financial institutions to develop, deploy, and scale gen AI solutions. Fast. At Genpact, we do more than rethink banking operations; we're democratizing AI so firms can anticipate customer needs, deliver seamless experiences, reduce financial crime, and grow revenue. Learn more about our AI solutions.

As data continues to be the foundation of AI applications, we explore the potential of generative AI in financial services, as well as the practical realities and limitations financial institutions need to consider. Moreover, we touch on the competitive and regulatory landscape and how financial leaders can navigate it when adopting generative AI solutions.

In the crystal ball segment of our discussion, Ron shares his vision for the future of generative AI in the financial sector and provides valuable insights into what financial leaders must be doing today to prepare for the AI-powered tomorrow.

In this interview, we unravel the latest developments in retail banking, including the intense competition for deposits amidst economic uncertainty, changes in digital marketing strategies, recent payment and lending innovations, the increasing role of trust, and the potential impact of generative AI.

Rob provides perspectives on how banks can respond to these trends and best position themselves for the future at a time of immense challenges ... but also unique opportunities for those organizations willing to embrace change.

In today's digital world, understanding customers and delivering personalized experiences have become critical capabilities for banks to drive growth. However, many institutions still struggle to gain a complete view of each customer and orchestrate relevant engagements across channels.

Our discussion with James White explores how banks and credit unions can leverage customer intelligence, personalize journeys, and leverage human + digital touchpoints to transform relationships and performance.

This episode of Banking Transformed Solutions is sponsored by Total Expert

Total Expert is the leading fintech software company that delivers a purpose-built customer engagement platform for modern financial institutions. Total Expert unifies data, marketing, sales, and compliance solutions to provide a cohesive experience across the customer lifecycle. Total Expert turns customer insights into actions to increase loyalty and drive growth for banks, lenders, credit unions, and other financial services firms.

Visit totalexpert.com to learn more.

The guests provide valuable insights into the evolving payments landscape, discussing the challenges and opportunities surrounding payments modernization and offering advice to financial institution leaders looking to navigate these changes successfully.

The episode also provides perspectives on the technologies and trends poised to shape the payments industry's future, from delivering instant payments to managing fraud and the potential of alternative payment options.

This episode of Banking Transformed Solutions is sponsored by Juniper Payments, a PSCU Company

PSCU, the nation’s premier payments CUSO and an integrated financial technology solutions provider, supports the success of more than 2,400 financial institutions and processes nearly 7.7 billion transactions annually. Committed to service excellence and focused on continuous innovation, PSCU enables credit unions to securely grow and meet evolving consumer demands.

For more information visit pscu.com

In this interview, we explore the world of Web3 and discuss how Web3 differs from today's internet, what components are real versus hype, where this technology may be headed next, and its potential impacts on banking and financial services.

Alex also discusses high-impact potential Web3 use cases for banks like reinvented payments, lending and investments, and shares how banks can navigate the challenges and seize the opportunities presented by the Web3 revolution.

To explore how banks can leverage data, analytics and technology to better understand and serve customers, we're joined by Devesh Khare, CPO at MeridianLink on the Banking Transformed podcast.

We discuss how banks must reinvent consumer engagement to be future-ready. By leveraging data, analytics and technology financial institutions will be better equipped to understand consumers and deliver personalized experiences at speed and scale.

This episode of Banking Transformed Solutions is sponsored by MeridianLink

MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink’s scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle.

MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

In this episode, we explore SavvyMoney's product roadmap, the convergence of credit education and personalization, the vital role of data, insight, and technology in driving engagement and the state of fintech and banking collaborations.

We also discuss how generative AI is set to revolutionize credit solutions and financial well-being across the entire banking ecosystem.

Flexible working has produced a ‘crisis of trust’ and a ‘productivity paranoia’ in employers, but there needs to be a mindset shift and recognition that ‘performance does not equal presenteeism,’ states Cambon.

The pandemic and the emergence of generative AI have radically changed how employees experience corporate culture, and firms must embrace the new reality. The question will be whether leadership is ready for the changes the workplace of the future presents.

This episode of Banking Transformed is sponsored by Microsoft:

Microsoft and its partner ecosystem help banks reduce cost and risk, modernize core systems, and delight customers and employees to achieve differentiation and spur sustainable growth.

More at Microsoft.com/financialservices

We explore how hybrid cloud can support complex banking workloads, foster innovation, and drive advanced technology strategies. We'll also delve into the crucial aspect of managing risk in hybrid cloud implementations within the banking sector.

Whether you're a banking professional, a technology enthusiast, or simply curious about the future of finance, this conversation is a must-listen.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM is a leading provider of enterprise AI, hybrid cloud architecture, security and ESG insights to the global financial services sector. Our deep industry expertise, extensive portfolio of services and solutions, and robust ecosystem of fintech partners, empower collaboration, innovation, and creation. As a trusted partner to banks, insurers, the capital markets and payments providers, we guide financial institutions in all stages of their digital transformation journeys through IBM Consulting and deliver the proven infrastructure, software and services they need through IBM Technology. To learn more about IBM's insights and solutions for the financial services industry, please visit www.ibm.com/industries/financial-services.

With this in mind, how do banks connect with and build loyalty among the emerging Gen Z demographic. What technologies, products and messaging matters?

Joining us on the Banking Transformed podcast is a true expert in the field, Brendan Coughlin, Vice Chairman and Head of Consumer Banking at Citizens. Brendan has extensive experience in navigating these dynamic shifts, providing invaluable insights into this very demanding segment of the population.

On this episode, we explore the critical steps banks must take to embrace embedded banking and thrive in the platform economy.

Our guest on the Banking Transformed podcast is Shanker Ramamurthy, Global Managing Partner Banking & Financial Markets, IBM Consulting. We discuss the key findings from IBM's latest research on this banking transformation imperative.

My guest on the Banking Transformed podcastis Wayne McCulloch, Chief Customer Officer at Alkami Technology. Wayne lays out a proven framework for organizations to become truly customer-obsessed. As the author of the best-selling book, “The Seven Pillars of Customer Success”, Wayne brings deep expertise on embedding customer-first approaches across an organization.

Join us as we explore how Wayne's seven pillars can guide banks, credit unions and other financial firms to deliver better client outcomes.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly, and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening, payment security, and data analytics and marketing solutions. To learn more, visit www.alkami.com.

We explore her transition from traditional bank to Team8 and delve into the unique foundry model that drives its mission of innovation and growth.

Rakefet sheds light on the strategies that enable fintech firms to navigate changing funding dynamics and balance innovation and stability. Her insights offer a perspective on the intersection of established banking wisdom and the nimbleness of startups.

Additionally, Rakefet's dedication to diversity, gender equality and empowerment takes center stage as we discuss her contributions to fostering a more inclusive fintech industry.

As we gear up for Sibos 2023, we’re joined by John Duigenan, General Manager, Financial Services and IBM Distinguished Engineer, IBM Technology on the Banking Transformed podcast.

We discuss some of the most promising AI use cases gaining traction, why an open and hybrid platform is critical, how generative AI can aid application modernization, and what financial executives need to think about when implementing this new wave of AI.

Brandon has a 30-year legacy in banking and technology, having spent time at both large and small financial institutions as well as working at Dell and Facebook.

With leadership committed to being future-ready, A+ FCU has made tremendous strides in digital innovation and user-centric design. In our conversation, we explore how financial institutions of any size can become digital banking leaders, the role of culture change, and the keys to rapid innovation iteration.

Join us in this episode of the Banking Transformed podcast as we sit down with Michael Wiley, VP and CTO of F5, to explore the multifaceted world of banking cybersecurity within the context of digital transformation.

Wiley's expertise offers practical guidance for all banking executives seeking to strike the right balance between innovation and protection. As the banking industry continues its transformative journey, the wisdom shared in this episode serves as a beacon for securing a safer and more resilient future.

This episode of Banking Transformed Solutions is sponsored by f5

F5 offers comprehensive protection that lets you implement a consistent security policy for any app and any API, anywhere. Security that adapts as attackers retool with minimal customer friction. Security that protects your whole business with the highest efficacy in the market. Security that adapts to your business, whatever your business is, as you lift, shift, modernize, and thrive.

For more information visit: https://www.f5.com/solutions/banking-and-financial-services

Looking forward, what are the unique advantages local financial institutions can bring to the table beyond ‘being friendly’? What are the challenges they face in competing with larger marketplace leaders? And what are the strategies management must adopt to ensure they remain future-ready.

I am excited to have Jim Perry, Senior Strategist at Market Insights, Inc. on the Banking Transformed podcast. We will be discussing how community banks and credit unions can best co-exist in a marketplace that includes regional and national banks, tech companies, fintech firms and even non-financial players.

A multitude of events this year have altered the industry's trajectory, influenced consumer behavior, and prompted financial institutions to reassess their business models and go-to-market strategies. The question is which events will have a lasting effect and what jobs need to be done to become more future-ready?

I am excited to have David M. Brear, CEO of 11:FS on the Banking Transformed podcast. We will be discussing how banks and credit unions have reacted to major global disruptions, and what major opportunities and threats currently exist in retail banking.

Evident has just published an extensive study on AI innovation and maturity across major banks. Their research analyzed 60 of the largest banks in North America and Europe to understand how banks are positioning themselves for an AI-driven future.

I am excited to have Alexandra Mousavizadeh, Co-founder and CEO of Evident on the Banking Transformed podcast. We will be discussing what determines a financial institution’s AI maturity, the advantage AI maturity provides and how organizations can keep pace with market leaders.

With the rise of generative AI (ChatGPT) and its increasing impact on various sectors, including banking, it's crucial to examine how these advancements are transforming the landscape, both for better and for worse.

From exploring the impact of generative AI on customer experience and engagement to discussing the ethical considerations and regulatory challenges, it is more important than ever to understand the transformative power of AI in banking.

Brian equips listeners with the knowledge and understanding needed to embrace the promise of generative AI and ChatGPT while mitigating associated risks.

From exploring the impact of generative AI on customer experience and engagement to discussing the ethical considerations and regulatory challenges, it is more important than ever to understand the transformative power of AI in banking.

My guest for part one of this important Banking Transformed podcast interview on generative AI and ChatGPT in banking is Brian Roemmele, President of Multiplex. Brian equips listeners with the knowledge and understanding needed to embrace the promise of generative AI and ChatGPT while mitigating associated risks.

Collaboration and partnerships within the fintech ecosystem and with traditional financial institutions may become even more crucial as fintech firms reassess business models and try to build greater resilience.

My guest on the Banking Transformed podcast is Jeff Tijssen, Expert Partner and Global Head of FinTech at Bain & Company. Together, we try to unravel the complexities of this rapidly evolving sector and uncover how fintech is reshaping the way we think about money, payments and financial services.

Despite these advancements, challenges remain. Regulatory constraints, data privacy concerns, and technical complexities pose hurdles in fully realizing the potential of personalized banking. As a result, many firms are building third party collaborations to drive early personalization wins.

We have Jason Davies, Vice President, Product, Solutions & Customer Delivery at Flybits on the Banking Transformed podcast. We'll explore the opportunities and challenges faced by card issuers and all retail bankers as they strive to enhance the cardmembers' journey through personalized engagement.

This episode of Banking Transformed is sponsored by Flybits

Cardholder Lifecycle experiences designed to deliver personalization. An always-on solution that elevates cardholder experiences at every lifecycle stage, personalized for every moment. Deliver a remarkable customer experience in record time, while driving business results.

Visit get.flybits.com for more information.

These changes have disrupted status-quo assumptions while presenting amazing opportunities for financial institutions willing to reinvent legacy business models.

I am excited to have Gregg R. Tewksbury, president and CEO at New Hampshire Mutual Bancorp and Lee Wetherington, senior director of corporate strategy at Jack Henry on the Banking Transformed podcast. They discuss the results of the 2023 Strategic Priorities Benchmark Study just released by Jack Henry.

But capitalizing on disruption and unleashing new growth potential requires more than just new technology. It requires strong leadership, laser focus, a willingness to collaborate with third-party solution providers and a commitment to customer centricity.

We have DeAndre Jones, EVP, Chief Client Officer & Head of Client Experience at FIS on the Banking Transformed podcast. We dive into the ways in which technology and digital solutions are revolutionizing the banking sector, ultimately creating better experiences for customers.

This Episode of Banking Transformed is sponsored by FIS

 How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

 FIS. Advancing the way the world pays banks and invests.

Jenius Bank, the new digital-only banking division of California-based Manufacturers Bank, and wholly-owned subsidiary of the 400 year-old Japan-based SMBC Group, has just announced the launch of its inaugural consumer lending product.

I am excited to have long-time banking veteran, John Rosenfeld, president of Jenius Bank on the Banking Transformed podcast. We discuss what will differentiate Jenius Bank and why John believes this new digital bank will succeed where others have failed.

So, what can the banking industry learn from this detailed ‘how-to book’? How can financial institutions of all sizes continually create great customer experiences, lower costs, and build value?

We have Eric Lamarre, Senior Partner, McKinsey & Company and one of the authors of the book, “Rewired: The McKinsey Guide to Outcompeting in the Age of Digital and AI” on the Banking Transformed podcast. He shares some of the key findings in the book and what banks must do today to become future-ready.

These challenges are heightened when a leader is a female in an industry historically dominated by males. The balancing of work with the pressures of home and raising a family can change the path to success. But, the path is not impossible if there is focus, commitment to learning, and empathy for coworkers and peers around us.

I am thrilled to have Amnah Ajmal, Mastercard’s EVP of Market Development for Eastern European, Middle Eastern and African markets on the Banking Transformed podcast. She shares her leadership journey across multiple continents and why continuous learning is the key to becoming more future-ready.

This is why 84% of executives rate employee experience (EX) as important to delivering a better customer experience (CX), according to Deloitte. Unfortunately, less than 10% of firms say they are ready to actively improve employee experiences.

I am excited to have Tiffani Bova, the global customer growth and innovation evangelist at Salesforce, and the Wall Street Journal bestselling author of the new book ‘The Experience Mindset’ on the Banking Transformed podcast. We discuss why organizations need a new operating mentality that takes into account the needs and preferences of both customers and employees with every decision made.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

One growing business model is banking as a service (BaaS) — a partnership in which banks and credit unions leverage their charters to enable non-banking institutions to offer financial services directly to their customers. According to recent studies, BaaS is expected to reach $7 trillion in value by 2030.

I am excited to have Jason Mikula, one of the foremost authorities on the banking and fintech marketplace on the Banking Transformed podcast. We discuss how banks can unlock new business opportunities and add value and why BaaS has the potential to transform financial services.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

Embedded finance offers banks and nonfinancial organizations the ability to provide a frictionless experience built within a customer’s daily life. More than ever, banks need a strategy to unlock the vast potential of embedded finance.

I am excited to have Christoffer Malmer, head of SEB Embedded and Pal Krogdahl, CTO for IBM Core Banking and Payments on the Banking Transformed podcast. We discuss how Swedish banking giant SEB reorganized its tech and innovation operations to become a leader in the embedded finance space.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM delivers technology and industry expertise to the global financial services industry through its infrastructure offering, software portfolio and consulting services. As a trusted partner to banks, insurers, asset managers and other financial institutions around the world, IBM enables modernization and digital transformation of the world’s mission-critical businesses. IBM is a leading provider of enterprise AI and hybrid cloud architecture to banks and insurers and leads a robust ecosystem of fintech partners serving financial institutions. For more information, visit https://www.ibm.com/industries/financial-services

In fact, a report by S&P Global Market Intelligence noted that several hundred banking institutions, including a handful of large ones, are paying over 4% and even as much as 5% on certificates of deposit amid a general increase in reliance on CDs and increasing thirst for deposits.

My guest on the Banking Transformed podcast is Adam Stockton, Managing Director of Retail Deposits at Curinos. We discuss the importance of building stronger connections between consumers’ deposit and credit needs and rethinking the way organizations build relationships in the future.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

How are these collaborations increasing the speed and scale of innovation, resetting business models and making traditional financial services organizations more future-ready?

I am excited to have Claire Calmejane, Chief Innovation Officer at Societe Generale and Thad Vorozilchak, Vice President, Banking and Financial Markets from IBM on the Banking Transformed podcast. We discuss how financial institutions are disrupting legacy banking with new ideas and technological advances.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM delivers technology and industry expertise to the global financial services industry through its infrastructure offering, software portfolio and consulting services. As a trusted partner to banks, insurers, asset managers and other financial institutions around the world, IBM enables modernization and digital transformation of the world’s mission-critical businesses. IBM is a leading provider of enterprise AI and hybrid cloud architecture to banks and insurers and leads a robust ecosystem of fintech partners serving financial institutions. For more information, visit https://www.ibm.com/industries/financial-services

The majority of these start-ups have a licensed sponsor bank as well as a digital banking offering specific products that consumers (or businesses) can't get elsewhere. The challenge is how to differentiate, achieve scale, fund marketing and acquisition and build loyalty beyond the debit card.

My guest on the Banking Transformed podcast is Alex Johnson, founder of Fintech Takes. We discuss the future of niche financial institutions where funding has become more difficult and scalability continues to be elusive.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

More than ever, wearable devices can create seamless payment experiences while also providing unequaled authentication around digital identity and unique branding opportunities.

My guest on the Banking Transformed podcast is David Birch, international speaker, author and advisor to the financial services industry. We discuss how wearable technology can be a major differentiator for both payments and digital authentication in the future.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

As the industry gets ready for Money 2020 in Amsterdam, it good to assess how technologies such as artificial intelligence, machine learning, the blockchain, cloud computing, IoT, robotics and biometrics are reshaping banking, enhancing customer experiences, and paving the way for new banking business models.

I am excited to have John Duigenan, General Manager, Financial Services and IBM Distinguished Engineer, IBM Technology on the Banking Transformed podcast. We will be discussing how technologies like AI will impact the future of banking, and how banks must become future ready.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM delivers technology and industry expertise to the global financial services industry through its infrastructure offering, software portfolio and consulting services. As a trusted partner to banks, insurers, asset managers and other financial institutions around the world, IBM enables modernization and digital transformation of the world’s mission-critical businesses. IBM is a leading provider of enterprise AI and hybrid cloud architecture to banks and insurers and leads a robust ecosystem of fintech partners serving financial institutions. For more information, visit https://www.ibm.com/industries/financial-services

The foundation to drive growth in today’s competitive and cultural landscape is a playbook that will help you:

• Build a brand that drives loyalty and advocacy,

• Stand out with breakthrough content and campaigns,

• Develop a better understanding of what works and what doesn’t,

• Drive more efficiency from your paid media budget,

• Foster an entrepreneurial culture in your team to move faster and stay on top of change.

We are very fortunate to be rejoined on the Banking Transformed podcast by Eric Fulwiler, co-founder and CEO of the marketing consultancy, Rival on the Banking Transformed podcast. We discuss what drives the growth of successful fintech and banking brands and where a financial marketer should start.

Download the Fintech Playbook here.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

As the industry gets ready for Money 2020 in Amsterdam, it is important to look at where the industry is today and where it will likely be in the near and more distant future.

I am excited to have Shanker Ramamurthy, Global Managing Partner Banking & Financial Markets, IBM Consulting on the Banking Transformed podcast. We discuss the massive changes occurring in financial services and what can be expected in the future.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM delivers technology and industry expertise to the global financial services industry through its infrastructure offering, software portfolio and consulting services. As a trusted partner to banks, insurers, asset managers and other financial institutions around the world, IBM enables modernization and digital transformation of the world’s mission-critical businesses. IBM is a leading provider of enterprise AI and hybrid cloud architecture to banks and insurers and leads a robust ecosystem of fintech partners serving financial institutions. For more information, visit https://www.ibm.com/industries/financial-services

The aggregation of data to generate insights is only half the battle for financial institutions, though. Banks and credit unions must go beyond using data to create great reports to supporting exceptional customer experiences and engagement – the final mile in the customer journey.

I am excited to have Ed Maslaveckas, CEO of Bud Financial on the Banking Transformed podcast. We discuss the firm's expansion into the US and how financial institutions of all sizes are leveraging data, insights, personalization, open banking and BaaS as strategic differentiators.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Beyond optimizing financial performance and streamlining operations, finance operations can now play an instrumental role in the innovation process, sustainability reporting and identifying new growth opportunities.

I am excited to have Monica Proothi, Partner and Global Finance Transformation Lead for IBM Consulting on the Banking Transformed podcast. We discuss how the finance function has evolved from reactionary, transactional work to value-generating roles and strategic engagement.

This episode of Banking Transformed Solutions is sponsored by IBM

IBM delivers technology and industry expertise to the global financial services industry through its infrastructure offering, software portfolio and consulting services. As a trusted partner to banks, insurers, asset managers and other financial institutions around the world, IBM enables modernization and digital transformation of the world’s mission-critical businesses. IBM is a leading provider of enterprise AI and hybrid cloud architecture to banks and insurers and leads a robust ecosystem of fintech partners serving financial institutions. For more information, visit https://www.ibm.com/industries/financial-services

A fully integrated digital platform streamlines processes, reducing the risk of errors, improving compliance, and increasing the ability to offer personalized products and services. For customers, a digital-first approach provides convenience, speed, and the ability to open and manage accounts from anywhere, at any time.

We are very fortunate to have Cindy Blackstone, Chief Retail Officer for Southside Bank on the Banking Transformed podcast. She will discuss how a digital-first platform has resulted in a superior customer experience, reduced costs, and driven growth in a highly competitive marketplace.

This episode of Banking Transformed Solutions is sponsored by NCR Terafina

NCR Terafina provides digital onboarding and omnichannel sales solutions that are simple and secure to banks and credit unions. Terafina’s omnichannel sales platform is a multichannel product suite with the broadest spectrum of products, including consumer deposits and lending, real estate, small business deposits and lending, commercial deposits, and cryptocurrency account opening—across digital, branch, and call center channels.

https://terafina.com/

Combining historical account ownership history with real-time transaction data can provide a great predictor of what account holders are going to do next. The key is to keep account holder data safe, while providing a value-add with each engagement.

We have Deep Varma, Chief Technology Officer from Alkami on the Banking Transformed podcast. Deep shares how modern technology can enable a next-generation sales and service platform that increases revenue and lowers costs for financial institutions.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening and digital loan origination, payment fraud prevention, and data analytics and engagement solutions. To learn more, visit www.alkami.com.

Open and honest communication is only the start as the bank crisis continues to unfold. Financial institutions must provide resources and answers in real-time that help customers and employees ease their stress and help your brand become a trustworthy advisor during a time of need.

This can ensure customer loyalty — and potentially even attract new customers.

My guest on the Banking Transformed podcast is Steven Ramirez, CEO of Beyond the Arc. He shares what financial institutions should say and share, and how they should communicate during these tumultuous times.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

At a time when banks and credit unions are looking to break through the marketing message clutter, The Data & Marketing Association revealed direct mail may be the most effective marketing channel to drive engagement and ROI.

We are fortunate to have Dave Fink, CEO & Co-founder at Postie on the Banking Transformed podcast. Dave shares how direct mail can turbocharge your marketing campaigns, how to leverage modern technology for traditional channels, and why multichannel campaigns perform the best.

The good news is that these generations are more open to meet with their financial planners via digital channels. Many Millennials prefer not to meet in person or over the phone. Rather, they prefer communicating through text messages, videos or audio messages. The challenge is that they also want a highly personalized financial plan based on their goals.

My guest on the Banking Transformed podcast is Jessica Chen Riolfi, Co-Founder and CEO at Uprise. She shares how Uprise has leveraged data, AI algorithms, and human expertise to provide the potential for optimal financial outcomes.

The good news is that most organizations understand the gap that exists between expectations and delivery and are investing more to increase engagement.

We have David Porter, Managing Director of Financial Services at Genesys on the Banking Transformed podcast. David discusses how innovative organizations are redefining what's possible using digital technologies and artificial intelligence (AI).

According to Forrester, firms pursuing technology-driven innovation grow three to four times faster than industry averages. Just as importantly, new technologies can reduce the cost of doing business, improve customer and employee experiences, and provide a long-term competitive advantage.

I am excited to have Maureen Doyle-Spare, general manager at the digital transformation consulting firm UST on the Banking Transformed podcast. We will be discussing how the pursuit of technology investments regardless of the economy will ensure financial institutions will be future-ready.

The right strategy is to shift to a hybrid environment that leverages the key resources already in place, but combining those resources with one or more solution providers, to create a robust network that is future-ready.

We are very fortunate to have Roji Oommen, Managing Director, Financial Services at Lumen Technologies on the Banking Transformed podcast. He discusses how a platform mindset enables a best-execution strategy for delivering financial services now and into the future.



This episode of Banking Transformed Solutions is sponsored by Lumen

Lumen’s mission is to deliver amazing customer experiences with networking, cloud and security solutions that power next-gen business applications. We aim to democratize complex and cutting-edge technologies and deliver simple solutions, so our customers can focus on innovation, not their IT. Learn more about Lumen’s capabilities for financial services at www.lumen.com/financial-services.

Lumen and Lumen Technologies are registered trademarks in the United States.

To become future-ready, financial institutions need to support customer journeys from the inside-out, enabling the connection with external brands, and delivering contextual solutions in real-time supported by data and analytics.

We have David Feuer, Chief Product Officer at Galileo on the Banking Transformed show. David shares why building an end-to-end digital platform solution is the key to digital banking transformation success.

This episode of Banking Transformed is sponsored by Galileo

Galileo is creating the only end-to-end vertically integrated banking technology stack, from user interface development capabilities to a customizable multi-product banking core and ledger with fully integrated processing and card issuing. The Cyberbank platform isa best-in-class financial technology platform that reinvents how people connect with their money through exceptional digital-first experiences.

For more information visit www.galileo-ft.com

So, how can a financial institution find the best provider that aligns with their unique needs, growth ambitions, and internal culture in an ever-changing digital landscape? More importantly, how can a financial institution understand how well third-party providers will implement solutions at speed and scale?

We have Patrick Sells, co-founder of True Digital Group on the Banking Transformed podcast. Patrick discusses a new platform where financial institutions can easily understand all marketplace offerings and connect with peers and providers for a better innovation experience.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Today, banks and credit unions are ditching siloed, departmental frameworks and, instead, are connecting people + processes + technology across the organization with a collaborative approach that puts insights into action … for the customer’s benefit.

I am excited to have Darryl Knopp, Senior Director of portfolio marketing at FICO on the Banking Transformed podcast. Darryl discusses the current state of personalization in banking and how organizations can use applied intelligence systems to improve experiences, engagement and loyalty.

This episode of Banking Transformed Solutions is sponsored by FICO

FICO powers decisions that help people and businesses around the world prosper. Founded in 1956, the global analytics software firm is a pioneer in the use of predictive analytics and data science to improve operational decisions.

For more information visit fico.com

After a major funding round last year, Varo made a number of major changes to respond to competitive and marketplace challenges, including a reduction in marketing expenses and staff, a refocus on product innovation, and a focus on existing customer engagement.

We revisit Colin Walsh, founder and CEO of Varo on the Banking Transformed podcast. In this episode, Walsh discusses the opportunities and challenges Varo has faced, and provides insight into the future of Varo and neobanks in a world disrupted by the recent events at Silicon Valley Bank.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Research by the Digital Banking Report finds that digital transformation is the most difficult at organizations with assets from $50B - $500B. This is often due to legacy leadership that finds change to be more difficult than anticipated and a financial commitment that is tough to commit to.

We have Melissa Stevens, EVP and Chief Marketing Officer at Fifth Third Bank on the Banking Transformed podcast. Melissa shares the digital transformation journey at Fifth Third and the lessons learned along the way.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Leading banks recognize they need to accelerate change — not only to compete but to find new paths to growth.

I am excited to have Michael Abbott, senior managing director and global banking lead for Accenture back on the Banking Transformed podcast. We will be discussing how banks and credit unions are disrupting existing paradigms and rethinking their paths going forward.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

In response to economic uncertainty, consumers want choice and variety when making purchases and transacting. In fact, most consumers said they are using a greater variety of payment methods than they did a few years ago, including digital payment options.

We have Tom Pierce, CMO of PSCU on the Banking Transformed podcast. He shares the results of the most recent Eye on Payments study done by PSCU and provides insights into how financial institutions can better serve members and customers.

This episode of Banking Transformed Solutions is sponsored by PSCU

Through this annual research, discover how PSCU explores the factors that influence consumers when it comes to their choice and usage of different payment methods, how these factors may vary among different life stages and economic events, and how credit unions can better serve their members and optimize their offerings to adapt to these evolving preferences and needs – both now and in the future.

 Visit www.pscu.com/eye-on-payments for more information.

Be it text, video, audio, secure chat, or social messaging, consumers want their financial institution to stay connected with them at every point of their financial journey. The challenge for financial institutions is how to implement a digital communication strategy that is secure and compliant.

We have Ashish Garg, Co-Founder and CEO of Eltropy on the Banking Transformed show today. Ashish discusses the many ways that financial institutions have used digital messaging to improve engagement and revenue opportunities.

This episode of Banking Transformed Solutions is sponsored by Eltropy

Eltropy is the leading digital conversations platform for community financial institutions (CFIs). Its AI-driven communications tools empower CFIs to communicate, automate, improve operations and engagement, and increase productivity across the institution. Using Eltropy’s platform, CFIs can connect with their consumers anytime, anywhere via Text, Video, Secure Chat, co-browsing, screen sharing, and chatbot technology.

Visit www.eltropy.com for more information.

How can banks and credit unions navigate the intentional evolution of financial services while continuing the existing execution of engagement with customers? In other words, creating new business models from within what already exists.

I am excited to have Brant Cooper, author of the book, ‘Disruption Proof’ on the Banking Transformed podcast. He will discuss the 5 elements required for organizations to be able to deal with accelerated change today and in the future.

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

To deliver a market-leading value proposition, banks will need to work like a tech company, with leadership embracing change and acting promptly to take advantage of market opportunities that provide differentiation.

We are very fortunate to have Doug Brown, President of NCR Digital Banking and Doug Peacock, SVP of Digital Delivery at Associated Bank on the Banking Transformed podcast. They discuss what is required to digitally transform a mid-asset bank and how to prioritize during times of economic uncertainty.

This episode of Banking Transformed Solutions is sponsored by NCR

NCR, a global technology leader, is the largest non-core digital banking provider. We help financial institutions gain efficiencies and provide personalized, seamless experiences for consumers and businesses—all on a single platform. Our digital-first banking solutions are trusted by over 600 banks and credit union. With our portfolio of industry-leading solutions, open architecture, and on-demand tools, financial institutions gain the power to differentiate and tailor their offerings.

Visit www.ncr.com/banking for more information.

Unfortunately, not all legacy bankers have kept pace with the changes in the marketplace … either by choice or because their organization has failed to keep up. Without a challenger mindset and a willingness to accept change, take risks and disrupt status quo, bankers like us will be left behind.

I am so excited to have Leda Glyptis PhD, chief client officer at 10x Banking back on the Banking Transformed podcast. She will discuss her amazing new book entitled, Bankers Like Us, which chronicles her journey, observations and recommendations for an industry being disrupted.

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

To continue to grow credit card relationships, banks and credit unions must reimagine their products to meet consumer needs, using deeper data insights to to reach specific segments, drive engagement, and rethink card economics.

We have Josh Turnbull and Craig LaChapelle from TransUnion on the Banking Transformed podcast. They share the current state of the credit card marketplace and how financial institutions can better prepare for the credit customer of the future.

This episode of Banking Transformed Solutions is sponsored by TransUnion

As part of a global information and insights company, the TransUnion Card and Banking business supports over 5,000 financial institutions in the US — from the largest card issuers and retail banks to community-based institutions and technology-driven card issuers — providing actionable data and insights to help them better compete and succeed in an ever-changing environment.

For more information visit https://www.transunion.com/extracreditpod

The question is, how can conversational AI impact banking as we know it, from an operational and customer experience perspective? What is the scope of this change and what are the challenges?

I am excited to have Charles Morris, Chief Data Scientist for Financial Services at Microsoft on the Banking Transformed podcast. We will be discussing how banks and credit unions can leverage the power of ChatGPT and conversational AI in the future.

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

More than ever, banks and credit unions are wondering how they can better shape consumer demand and drive engagement and loyalty as consumers are increasingly diversifying their financial relationships.

We are very fortunate to have PwC Partners Greta Lovenheim & Brian Morris on the Banking Transformed podcast. Greta and Brian discuss the results of the PwC Customer Loyalty Survey and share how banks can strengthen relationships, increase customer lifetime value, and reduce the likelihood of attrition.

Follow us on YouTube to view the video versions of these interviews: youtube.com/c/BankingTransformedPodcast.

This episode of Banking Transformed Solutions is sponsored by PwC

Customer Link unifies your data with PwC’s third party data to build a 360 degree view of your customers. Create better, more personalized experiences with unmatched customer data you can’t get from just any platform. With a real-time view of your data and call-to-action triggers, you can quickly act on what you learn and feel more confident in the decisions you make.

For more information visit https://www.pwc.com/us/en/prod...

More than ever, banks and credit unions must find ways to meet customer’s individual needs at speed and scale. Continuous digital transformation is required across entire organizations.

I am excited to have my friend, Ron Shevlin, Chief Research Officer at Cornerstone Advisors and Senior Contributor to Forbes on the Banking Transformed podcast. We will be discussing how banks and credit unions must respond to the major opportunities and threats facing financial institutions today.

Follow us on YouTube to view the video versions of these interviews: youtube.com/c/BankingTransformedPodcast.

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Building improved customer experiences and greater engagement involves more than just the customer service area and IT. It must involve the entire organization including the back-end of the business process. The entire company must provide seamless digital customer experiences.

We are very fortunate to have Stephen Bohanon, the founder of Alkami Technology on the Banking Transformed Podcast. Stephen discusses how organizations of all sizes need to leverage modern technology and customer insights to stand out in an increasingly competitive marketplace.

This Episode of Banking Transformed is Sponsored by Alkami

Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quickly and build thriving digital communities. Alkami helps clients transform through retail and business banking, digital account opening and digital loan origination, payment fraud prevention, and data analytics and engagement solutions. To learn more, visit www.alkami.com.

Unfortunately, there is no magic bullet or secret formula that can guarantee innovation success. But there are ways to make the odds of success greater. And it is not just new technology or a higher level of investment.

I am excited to have Steve Monaghan on the Banking Transformed podcast. Steve's experience includes leading the innovation teams at several bank and non-bank organizations, including DBS Bank and Dell. In this episode, Steve discusses why banking innovation lags many other industries and what can be done to change this paradigm.

Follow us on YouTube to view the video versions of these interviews: youtube.com/c/BankingTransformedPodcast.

This Episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

But simply putting a name on an email or targeting a sales message based on recent purchases is no longer enough. Financial institutions, and customers, want to engage in a way that exhibits empathy, is timely and contextual, and most of all, creates a value exchange.

We are very fortunate to have John Thomas of Relay Network back on the Banking Transformed podcast. John discusses why companies that excel at creating customer engagement generate faster rates of revenue growth than their peers.

Follow us on YouTube to view the video versions of these interviews: youtube.com/c/BankingTransformedPodcast. 

This episode of Banking Transformed Solutions is sponsored by Relay Network

Relay Network is the innovator of SaaS feed technology, with over 10 years of experience helping companies more meaningfully engage with the people they serve. Using Relay Feeds, banks and credit unions are deepening their relationships with their customers. Relay’s goal is to help businesses maximize the value of the relationships they’ve cultivated. ​

For more information visit https://www.relaynetwork.com/onboarding-fs/

Driven by the increase of consumers with access to more technology, the pace of change is increasing, with innovation at the forefront and existing business models being challenged.

I am excited to have my friend, Ali Paterson, editor-in-chief and publisher of Fintech Finance Magazine on the Banking Transformed podcast. He will discuss the top financial sector trends for 2023 and share ways organizations must become future-ready.

This Episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Delivering a future-ready digital banking experience requires data, analytics, modern technology, and a leadership and cultural paradigm shift that enables the reimagining of legacy business models.

We are very fortunate to have Courtney Rowan, VP of Digital Experience at Citadel Credit Union on the Banking Transformed podcast. Courtney discusses how Citadel did not slow the digital banking transformation process post-pandemic, but partnered with solution providers to rethink the delivery of financial services.



This episode of Banking Transformed is sponsored by NCR Terafina

NCR Terafina provides digital onboarding and omnichannel sales solutions that are simple and secure to banks and credit unions. Terafina’s omnichannel sales platform is a multichannel product suite with the broadest spectrum of products, including consumer deposits and lending, real estate, small business deposits and lending, commercial deposits, and cryptocurrency account opening—across digital, branch, and call center channels.

https://terafina.com/

But the full potential of APIs and open banking have yet to be realized. Will 2023 be the watershed year for open finance in the U.S. and globally, or will regulation slow the innovation process?

We have Ritesh Jain, Fintech founder and advisor and previous CTO of HSBC on the Banking Transformed podcast. Ritesh shares his perspective on the growth of APIs and open banking he expects in 2023 and where opportunities still exist.

This Episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

This Episode of Banking Transformed is sponsored by mParticle.

mParticle believes that better decisions start with better data. Cleanse, visualize, and connect your customer data from any source or system to any API. Better data, better decisions, better outcomes. Visit mparticle.com for more.

The questions become where should investments be made and how can a mid-sized bank ‘punch above their weight’ competing with larger banks, fintech firms and big tech competition?

We have Laura Merling, Chief Transformation and Operations Officer at Arvest Bank on the Banking Transformed podcast. Laura shares the steps that are needed for banks of all sizes to remain relevant in a digital banking ecosystem.

This Episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

With increased competition from fintech and big tech firms, what are the most important workplace technologies that will transform banking services and making banks and credit unions more future-ready?

I am excited to have Leo Brito, EVP Workforce Experience and Productivity Solutions at Wells Fargo on the Banking Transformed podcast. Leo shares why financial institutions must prioritize workplace technology investments in 2023.

This Episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

How do you find your feet on ground that’s constantly shifting?

You have to read The Global Innovation Report from our partners at FIS. From embedded finance and ESG to crypto, decentralized finance and the metaverse, FIS pinpoints the trends you need to watch – and explains how innovation can give you an advantage, in good times and bad.

Discover how the latest innovations could affect your business. Explore the research today by visiting www.fisglobal.com/global-innovation-report

FIS. Advancing the way the world pays banks and invests.

Being named one of the most powerful women in banking several times, Amy Brady, the CIO of KeyBank, has leveraged her extensive career to build innovative solutions and end-to-end digital experiences at a time of massive change, increasing competition and unique challenges.

We are very fortunate to have Amy Brady of KeyBank on the Banking Transformed podcast. Amy discusses how she manages more than 5,000 individuals cohesively, competing against much larger financial institutions and more nimble tech organizations.

Combining market leading innovation with digital banking transformation, U.S. Bank is working hard to build solutions that can quickly adjust to consumer’s evolving needs in real time. But building a digital banking platform that combines speed and scale is not easy.

My guest on the Banking Transformed podcast is Dom Venturo, Senior EVP and the Chief Digital Officer of U.S. Bancorp. Dom discusses how US Bank is building a digital bank of the future and the trends and priorities he sees in the marketplace.

The objective is to enhance the organization's brand, creating better banking experiences that strengthen people and communities.

My guest on the Banking Transformed podcast is Gina Bleedorn, Chief Experience Officer at Adrenaline. Gina shares the keys to future-ready branch distribution models that include new formats and functions driven by data and analytics.

What is needed to attract, engage, and expand relationships? How can banks and credit unions rethink their current operating model from the inside-out to become future-ready?

My guest on the Banking Transformed podcast is Jeffery Kendall, CEO/Founder at Nymbus. Jeffery discusses strategies financial institutions should consider as we enter a new age of digital banking.

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

Countries must embrace the opportunities that fintech firms provide and the potential for collaboration between fintechs and traditional banks. That said, there is still a need for new policies that encourage safe financial innovation and adoption.

My guest on the Banking Transformed podcast is Jeremy Quainoo, Country Operations Director at JUMO. Jeremy discusses the opportunities and challenges facing fintech firms globally and how marketplaces must evolve in the future.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

Consistency of message and a commitment to incremental product improvements have proven to be a formula for success.

My guest on the Banking Transformed podcast is Andrea Brimmer, Chief Marketing and PR Officer at Ally Bank. Andrea shares how Ally is driven to become a primary partner when consumers look for help during difficult economic times and beyond.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

More than ever, we need a new way of looking at fraud prevention, one which deeply inspects user behavior before, during, and after the time of purchase, helping move money fast and without risk, improving the overall customer experience.

I am excited to have Simon Taylor and Soups Ranjan from Sardine on the Banking Transformed Podcast. We discuss why security and risk-management leaders need to focus on ROI, false positive rates, and customer experience to protect the entire payments process.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

The bottom line is investment in payments technology is needed more than ever to enable players to be more agile and future-ready, delivering faster speed and scale of innovation and greater revenue.

Our guest on the Banking Transformed podcast is Dan Hanks, VP - head of product development for lending at i2c Inc. He discusses the evolving opportunities and challenges available in today’s payments ecosystem.

This episode of Banking Transformed Solutions is sponsored by i2c

i2c is a global provider of highly-configurable payment and banking solutions. Using i2c's proprietary "building block" technology, clients can easily create and manage a comprehensive set of solutions for credit, debit, prepaid, lending and more, quickly and cost-effectively. i2c delivers unparalleled flexibility, agility, security and reliability from a single global SaaS platform. Founded in 2001, and headquartered in Silicon Valley, i2c's next-generation technology supports millions of users in more than 200 countries/territories and across all time zones.

For more information, visit www.i2cinc.com and follow us at @i2cinc.

This is an important time for the CBA, as economic uncertainty, new legislative initiatives, the introduction of modern technologies, and a redefined structure of the financial services ecosystem are emerging. The challenges and opportunities are enormous.

We are fortunate to have Lindsey Johnson, president and CEO of the Consumer Bankers Association (CBA) on the Banking Transformed podcast. In this episode, Johnson provides her perspectives for the future of retail banking and the CBA during a period of tremendous change.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

It’s time to understand what each customer wants and needs … providing contextual service instantly. It’s also time to democratize data to enhance experiences for both customers and employees.

I am excited to have Devin Poole, Sr. Product Marketing Manager from Coveo on the Banking Transformed podcast. Devin shares how banks and credit unions Increase NPS while reducing costs … finding opportunities to increase revenue and grow customer loyalty.

This episode of Banking Transformed Solutions is sponsored by Coveo

As a leader in applied AI, Coveo Relevance Cloud™ help financial institutions accelerate their digital transformations while prioritizing customer satisfaction. With the power of AI-based personalization, banks and insurers can deliver the most relevant information, advice, offers, and products — tailored to each client.

For more information visit get.coveo.com/bankingtransformed

Financial institutions are at risk if this transformation is not understood. With democratized finance, anyone can personalize every aspect of finance, including currencies and products created.

I am excited to have Emmanuel Daniel, global thought leader, financial industry expert, and author of the book, The Great Transition: The Personalization of Finance is Here,” on the Banking Transformed podcast. Emmanuel shares how financial institutions will need to disrupt current business models to become future-ready.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

Discover Worldpay for Platforms, a payments platform that puts you in control and puts your software customers first. This all-in-one payment facilitation platform offers more than just embedded payments. With Worldpay for Platforms, take advantage of a full set of solutions including professional, managed, and advisory services to enhance your business. Make your software even better with a solution that easily integrates and adapts to your needs, helping you create experiences beyond payments.

Visit FISglobal.com/WorldpayPlatforms to learn more.

In addition, banks can leverage an understanding of consumer behaviors to detect deposit-pricing sensitivities and tailor promotional offers to reach consumers most at risk of attrition and those who may move relationships to your organization.

We have Ryan Walker, Executive Strategist for Kasasa on the Banking Transformed podcast. Ryan shares how banks and credit unions target promotional deposit and loan offers to grow relationships without sacrificing profitability and margins.

This episode of Banking Transformed Solutions is sponsored by Kasasa

As the Fed continues to raise rates, an account with a compelling rate may have many consumers rethinking where their loyalty lies. In this podcast, you’ll learn how community financial institutions have a unique opportunity to use the instability to establish new banking relationships now that ultimately lead to primary financial institution relationships — generating more non-interest income, and higher loan volumes.

For more information visit https://www.kasasa.com/RisingRates

10x Banking, the UK-based cloud-native banking technology business, created the platform that powered Chase’s entry into the UK retail banking market. The platform provided a scalable architecture that will allow Chase to expand its retail banking proposition in the UK and beyond.

To discuss why a scalable core banking platform built on micro-services and APIs is the key to building a digital bank, we have Antony Jenkins, CEO and founder of 10x Banking on the Banking Transformed podcast.

Unfortunately, most people with an active credit card account aren't able to pay their bills in full. At the same time, the average APR for all current credit card accounts jumped in the second quarter of 2022. How can consumers get control of their credit card debt?

My guests on the Banking Transformed podcast are Frida Leibowitz and Rachel Lauren, cofounders of the habit-shifting rewards platform for debt payoff, Debbie. They share how Debbie challenges the status quo of how financial institutions can use incentives to drive higher engagement that leads to better financial outcomes.

The last mile is where the focus moves from great reports to exceptional results. At this stage, the insights generated become part of improving internal processes and personalization that help decision making and improve customer experiences.

We have Greg Spencer, Senior Sales Engineer at Segmint, an Alkami Company, on the Banking Transformed podcast. Greg shares how banks and credit unions must focus on ‘finishing strong’ as they leverage insights for improved results.

This episode of Banking Transformed is sponsored by Segmint

Segmint empowers financial institutions and financial technology providers to easily understand and leverage data, interact with customers, and measure results. Derived from billions of transactions, Segmint provides the fastest and most accurate customer insights through advanced data tagging, categorization, and contextualization. Our insights enable all functions of an organization to inform strategies including competitive analysis, risk, marketing, customer experience, and product innovation.

Visit HERE to learn more about Segmint.

Despite tremendous growth, a valuation of $1.3 billion in 2021, and a customer base of more than 700,000 customers, limited market potential and increased competition impacted the potential for long-term sustainable growth. This prompted Betterment to expand services offered and markets served.

My guest on the Banking Transformed podcast is Michael Reust, president of Betterment. Mike shares how Betterment is using a challenger mindset to future-proof earnings and growth.

Financial Institutions that aren’t prepared to adapt to this new paradigm are at greater risk of losing both market share and the growth that these new channel engagement opportunities provide.

I am excited to have Katherine Regnier, CEO of Coconut Software on the Banking Transformed podcast. Katherine shares how banks and credit unions can bridge the gap between digital and physical client experiences to create a seamless experience customers crave.

This episode of Banking Transformed is sponsored by Coconut Software:

Make navigating your digital and in-person channels a smoother process for customers, members, and staff. Coconut’s appointments, queuing, and video banking platform makes connecting with your institution a breeze. With Coconut’s self-serve tools, customers and members choose when and where they engage your team.

Explore why 150+ financial institutions choose Coconut to transform their customers’ and members’ experience at coconutsoftware.com.

Embedded financial services within the user journey makes the experience seamless for the user and unlocks revenue streams and analytics for businesses. The question becomes, what is the role of traditional banks in this new business model?

My guest on the Banking Transformed podcast is Anthony Burton, SVP of connected banking, open finance, and embedded banking at Truist. Anthony shares how Truist is embracing this opportunity and how this will impact current and future customers.

This Episode of Banking Transformed is sponsored by FIS

When customers need to pay, borrow, or invest, are you there? FIS believes the future of financial services delivery is giving customers what they want, whenever and wherever they are. SMB Embedded Finance enables Financial Institutions and Technology Companies to deliver critical financial services to small businesses at their point of need.

Visit FISglobal.com to learn more.

Companies that create greater synergies between service and back-office are more successful at transforming their back-office into a strategic differentiator supporting their CX objectives. The question is, where do you start?

I am excited to have Nicole Nevulis, Global Senior Director at Verint on the Banking Transformed podcast today. Nicole shares how banks and credit unions can transform the back-office to become a competitive differentiator for long-term customer service success.

This episode of Banking Transformed is sponsored by Verint

Verint® helps the world’s most iconic brands build enduring customer relationships by connecting work, data and experiences across the enterprise. We help financial institutions eliminate inefficiencies created by organizational and data silos and consistently deliver differentiated experiences at scale across every interaction. With Verint, brands can create One Workforce to best leverage their resources to deliver exceptional customer engagement.

For more information visit https://www.verint.com/back-office-workforce-management/?redirect-rule=

MX powers 85% of digital banking providers, as well as thousands of banks, credit unions, and fintech firms, with a combined reach of over 200 million consumers.

Recorded at the MX Money Experience Summit, my guest on the Banking Transformed podcast is Jim Magats, the CEO of MX. Jim shares how he and his team see MX moving forward, and the importance of data and insights as the foundation of the entire banking ecosystem.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

More than ever, consumers are willing to take their business to other financial institutions to find innovative products and services, with more consumers than ever willing to diversify their financial services partners to get what they want.

We are very fortunate to have Kris Kovacs, president and CEO of Constellation Digital Partners on the Banking Transformed show. He discusses how financial institutions that deliver the innovations that best satisfy demand will reduce the likelihood that business will go to another FI or a FinTech.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

 When customers need to pay, borrow, or invest, are you there? FIS believes the future of financial services delivery is giving customers what they want, whenever and wherever they are. SMB Embedded Finance enables Financial Institutions and Technology Companies to deliver critical financial services to small businesses at their point of need.

 Visit FISglobal.com to learn more.

To address these expectations, the Federal Reserve Banks are developing FedNow to enable financial institutions of every size to provide safe and efficient instant payment services in real time, around the clock, every day of the year.

We have Nick Stanescu, FedNow Business Executive, Federal Reserve Financial Services, on the Banking Transformed podcast. Nick provides an update on the future introduction of the FedNow Service and discusses the benefits of the service in the future.

This episode of Banking Transformed is sponsored by FedNow

The FedNow Service is a new instant payment infrastructure that the Federal Reserve Banks are launching in mid-2023 to enable financial institutions of every size across the U.S. to provide safe and efficient instant payment services in real time, 24x7x365.

 For more information visit https://explore.fednow.org/

In August, a collaboration between BMO Harris Bank and 1871, a #1-ranked private business incubator, provided women entrepreneurs the opportunity to bring their innovative technologies and products forward.

My guests on the Banking Transformed podcast are BMO Harris’ Niamh Kristufek, US head of business banking and Andrew Harrison, Head of US Digital Partnerships. They share the results of this year’s incubator program and the importance of greater inclusion in the fintech space.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

When customers need to pay, borrow, or invest, are you there? FIS believes the future of financial services delivery is giving customers what they want, whenever and wherever they are. SMB Embedded Finance enables Financial Institutions and Technology Companies to deliver critical financial services to small businesses at their point of need.

 Visit FISglobal.com to learn more.

By investing in emerging digital technologies, banks can address evolving customer preferences, mitigate risk, and achieve regulatory compliance.

My guest on the Banking Transformed podcast is Nick Botha, Business Development Manager at AutoRek. He discusses the importance of an end-to-end platform designed reduce costs, improve efficiency, and streamline your reporting processes.

This episode of Banking Transformed is sponsored by AutoRek

AutoRek is a trusted vendor of data management solutions by the world’s largest financial institutions with extensive experience across banking and payments. The end-to-end payments reconciliation platform is designed to overcome the most difficult challenges for managing reconciliations, data management and reporting. AutoRek combines cutting edge technology, first class implementation and subject matter expertise to deliver custom solutions that save our clients both time and money.

For more information visit autorek.com

https://www.autorek.com/en-us/solutions/reconciliations/

Those who can absorb and convert the vast amount of available information into insights, action, and a view of the future will generate success and results beyond their peers.

My guest on the Banking Transformed podcast is Ross Dawson, chairman of the Advanced Human Technologies group of companies. He discusses how leaders can not only cope with today’s information overload … but thrive on it.

This episode of Banking Transformed is sponsored by Microsoft:

See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working.

More at Microsoft.com/financialservices

This Episode of Banking Transformed is sponsored by FIS

When customers need to pay, borrow, or invest, are you there? FIS believes the future of financial services delivery is giving customers what they want, whenever and wherever they are. SMB Embedded Finance enables Financial Institutions and Technology Companies to deliver critical financial services to small businesses at their point of need.

Visit FISglobal.com to learn more.

Unfortunately, traditional Know Your Customer (KYC) and Know Your Business (KYB) verifications is often synonymous with tedious and manual processes, friction, and onboarding delays. The longer these processes take, the greater the negative impact to client acquisition.

My guest on the Banking Transformed podcast is Chris Luttrell, the CEO of IDology. She discusses what can be done to foster trust across the entire customer journey, while improving the customer experience for consumers and businesses.

This episode of Banking Transformed Solutions is sponsored by IDology

ExpectID® Business is an automated KYB solution that is imperative for any business that wants to remain competitive. With ExpectID® Business, IDology has combined KYB and KYC due diligence with multiple layers of risk detection and fraud intelligence into one powerful, programmatic solution. The solution goes beyond KYB and KYC verification to provide a holistic perspective of the risk associated with both the business and the primary user.

For more information visit https://www.idology.com/business-verification/

While more than 80% of financial services AI adopters say that AI will be very or critically important to their business’s success in the next two years, it’s time for banks to move beyond the hype and consider practical applications of AI across the entire organization.

On today’s Banking Transformed podcast, we have Imtiaz Adam, global AI influencer and founder of Deep Learn Strategies Ltd. He will share why financial institutions must make adoption of AI technologies across the entire enterprise a strategic imperative.

At a time when both print and digital marketing involve as much art as science, behavioral science is a critical tool for understanding how consumers will react to various tactics and strategies.

My guest on the Banking Transformed podcast is Nancy Harhut, cofounder of HBT Marketing. Nancy shares why marketers cannot afford to ignore behavioral science since it can shed light on why people buy or don’t buy your brand.

Continuous Product Design, supported by real-time data, can help organizations deliver digital solutions that are personalized, empathetic, and delivered with speed and scale.

My guest on the Banking Transformed podcast is Mario Ciabarra, founder and CEO of Quantum Metric. Mario discusses how banks can use data to drive digital product design and deployment that enhances customer experiences and increases engagement.

This episode of Banking Transformed is sponsored by Quantum Metric

As the pioneer in Continuous Product Design, Quantum Metric helps organizations put customers at the heart of everything they do. The platform empowers a customer-centric culture, helping business and technology teams align faster on customer needs and prioritize the opportunities that will drive the most value. Today, Quantum Metric captures insights from 29 percent of the world’s internet users.

For more information visit www.quantummetric.com

While conversations about the importance of a disruptive mindset started well before the pandemic, the crisis accelerated the need for strong leadership significantly. The question becomes how ready is existing leadership to lead an organization to success during uncertain times?

My guest on the Banking Transformed podcast is Charlene Li – Chief Research Officer, PA Consulting. Charlene shares how leadership can better embrace change, accept risks, and help organizations become future-ready.

New mortgage-as-a-service (MaaS) solutions allow smaller financial institutions to utilize best-in-class technology, while still retaining personalized engagement. This enables local banks to compete with larger financial institutions for the most important household relationship.

My guests on the Banking Transformed podcast are Jonathan Price, EVP of Q2 and Sam Schey, EVP of Rocket Mortgage. They are going to explain how a bank can combine an industry-best digital mortgage process with a bank’s existing mobile and online banking platform.

This episode of Banking Transformed is sponsored by Q2

Today, digital banking is more than a channel—it’s how financial institutions deliver their brand, manage customer relationships, and grow their business. Q2 helps FIs wherever they are on their digital transformation journey, with a portfolio of consumer and commercial solutions that help customers save, spend, borrow, and engage.

More at Q2.com

Despite the size of this segment, small businesses have unique challenges such as funding, payment processing, money transfer and more. In addition, most traditional small business bank processes are antiquated and time-consuming.

My guest on the Banking Transformed podcast is Corey LeBlanc, co-founder of Locality Bank, a digital-first community bank based in Fort Lauderdale. Corey shares the mission of this start-up and how Locality is using financial technology to make processes more efficient, saving money and better serving their customers.

The expansion of embedded finance solutions on the B2C side have skyrocketed, while B2B solutions have seen much more tepid growth. Innovation of both forms of solutions is expected to continue to be robust in the foreseeable future.

We are very fortunate to have Mike Kresse and Taira Hall from FIS Global on the Banking Transformed podcast. They discuss the current embedded banking and Banking as a Service can provide both opportunities and threat in the future.

This Episode of Banking Transformed is sponsored by FIS

When customers need to pay, borrow, or invest, are you at the point of need? The future of financial services delivery is giving customers what they want, whenever and wherever they are. FIS Embedded Finance gives any company or financial institution the tools to build finance solutions based on customer needs.

Discover how embedded finance technologies could affect your business. Visit here: www.fisglobal.com/en-gb/market-movers/embedded-finance

Most importantly, it is understanding that the digital banking transformation process is a never-ending journey … with no end point.

My guest on the Banking Transformed podcast is Liz Wolverton, Head of Consumer Banking and Brand Experience at Synovus. Liz shares how building the muscles for continuous change at Synovus allows the bank to adapt to future change more rapidly, which makes the bank more resilient.

This Episode of Banking Transformed is sponsored by FIS

From super apps and crypto to embedded finance and financial inclusion, we’re a long way away from the world of cash and checks. That’s why FIS has published The Global Payments Report.

The Global Payments Report makes it easy to understand what your consumers want now – and in the future. Read about the trends transforming payments and what they mean for your business. FIS also gives you an in-depth view of how consumers pay when shopping online and at the point of sale in more than 40 markets, along with the latest insights into real-time payments trends, digital wallets, and even Crypto.

Discover how the latest payments technologies could affect your business. Get your report today by visiting fisglobal.com/gpr.

FIS. Advancing the way the world pays banks and invests.

Fortunately, banks and credit unions have access to solutions that can drive insight discovery, outcome predictions, and task automation. The challenge is to implement these capabilities at the speed and scale that customers expect.

My guests on the Banking Transformed podcast are Greg Gruning from Segmint and Brian Lindenmann from Busey Bank. Greg and Brian discuss how banks are using data and AI to drive digital transformation and grow revenue by optimizing the customer journey across channels.

This episode of Banking Transformed is sponsored by Segmint

Segmint empowers financial institutions and financial technology providers to easily understand and leverage data, interact with customers, and measure results. Derived from billions of transactions, Segmint provides the fastest and most accurate customer insights through advanced data tagging, categorization, and contextualization. Our insights enable all functions of an organization to inform strategies including competitive analysis, risk, marketing, customer experience, and product innovation.

Visit HERE to learn more about Segmint.

With the right branding, you have the chance to impact how consumers perceive your business and how your employees represent your business. This creates loyalty by building trust.

My guests on the Banking Transformed podcast are Allison Netzer and Liz High, the authors of the book, ‘Think Like a Brand, Not a Bank’. Allison and Liz share how good branding can appeal to people’s emotions, allowing a bank or credit union to outperform the competition.

This Episode of Banking Transformed is sponsored by FIS

From super apps and crypto to embedded finance and financial inclusion, we’re a long way away from the world of cash and checks. That’s why FIS has published The Global Payments Report.

The Global Payments Report makes it easy to understand what your consumers want now – and in the future. Read about the trends transforming payments and what they mean for your business. FIS also gives you an in-depth view of how consumers pay when shopping online and at the point of sale in more than 40 markets, along with the latest insights into real-time payments trends, digital wallets, and even Crypto.

Discover how the latest payments technologies could affect your business. Get your report today by visiting fisglobal.com/gpr.

FIS. Advancing the way the world pays banks and invests.

Unfortunately, IDC also found that 73% of financial institutions globally have technology infrastructures for payments that are far from future-ready.

Today, we have Bhavin Turakhia, CEO and Co-founder of Zeta on the Banking Transformed podcast. Bhavin discusses how embedded payment technologies are becoming available to organizations of all sizes, allowing legacy banks to keep pace with technology leaders.

This episode of Banking Transformed is sponsored by Zeta

Zeta helps issuers launch next-gen card programs with its cloud-native and fully API-enabled stack that includes processing, issuing, lending, core banking, and many other capabilities. Zeta has 1400+ employees with over 70% in technology roles across locations in the US, UK, Middle East, and Asia. Globally, eight issuers and 30 fintechs have issued 15M+ cards on Zeta’s platform.

For more information visit www.zeta.tech

When smaller financial firms can’t reach the scale needed to compete effectively, there is potential for economic inequality, reduced social responsiveness, and less innovation.

My guest on the Banking Transformed podcast is James Bessen, lecturer at Boston University School of Law and author of the book, ‘The New Goliaths’. Jim shares his perspective that the largest firms have a major competitive advantage, and how democratizing technology, insights and innovation can level the playing field.

This Episode of Banking Transformed is sponsored by FIS

From super apps and crypto to embedded finance and financial inclusion, we’re a long way away from the world of cash and checks. That’s why FIS has published The Global Payments Report.

The Global Payments Report makes it easy to understand what your consumerswant now – and in the future. Read about the trends transforming payments and what they mean for your business. FIS also gives you an in-depth view of how consumers pay when shopping online and at the point of sale in more than 40 markets, along with the latest insights into real-time payments trends, digital wallets, and even Crypto. Discover how the latest payments technologies could affect your business. Get your report today by visiting fisglobal.com/gpr.

FIS. Advancing the way the world pays banks and invests.

When fraud or identity theft does occur, customers want fair, equitable and fast resolution, with pain-free, frictionless access to their impacted accounts.

We are happy to have Chad Gluff Sr. Director, Global Identity and Fraud for TransUnion on the Banking Transformed podcast. Chad shares the impact that fraud and identity theft has on banking and the ways to turn your identity fraud solution into a customer experience opportunity.

This episode of Banking Transformed is sponsored by Neustar

 Neustar sorts users intelligently and reliably into high- and low-risk buckets, allowing you to quickly identify and let through low-risk consumers. Reduce digital identity fraud by 20 percent and better focus valuable fraud-fighting resources. Put additional verification steps in place only for high-risk, potentially fraudulent transactions.

 Visit www.home.neustar/risk-solutions for more information

Transformation is also not a project or a destination, but a continuous process of adapting to a volatile and uncertain environment to become more future-ready.

We are excited to have Seth Goldstrom, Senior Partner at McKinsey & Company on the Banking Transformed podcast. Seth shares the keys to a successful transformation and why most transformations fail to deliver as expected.

Winning organizations are building the capabilities, talent, and organizational structure needed for this transition. Those that stick with traditional processes will be forced to play catch-up in the years to come.

We are very fortunate to have Jouk Pleiter, Founder and Chief Executive Officer at Backbase on the Banking Transformed podcast. He discusses how to win customers – for life – in the new era of embedded banking.

Personalization must become a strategic priority, using data to create a differentiated value exchange with the customer in real-time.

I am excited to have Jim Stapleton, Senior Vice President at Epsilon on the Banking Transformed podcast. Jim shares how banks and credit unions can deepen relationships by understanding customer behaviors and offering timely solutions.

This episode of Banking Transformed is sponsored by Epsilon

 With 50+ years’ experience, Epsilon for Financial Services accelerates clients’ ability to harness the power of data to enhance, activate, and measure campaigns with confidence. With market-leading insights into customer's actions (even when they’re not interacting with your brand), Epsilon can predict upcoming life events and deliver optimized messages across owned and paid channels, while respecting and protecting consumer privacy and client data.

Learn more about Epsilon for Financial Services

With an evolving brand strategy to meet the needs of a more expansive, diverse consumer base, Milligan is tasked with communicating an expanding set of capabilities to these new audiences and modernizing the brand for future growth.

We are joined by Alice Milligan, the CMO of Morgan Stanley. Milligan discusses her career journey and the global brand strategy of Morgan Stanley. She also shares how data and analytics is the foundation for better marketing decisions.

This episode of Banking Transformed is sponsored by mParticle.

 mParticle believes that better decisions start with better data. Cleanse, visualize, and connect your customer data from any source or system to any API. Better data, better decisions, better outcomes. Visit mparticle.com for more.

Recently, WeBank has been expanded the use of blockchain as one of the key technologies to improve efficiency of digital banking and to promote equity and sustainable development. WeBank has also extended beyond financial services to assist other industries in the deployment of blockchain capabilities.

We are joined again on the Banking Transformed podcast by Henry Ma, executive vice president and CIO of WeBank. Ma discusses WeBank’s mission of delivering financial inclusion at scale by leveraging AI, blockchain, cloud computing, and big data.

The need for financial education extends across every socio-economic segment and every age category. Advanced technologies have made the delivery of personalized financial education more feasible and more impactful for any sized financial institution.

We have Ryan Swift, Vice President of Strategic Partnerships at EVERFI on the Banking Transformed podcast. Ryan discusses the value that financial education has in helping financial institutions make an impact in their communities.

This episode of Banking Transformed is sponsored by EVERFI:

See how EVERFI can help you reach new customers, expand wallet share, and strengthen your brand with personalized, digital financial education programs that help you drive visibility for your products and services.

More at https://everfi.com/financial-education/

By integrating data, analytics, advanced technologies, automation, and an upskilled workforce, banks and credit unions can become more future-ready and agile in a crisis. These firms will also be able to take advantage of unique marketplace opportunities.

I am fortunate to be joined on the Banking Transformed podcast once again by Ron Shevlin, Chief Research Officer at Cornerstone Advisors. We discuss strategies and tactics financial institutions must take today to become more prepared for any economic environment.

This episode of Banking Transformed is sponsored by mParticle.

 mParticle believes that better decisions start with better data. Cleanse, visualize, and connect your customer data from any source or system to any API. Better data, better decisions, better outcomes. Visit mparticle.com for more.

This episode of Banking Transformed is sponsored by Q2

 Today, digital banking is more than a channel—it’s how financial institutions deliver their brand, manage customer relationships, and grow their business. Q2 helps FIs wherever they are on their digital transformation journey, with a portfolio of consumer and commercial solutions that help customers save, spend, borrow, and engage.

More at https://www.Q2.com

Zogo is an award-winning app that gamifies financial literacy for younger consumers. Created by a Chinese immigrant, at the age of 19, Zogo currently serves 600,000 users from 200 financial institutions, including American Express.

We are fortunate to have Bolun Li, founder & CEO of Zogo on the Banking Transformed podcast. He discusses the origination of this gamification-based app and the growth that has been achieved since Zogo’s founding.

The question is, if the Fed must raise rates to higher levels to restore economic calm, could this start a recession that pushes the unemployment rate higher? And how does this impact the banking industry?

I am excited to have Steven Rick, Chief Economist for CUNA Mutual on the Banking Transformed podcast. Steve shares his insights on the unprecedented economic conditions we are seeing and what the future may look like for the banking industry.

This episode of Banking Transformed is sponsored by CUNA Mutual Group

 Built on the principle of “people helping people,” CUNA Mutual Group is a financially strong insurance, investment and financial services company that believes a brighter financial future should be accessible to everyone. Through our company culture, community engagement, and products and solutions, we are working to create a more equitable financial system that helps to improve the lives of those we serve and our society. For more information, visit cunamutual.com.

But, while almost every financial institution is jumping on the bandwagon saying they are committed to doing what is good for society, how does a bank or credit unions differentiate from the noise in the marketplace?

We are fortunate to have Chris Skinner, one of the foremost influencers in the banking industry and author of the book, ‘Digital for Good’, on the Banking Transformed podcast. He discusses the value of having a higher purpose for financial institutions.

This episode of Banking Transformed is sponsored by mParticle.

 mParticle believes that better decisions start with better data. Cleanse, visualize, and connect your customer data from any source or system to any API. Better data, better decisions, better outcomes. Visit mparticle.com for more.

Subscriptions make our customers’ lives easier with the touch of a button, a recurring purchase or even a reminder about content of interest. Helping customers pay directly from their debit or credit card can generate revenue. Beyond that, there are even subscription opportunities with personalized financial content.

It is great to have Joan Clark, VP of Product for Segmint on the Banking Transformed podcast. Joan discusses the way banking can benefit immediately from the subscription economy.

This episode of Banking Transformed is sponsored by Segmint

 Segmint empowers financial institutions and financial technology providers to easily understand and leverage data, interact with customers, and measure results. Derived from billions of transactions, Segmint provides the fastest and most accurate customer insights through advanced data tagging, categorization, and contextualization. Our insights enable all functions of an organization to inform strategies including competitive analysis, risk, marketing, customer experience, and product innovation.

Visit HERE to learn more about Segmint.

It is expected the BaaS model will become a new battleground for both established banks and digital challengers, as the model has the potential to generate new revenue growth for both financial and non-financial businesses. The question becomes, will legacy banks become a distributor of financial products, a producer of them, or both?

I am joined on the Banking Transformed podcast by Matthew Smith, Head of Digital Banking and Banking as a Service at Webster Bank. Matthew discusses why Webster Bank decided to pursue the BaaS strategy and the success of the strategy to date.

One way to improve the effectiveness and efficiency of customer communication is with texting solutions, connecting with customers in real-time using messaging that gets attention far greater than traditional channels.

My guest on the Banking Transformed podcast is Scott McArthur, CRO of Statflo. Scott discusses the power of intelligent conversational texts, and how this channel can improve satisfaction and financial results.

This episode of Banking Transformed is sponsored by Statflo

Statflo provides the leading compliant business text messaging platform that enables Financial Institutions to have productive, two-way conversations with their customers. With seamless integrations to existing CRM/core systems, full customer context, and rich shareable content, customer-facing teams have all the tools they need in a single platform to engage, retain, and grow their customer base.

For more information visit statflo.com

With the convergence of hundreds of millions of people with computer capacity at their fingertips, high-speed and high-capacity internet capabilities, the introduction of modern and affordable AR, VR and MR devices, and new assets powered by Web3 technology, the Metaverse is being defined in real-time daily.

My guest on the Banking Transformed podcast is Ray Wang, Founder and Chairman of Constellation Research. Ray untangles the hype from the likely reality and provides a clearer view of where the potential value lies for financial services.

This episode of Banking Transformed is sponsored by mParticle.

mParticle believes that better decisions start with better data. Cleanse, visualize, and connect your customer data from any source or system to any API. Better data, better decisions, better outcomes. Visit mparticle.com for more.

Without quick and decisive action, legacy financial institutions could become invisible to consumers and small businesses by 2030. To a degree, this has already occurred in payments. What’s next?

We are very fortunate to have Philippe De Backer and Juan Gonzalez from Arthur D. Little on the Banking Transformed podcast. They discuss the challenges facing traditional banking organizations and the actions that must be taken today for long-term survival.