Digital Banking Podcast

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Episodes: 69


The Digital Banking Podcast is powered by Tyfone. Tyfone is a dramastically better digital banking provider. Our appeal is unique, we collaborate closely with our customers and the banking ecosystem in an open approach coupled with a powerful user experience that helps “get things done”! On our podcast you will hear how digital banking plays a leading role for community minded financial institutions from the unique perspectives of our industry expert guests.

Episode Date
Getting Financial Education Right for Your Accountholders, With Sid Ratkiewicz of the Center for Advanced Hindsight at Duke University and Matt Iverson-Comelo of Moneymap

It seems so simple. Follow a budget. Don’t run up your credit cards. Keep an eye on your credit score. Most importantly, consider the long-term consequences of every financial decision. It’s a recipe for financial success. And yet, most Americans struggle with their finances.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Sid Ratkiewicz, a behavioral researcher at the Center for Advanced Hindsight at Duke University, and Matt Iverson-Comelo, CEO and Founder of Moneymap. The three of them discussed the importance of financial education and literacy, the consequences of the lack of financial knowledge, and how community financial institutions can be most helpful. 

Jun 02, 2023
Winning Through Empathy, With Austin Adams, Retired CIO of JP Morgan Chase

In this episode of The Digital Banking Podcast, host Josh DeTar and Austin Adams, retired CIO at JP Morgan Chase, discussed why empathy is more important than feature functionality when community FIs try to take on the megabanks. Adams also shared a little of his knowledge and expertise in driving innovation and superior customer experience in a complex and ever-changing environment.

May 19, 2023
Think Big, Start Small, Move Quickly, With Ashish Garg of Eltropy

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Ashish Garg, the founder and CEO of Eltropy. They talked about the importance of community financial institutions in underserved communities, how community FIs can find their niche, and why technology is a powerful ally for financial institutions.

May 05, 2023
Achieving Differentiation in a Crowded Market, With Aaron Wollner of Quontic Bank

In this crowded marketplace, how can a community financial institution possibly differentiate itself? Better technology is table stakes, because as soon as you add the latest shiny object to your tech stack, every other FI in town will add it, too. In the end, differentiation can only come from better ideas.

In this episode of The Digital Banking Podcast, our Josh DeTar welcomed Aaron Wollner, the CMO of Quontic Bank, which is the best online bank according to Forbes. Wollner discussed the importance of authenticity for a brand to resonate and explained the concept of non-monogamous banking. The two discussed the importance of digital transformation, how Quontic adapts to macroeconomic changes, and the one question you must constantly ask.

Apr 21, 2023
Remaining Relevant Through Innovation, With Benjamin Maxim of MSUFCU

Community financial institutions are no longer competing with just each other. In an increasingly all-digital world, they’re competing with every other app and service that facilitates some sort of financial transaction. If these institutions don’t innovate to stay ahead of the curve, they risk losing relevance – especially with younger generations.

In this episode of the The Digital Banking Podcast, host Josh DeTar welcomed Benjamin Maxim, Chief of Digital Strategy & Innovation at Michigan State University Federal Credit Union (MSUFCU). Ben explained why community financial institutions must innovate and what the process of adopting new ideas looks like. The two also discussed how these institutions can use vendors and their offerings; how they decide whether to build, buy, or partner; and how they select partners.

Apr 07, 2023
Bridging the Language Gap Between Fintechs and Community FIs, With Lisa Gold Schier
Many new fintechs started out focused on a direct-to-consumer (DTC) model. They’re not accustomed to many of the technological constraints of the banking industry and, just as important, they’re unfamiliar with the language of the industry. This can lead to break-downs in communication between fintechs and FIs, even though they very much need each other right now.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Lisa Gold Schier, the Chief Strategy Officer at ASA Technologies. They discussed the importance of the relationship between tech providers and financial institutions and how to bridge the language gap. They looked at adopting new technologies, why FIs should make technology changes, and the test-learn-go method.

Mar 24, 2023
Balancing Collaboration and Competition, With Danny Payne of Jack Henry

Collaboration and cooperation in the face of competition. It’s a concept that both financial institutions and fintechs must embrace to survive. In this episode of The Digital Banking Podcast, host Josh DeTar was joined by Danny Payne of Jack Henry. The two discussed how competing fintechs can share a common forum and learn from each other to meet their users' specific needs.

Payne and DeTar also discussed digital transformation and the challenges community financial institutions face in approaching it. Payne explained why community FIs suffer from “conversion aversion” and how they can overcome it. 

Mar 10, 2023
The People Side of Banking, With Kareem Refaay of The London Institute of Banking & Finance

It’s easy to think of banking as a numbers industry. After all, that’s what a dollar is: a numerical representation of buying power. However, as our guest in this episode of The Digital Banking Podcast made clear, banking is really a people industry. It’s people working at financial institutions helping the people who bank there to better their financial lives.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Kareem Refaay, the managing director of The London Institute of Banking & Finance. Refaay explored the similarities and differences between banking and finance in Europe and the U.S. He and DeTar discussed digital transformation, financial inclusion, and why problems with managing money should be defined as a disease.

Feb 24, 2023
Banking on Engagement, With Michael Bank, the Co-Founder of Blip Labs

The reason it’s so hard to define digital transformation is because it means – or should mean – something different to every financial institution. In other words, the finish line may be the same for everyone, but the starting line will always be different. Sometimes simply adding a new layer of technology will work. Other times, you’ll need to step back and consider completely reengineering a process based on the availability of new technology. The key is to always be mindful of your accountholders’ needs and focus on creating the best possible experience for them.

In this episode of The Digital Banking Podcast, Blip Labs CEO Michael Bank explained what digital transformation in banking should look like. Bank and host Josh DeTar discussed the idea of having an aggregated financial picture, new ideas and expectations of the "younger guard," and why automation is so important. 

Feb 08, 2023
Accountholder Communications: Choosing the Right Channel at the Right Time, With Gregg Hammerman

There are many ways for financial institutions to communicate with their accountholders in the digital age. With so many options, it’s easy mistake quantity for quality. Effective communication is still a matter of listening mindfully to the people you serve and intelligently providing them with the information that’s pertinent to them. The only thing that’s changed is how that’s accomplished.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Gregg Hammerman, the CEO of Larky. The two discussed the banking world and the challenges digital transformation has brought to financial institutions. They talked about sales as a service, how to communicate with customers in the right way, and how to choose a communication channel.

Jan 27, 2023
Being Totally Prepared for an Uncertain Future, with Don MacDonald

During his 30+ years marketing technology of all sorts, Don MacDonald worked for Intel, Qualcomm, Fiserv, and MX. As a result, the insights he shared on this episode of The Digital Banking Podcast are beyond valuable as they help banking professionals mitigate fear and embrace change. 

MacDonald shared Andy Grove's philosophy and how it shaped his thinking, the lessons he learned from bees and believes could benefit everyone, and how taking the customer-first approach and providing a personalized experience while leveraging technology and data is the future of FIs.

Jan 13, 2023
Branches Are Dead, According to Ron Shevlin, Chief Research Officer at Cornerstone Advisors

Do financial institutions still need branches? Is digital transformation more of a cultural shift than a technological shift? According to one industry insider, the answer to both questions is no.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Ron Shevlin, the Chief Research Officer at Cornerstone Advisors. Shevlin and DeTar explored the world of fintech and tech trends in banking. They also discussed the digital transformation of FIs and what's going on in banking in this context.

Dec 30, 2022
Embracing Technology to Improve Lives, With Brett Wooden

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Brett Wooden, the SVP of Innovation at FTSI. They talked about the benefits of integrating AI into banking technology, the importance of thinking outside the box, and why you need to create a seamless and convenient digital experience for your accountholders. 

Dec 16, 2022
The Time for Collaborative Banking Is Now, With Landon Glenn

Fintechs are no longer the enemy. They’re gradually moving into the role of trusted technology partner. The sooner you recognize and accept that, the better off your financial institution will be.

In this episode of The Digital Banking Podcast, ASA founder Landon Glenn and host Josh DeTar discussed digital transformation and the vast number of fintech launches in recent years. They discuss the danger these companies present to traditional FIs, but also the challenges fintechs face when coming to the market.  

Glenn also explained the terms open banking and collaborative banking, and shared how they benefit traditional FIs and fintechs alike. Finally, he explained why creating opportunities for all is the right path forward in the finance space. 

Dec 02, 2022
The Good and the Bad of Customer Feedback, With Catherine Ordeman

Opinions are like … well, you know the saying. And that’s all customer feedback is – opinions. Some feedback is downright transformative, other feed back not so much. However, because it comes from your customers, you must respond to all of it in some measure. The trick is determining the appropriate response for any given feedback. You can’t overreact, but you can’t underreact, either.

In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Catherine Ordeman, Head of Banking Partnerships at fintech Mercury. They discussed the importance of customer feedback, how to identify your customers' pain points, and why you need to differentiate relevant feedback from irrelevant feedback.

Nov 18, 2022
Don’t Forget to Include Your Employees in Digital Transformation, with John Findlay, CEO of LemonadeLXP

Traditionally, it’s always been your employees who are responsible for the “front line.” In the wake of digital transformation, has technology taken over responsibility for the front line? The short answer is no. Technology is just a new tool that can help your employees better serve your accountholders. Thus, your employees must be well-versed in the use of that technology.


In this episode of The Digital Banking Podcast, host Josh DeTar was joined by John Findlay, the CEO of LemonadeLXP. The two discussed the importance of digital transformation in the modern-day finance space, why certain financial institutions develop defense mechanisms against this change, and the ways to overcome them. Findlay also talked about gamification and how it impacts employee training, helps companies increase engagement and makes their employees successful digital ambassadors.

Nov 04, 2022
Open Banking, Conversational AI and a Whole Lot More, with Dan Black of

Each new voice on The Digital Banking Podcast brings with it a fresh perspective that adds to the conversation, and this installment is no different. 


In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Dan Black, Strategic Partnerships and Accounts at The two discussed open banking and the age of conversational AI. They also covered the conversion to digital banking, ways of communicating with users, and the evolution of fraud in financial services.

Oct 21, 2022
Determine Your Strategic Goals Before Selecting a Fintech Partner, with Don Shafer, Co-founder & Chief Evangelist at Quilo

Are fintechs your financial institution’s enemy or its savior. Or something in between. The correct answer is, all of the above.  

In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Don Shafer, the co-founder and chief evangelist at Quilo. Among other things, the two discussed how fintechs generally fall into one of three different “buckets.” They also looked at people's expectations from banking and tech, as well as why you shouldn’t close your branches.

Oct 07, 2022
Cryptocurrency and the Community FI, With Lou Grilli of PSCU

Think you understand cryptocurrency? More important, do you understand what it means to your community financial institution? Probably not as well as this episode’s guest, Lou Grilli, Sr. Innovation Specialist at PSCU. Host Josh DeTar dug deep as Grilli explained crypto and shared how it will revolutionize financial services. 

Sep 23, 2022
Leveraging Technology to Serve the Underserved, with Kristi Kenworthy of Dora Financial

The core philosophy of credit unions is people helping people and enabling underbanked communities that don't have access to traditional financial institutions. While technology can play an important role in effectively reaching those communities, there will inevitably be some members of the community that don’t have access to modern technology. Therein lies the rub. 

In this episode of Digital Banking Podcast, Kristi Kenworthy, Managing Director of Dora Financial, a CUSO of credit union USALLIANCE Financial, joined host Josh DeTar to discuss the present and future of the credit union industry. She introduced Dora and shared its origin story, vision, and mission. 

When asked about whether credit unions are following the core philosophy (as mentioned earlier), Kristi said, ''Do credit unions do a good job? Absolutely. They do a great job trying to serve people of modest means who might shun mainstream financial products and services. But could Dora be a solution that would help you do an even better job? If there are still 50 million unbanked Americans, we have to do a lot of work to try to serve that market and bring them into the credit union industry.''

Sep 09, 2022
Good Decisions Require Good Data and Good Accountholder Understanding, with George Estrada, Principal Strategic Advisor for Credit Unions at AWS

George Estrada, Principal Strategic Advisor for Credit Unions at AWS, emphasizes that listening to the needs of your accountholders and community members is very important to retain them. In this episode of the Digital Banking Podcast, Estrada and host Josh DeTar considered the relationship between a credit union (CU) and its members. They discussed the importance of user experience, the positive impact of innovative external sources, and how to develop a data strategy that protects your data as a CU.

Aug 26, 2022
How to Leverage Digital Banking Configuration to Provide Personalized Financial Solutions With Bill Kinnelly

It’s a constant balancing act for community financial institutions. If you use all your software ”out of the box,” you risk looking just like everybody else. If you customize your environment too heavily, you can end up with a support nightmare that none of your vendors can help with.

In this episode of Digital Banking Podcast, host Josh DeTar welcomed Bill Kinnelly, the CEO of KGA Advisory, LLC. They discussed the pitfalls of being on a customization island, the potential problems with development, and the positives and negatives of an SDK (software development kit) approach.

No two community financial institutions are the same, so of course, no two FI technology environments are the same. Every financial technologist wants to create a user experience that’s perfect for their FI’s accountholders, not one that’s perfect for the FI down the street. Customization is one option. But whether you have your vendor do the customization or do it all in-house, customization has risks. It adds cost and it adds complexity, both up front and over time. Are the risks worth the rewards. No two financial institutions will have the exact same answer to that question either.

Aug 12, 2022
How to Adapt to the Evolution of Payments With Melissa Kopp of Neural Payments

Change is difficult for everyone – for some more than others. Communication – whether to employees or account holders – can make change much more palatable.

In this episode of the Digital Banking Podcast, Melissa Kopp got into the need for communication in the corporate world and pointed out the importance of fintech for increasing an FI’s speed to market. She and host Josh DeTar discussed changes in consumer payments, the risks of this process, and fintech's role in all of this.

Jul 29, 2022
Moving at the Speed of Impulse with Sabeh Samaha of Samaha & Associates

In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Sabeh Samaha, President and CEO of Samaha & Associates. They chatted about what Samaha called “the speed of impulse,” the importance of functionality, beauty, and hospitality in banking, and the future of banking in the metaverse.

Jul 15, 2022
How to Ensure Big Wins in Product Development, with Sarah Sprague Gerber of MoneyLion

A successful product is unique, or at least arguably better than its competitors. However, that in itself is not enough to guarantee success.  And a seamless, frictionless, transparent user experience is table stakes today. To win big, you need to humanize the experience and introduce human elements into your product.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Sarah Sprague Gerber, the Director of Product at MoneyLion. They talked about building trust through an error-free experience, why product gamification works, and the importance of vulnerability and transparency.

Jul 01, 2022
Getting Phygital with Tom Shen

Tom Shen boasts a long and fabled career in financial technology spanning some 40 years. Some of the companies he’s been associated with, like Software Dynamics and S1, are long forgotten. Others like Digital Insight and Maluzai Software are still fresh in our memories. Today Shen is on the board of two financial technology rising stars: Sensibill and Zsuite Technologies. In short, he can back up his opinions with plenty of experience. 

In this episode of The Digital Banking Podcast, Shen discussed his personal and professional journey, as well as his perceptions of the market and digital banking with host Josh DeTar. The two also addressed the importance of humanizing the banking experience and hyper-personalization in FIs. They also tackled digital platforms' shiny objects and the importance of understanding customers' needs.

Jun 17, 2022
Innovating and Getting the Most from Your Technology Investments Old and New – Chris Sachse and Brian Murphy

It’s no secret that tech giants like Amazon and Apple are driving consumer expectations for all digital interactions – including digital interactions with your financial institution. The problem is that many systems still in use at community FIs are still based on what one might call “legacy technology.” Simply stated, they were architected before Amazon was even a glimmer in Jeff Bezos’ eye. This problem is not insurmountable, but it does need to be aggressively addressed. 

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Chris Sachse, CEO of Think|Stack, and Brian Murphy, Partner Strategist, Nonprofit Organizations at Amazon Web Services (AWS).

Brian talked about AWS and its initiatives for building up and supporting innovation within the community banking ecosystem. Chris went on to discuss how important he feels it is for community FIs to take advantage of such initiatives. 

Jun 03, 2022
How to Balance People and Technology to Provide an Exceptional User Experience With Jeff Keltner of Upstart

Digital transformation isn’t a project – it’s a never-ending pursuit. What’s more, digital transformation is cultural as much as it is technological. There are no easy answers and there are no shortcuts. 

In this episode of Digital Banking Podcast, Jeff Keltner, the Senior Vice President of Business Development at Upstart, joined host Josh DeTar to discuss the impact of digital transformation on the growth of community FIs. He also explained why failures are as critical as successes and how achieving a balance between people and technology is the key to providing an exceptional user experience. 

May 20, 2022
Evolving Your Brand in the Digital Age, with Amy Herbig of The BA Group

Digital transformation is more than deploying some new technology. Effective digital transformation requires financial institutions to think differently and act differently. This fundamental shift begins at the brand level. While some institutions may see their brand as chiseled in stone, a brand must constantly evolve. That’s truer now more than ever.

In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Amy Herbig, founder and CEO of The BA Group. DeTar and Herbig discussed the importance of preparing credit unions for change, explained why credit unions need to think like they are "running a business," and discussed author, inspirational speaker and marketing expert Simon Sinek's business analysis technique.

May 06, 2022
Meeting Consumers’ Constantly Changing Expectations, with Jenn Markus of Glia

By now it should be clear to all community financial institutions that digital transformation is both imperative and a never-ending endeavor. Technology keeps changing, which means that consumer expectations keep changing, which means that FIs must keep changing just to keep up. It’s not easy.


In this episode of the Digital Banking Podcast, Josh DeTar welcomed Jenn Markus, the Director of Technology Partnerships at Glia. two discussed how companies can engage consumers and lead them to successful service outcomes, how companies should interact with consumers in the digital environment, and why communication is so important. Markus also explained the intricacies of payment processing.

Apr 22, 2022
Digital Transformation and How to Leverage Technology, With Mark Sievewright of Sievewright & Associates

It’s impossible to ignore the constant beating of the digital transformation drum. Where many financial institution executives struggle is trying to figure out exactly what digital transformation means and where to start. Our guest on this episode of the Digital Banking Podcast broker digital transformation down to four manageable components: people, technology, data, and processes.

In this episode of Digital Banking Podcast, we hear this and more from Mark Sievewright, the founder and CEO of Sievewright & Associates, as well as the co-author of Digital Life

Other topics that Sievewright covers with host Josh DeTar include the importance of company culture, successful tactics and strategies for leveraging technology, how even small FIs can differentiate themselves, and what FIs can learn from giants like Apple and Amazon. 

Apr 08, 2022
What Digital Transformation Is and Isn’t, with Craig McLaughlin of

There’s general agreement that digital transformation is an imperative for forward-thinking financial institutions. Where there’s not always agreement is in what “digital transformation” actually means. Unfortunately, some FI executives conflate digital transformation with simply buying and deploying new tech products on top of their old tech products. To be clear, digital transformation is not about buying technology; it’s about a paradigm shift in how FIs view themselves and what they do.

In this episode of The Digital Banking Podcast, host Josh DeTar welcomed Craig McLaughlin, the CEO of, for a discussion of digital transformation and hopw FIs can grow faster by improving their digital strategy. offers a platform that applies real-time big data and machine learning in a way that can address the unique needs of prospective and current accountholders. Its “segment-of-one” experience is based on individuals’ unique identities, orchestrating their financial journeys using dynamic segmentation and content to address their needs. This allows institutions to compete more effectively, drive consumer acquisition, and improve retention.

Mar 25, 2022
Thoughts on Friction, Fintechs and Focus, With Bryce Deeney of equipifi

Community financial institutions are unique in that they have high-touch relationships and services built into their culture. But if they want to keep pace with – or even outpace – the mega banks, they must be willing to use that uniqueness to their benefit and take some risks, too.

That was the message from Bryce Deeney, the co-founder and CEO of equipifi. In this episode of the Digital Banking Podcast, host Josh DeTar talked to Deeney about the importance of providing an exceptional user experience, keeping pace with the digitization of money movement, and why fintech companies and credit unions should collaborate more.

Mar 11, 2022
The Credit Unions 4 Kids impact, with Nick Coleman of Children's Miracle Network Hospitals

Credit unions nationwide have joined forces to help raise money for kids in hospitals, and their results have been significant. Of course, this is a need that never goes away.

In this special episode of the Digital Banking Podcast, Josh DeTar welcomed Nick Coleman, the Director of Strategic Partnerships at Children's Miracle Network Hospitals (CMN Hospitals). They discussed Credit Unions for Kids (CU4Kids), the way this mission brings credit unions together, and how CU4Kids became the fifth largest donor for CMN Hospitals.

Feb 25, 2022
How to Maintain Your Core Values in a Digital World, With Brian Alfano of Oregon Community Credit Union

Today’s credit unions are faced with a balancing act. On one side is the high-touch, member-focused, “people helping people” ethos. On the other side is the need to embrace digital, with all its benefits and all its shortcomings.

In this episode of the Digital Banking podcast, host Josh DeTar, welcomed Brian Alfano, the COO of Oregon Community Credit Union. They discussed how core values can guide you in the right direction, why credit unions need to put their members first, and how you can leverage digitization to improve services.

Feb 18, 2022
Digital Marketing Is Tricky for Credit Unions but Essential, Says Kristin Harrison of Web Strategies

Digital tools are increasingly critical to any community financial; institution’s marketing program. However, with so many options literally at one’s fingertips, it can be difficult to create a cohesive, effective digital marketing strategy. That said, the starting point is always a careful consideration of the institution’s culture.

In this episode of the Digital Banking podcast, host Josh DeTar welcomed Kristin Harrison, the Director of Business Development at Web Strategies. The two discussed the importance of thinking outside the box in digital marketing (especially in the financial space), how to stand out in today's competitive market, and why you need to be progressive if you want to succeed in such a crowded space.

Feb 04, 2022
Creating Balance Between Growth and Your Core Mission, with Michael Murdoch of Wauna Credit Union

While most new credit union members are middle-aged men and women, credit unions, like so many other organizations, want to pursue the millennial market. That apparent disconnect creates quite a challenge for growth-minded credit unions.

In the latest episode of the Digital Banking Podcast, host Josh DeTar welcomes Michael Murdoch, the marketing manager at Wauna Credit Union. The two get into what credit unions should do to attract younger members, why credit union executives should include their entire teams in the decision-making process, and how the appropriate use of data, technology, and diversity can help credit unions grow.

Jan 21, 2022
How to Manage the Due Diligence Process When Choosing a Technology Provider — Shaun Murray, the CEO of Enhanced Software Products, Inc.

Technology is constantly changing, so what constitutes good due diligence today may not be good enough tomorrow. Many FIs neglect the importance of doing proper due diligence based on current technbology in order to find a vendor that best meets their current and future needs. 

In this episode of the Digital Banking Podcast, we heard from Shaun Murray, CEO of Enhanced Software Products, Inc. Shaun and our host Josh DeTar discussed the importance of practicing due diligence when choosing a new digital banking solution and how this can lead to long-term, mutually beneficial partnerships. 

Jan 07, 2022
Striving for Perfection Leads to Continuous Improvement, With Joel Morehouse of Daland CUSO

Customers expect perfection from financial institutions. And when money and personal information are at stake, there's nothing unusual about that expectation. But striving for perfection and being perfect are not the same thing. Companies that strive for perfection in banking actually strive for constant improvement. 

In this episode of the Digital Banking Podcast, our host Josh DeTar welcomed Joel Morehouse, a Strategic Solutions Project Manager at DaLand CUSO. They got into the concept of imperfection in banking and why it helps build customer relationships and improve internal processes. They also talked about the role of technology and how FIs can live up to customers' digital expectations.

Dec 10, 2021
Embracing Change in an Ever-Changing World, With Shannon Ellis-Brock of Puget Sound Cooperative Credit Union

Credit unions use technology and a personalized approach to ensure the best member experience. Even with this winning combination, it’s still a challenge to stand out in a market where major banks dominate. 

In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Shannon Ellis-Brock, the COO at Puget Sound Cooperative Credit Union. Shannon and Josh discussed why innovation and development are such powerful ideas in their industry, how satisfied employees lead to happy members, and why credit unions should partner with companies open to members' complaints and ideas. 

Nov 26, 2021
Negotiating Better Vendor Contracts With Mike Crofts from Maple Street Inc.

For financial institutions to evolve and improve member experiences, it’s important to introduce new technologies. However, it’s important to consider new technologies from a strategic perspective as well. 

Too often, FIs jump to implement the latest new feature. And organizations chase after new “shiny objects” hoping to meet the requirements of members. In the rush, FIs fail to negotiate contracts effectively and potentially cost their organizations millions of dollars during the course of a contract.

In this episode of the Digital Banking Podcast, host Josh DeTar sits down with Mike Crofts, President at vendor management consultant Maple Street, Inc., to uncover the secrets to negotiating favorable vendor contracts for your financial institution. Mike introduces key concepts in vendor negotiations, including establishing a clear understanding upfront and identifying ways to reduce costs when renewing contracts.

Nov 12, 2021
Community FIs should lean into local, with Geoff Knapp of Allied Payment Network

Geoff Knapp, Chief Growth Officer at Allied Payment Network, argues that community FIs are hanging onto a life ring, fighting for their lives in the golden age of opportunity.

In this episode of the Digital Banking Podcast, host Josh DeTar sits down with Geoff to talk about how younger clients are disrupting the banking industry by opting for megabanks for traditional banking needs because of their digital presence, and choosing fintech for niche services. Geoff says community FIs need to niche down by identifying who they want to target as customers and then taking risks to bring them in.

Listen to learn more about community FI tech opportunities, the importance of being the local coffee shop of banking, and taking risks.

Oct 29, 2021
Digital Transformation Requires a Cultural Shift, With Dion Lisle

Our guest, Dion Lisle, bills himself as the Rosetta Stone between FinTechs and Legacy FIs. He says FinTechs and banks operate at different speeds, and like gears, they need a transmission or a translation to be able to work together effectively. 

In this episode, he talks with host Josh DeTar about some of the current challenges community FIs face and what's at stake if they fail to listen to their customers more closely in the coming years. 

Oct 15, 2021
The Importance of a Personal Experience in Digital Banking with Joel Schwartz of DoubleCheck Solutions

There was a time when most banking business was conducted at the branch. The interaction with the same people week after week made for a warm, personal experience. 

Thanks to technology, we wait longer to use the ATM so that we don't have to talk to anyone. As a result, that warm, personal experience is at risk of going the way of the dodo bird.

Joel Schwartz, Founder and co-CEO of DoubleCheck Solutions LLC, joins our host Josh DeTar to discuss how fintech and digitized banking can actually make for a warmer, more personalized experience that your parents might remember.

Oct 01, 2021
Shondell Varcianna Explains the Essential Role Content Marketing Plays in Attracting and Retaining Ideal Customers

Shondell Varcianna is a resourceful and creative woman who keeps pace with the latest developments in the world of content marketing. Shondell is the CEO and founder at Varci Media. Her job consists of helping financial institutions succeed with their blog posts and all forms of content marketing. 

Shondell truly believes in the power of content. She suggests a holistic marketing approach to get in front of ideal customers, whether it is through Facebook Ads, PPC, or Google.

In this episode of the Digital Banking Podcast, Shondell reveals valuable tips and tricks financial institutions should implement when targeting the right customer. She emphasizes the importance of personalized content, technology, and unique strategies to approach the customer, as they don't want to be seen as numbers but individuals.

Sep 17, 2021
How Can Community Financial Institutions Secure Their Role in the Future of Banking? Here's What Trey Maust, the Co-Founder and Executive Chairman of Lewis & Clark Bank, Thinks

In this episode of the Digital Banking podcast, you'll get to hear from Trey Maust, the Co-Founder and Executive Chairman of Oregon City, Ore.-based Lewis & Clark Bank. Trey brings over 25 years of banking experience to the table, having served as CEO and Director at several leading financial institutions. 

Josh DeTar, host of the Digital Banking Podcast, and Trey Maust discuss the benefits of community financial institutions (CFIs) and their role in the future of banking. Trey's passion for the industry is contagious as he shares his thoughts and conclusions about fintech and CFIs. 

Trey and Josh talk about the differences between technology platforms and banks in terms of innovation. Trey offers great advice on how financial institutions can secure their place in the future of fintech.

Sep 03, 2021
Surround yourself with honest people, listen, and build a culture that benefits everyone - Tracey Miller of Pioneer FCU

In this episode of the Digital Banking Podcast, host Josh DeTar and SVP/VP of Operations Tracey Miller of Pioneer Federal Credit Union discuss a wide range of hot credit union topics. 

Tracey has a lot of experience in fintech and explains how important it is to be honest with both team members and external partners. Creating stable and sincere relationships can help any business to grow. If the foundation is strong, everyone around you will prosper and achieve their goals.

Tracey points out the importance of surrounding yourself with ambitious and detail-oriented peers, since that's the best way to answer all questions and overcome business challenges.

She thinks that listening to others while creating a company culture can take you places, and that's why Pioneer continues to thrive. Tracey is sure that building long-lasting relationships with everyone near you can help you overcome every obstacle on your path to success.

Aug 20, 2021
You Have to Keep Learning Throughout Your Life - Laura Thompson

Laura Thompson is a retired SVP/CIO at the famous Orange County's Credit Union. She inherited her passion for credit unions from her family, who have been involved with credit unions for decades. For her, credit unions, or careers in general, aren't only about getting promotions and earning more money. They’re about broadening knowledge and fostering mutual respect among members and colleagues, no matter what industry they belong to.

According to Laura, knowledge is a never-ending journey that is a prerequisite for growth. She is happy to hear that there are student-run credit unions whose members and associates are highly motivated young people ready to help others and ensure a stable future. One issue: Many of them want everything, and they want it now. But good things come slowly, says Laura, and they pay off eventually.

Continuing the discussion, she suggests people should focus on becoming better at what they do instead of concentrating on the promotion itself. She also tackles the challenges faced by credit unions regarding technology and digital banking, adding that members still love credit unions despite their uneven tech implementation.

Aug 06, 2021
Credit Unions Do a Terrible Job of Branding and Marketing - Eric Isham, CEO of Omnicommander

Eric Isham is a founder and CEO of OMNICOMMANDER, a company dedicated to helping credit unions grow by using well-thought-out SEO and marketing strategies. Based on his experience with credit unions, Eric claims that they do a terrible job of branding and marketing. How does that affect their overall performance and success?

Eric sees marketing as an essential tool for growth. However, marketing is only part of the answer. Credit union executives need to communicate well with their employees, members and partners. They need to answer all those why questions. Why should I become a member? Why should I stay at this credit union? By knowing the answers, credit unions can make significant changes in their workflow and grow memberships.

Eric explains how marketing and email campaigns can help credit unions grow, despite the common misconceptions about such an approach. He talks about branding, messaging, and the unified approach credit unions should embrace to go a step further.

Jul 23, 2021
Keeping Pace With Big Banks by Adopting Their Technology. Insights From Brenda DiMuro, Regional Sales Manager at CO-OP Financial Services

In this episode of the Digital Banking Podcast, Josh DeTar discusses the impact of digitalization on the financial industry with his guest Brenda DiMuro, Regional Sales Manager at CO-OP Financial Services.

Not only do Brenda and her team at CO-OP service at least 50% of credit unions across the country, but they're also currently working to enable Zelle for them. Due to its endorsement/adoption by major banks like Bank of America, Chase and Wells Fargo, Zelle is rapidly becoming the de facto standard for real-time, institution-to-institution P2P payments. 

Since the outbreak of COVID-19, it has become much clearer that digitalization is here to stay. According to Brenda, credit union members will not hesitate to look for other options if you don't give them what they need. 

If you want to hear more about the importance of continually updating your product offering, tune in to this episode of the Digital Banking Podcast with Brenda DiMuro. 

Jul 09, 2021
Delivering A Personalized and Member-Centric Consumer Experience with Dennis Griesgraber from United Educators Credit Union

In this episode of the Digital Banking podcast, Josh DeTar talks to Dennis Griesgraber, Chief Technology Officer at United Educators Credit Union. In this conversation, the two focus on the benefit of small credit unions and the importance of delivering a superior, member-centric experience to the credit union community in our technology-driven society.

Dennis speaks about the role of technology in enhancing the member experience. He sees that, even though we are surrounded by technology, members still find digital channels with poor user experience overwhelming. He provides potential solutions that create a more user-friendly environment, not only on the frontend but also on the backend.

Josh and Dennis discuss tech-related topics, including business intelligence (BI), leveraging data to enhance the member experience, and how the proper use of technology can help differentiate and allow small credit unions to shine. Tune in to the latest episode of the Digital Banking podcast to hear more firsthand information from our guest Dennis Griesgraber.

Jun 25, 2021
Managing Your Money Means Managing Your Giving, Too. So Says Gideon Taub, Founder of Pinkaloo

Gideon Taub, founder of Pinkaloo, is on a mission to democratize philanthropy.He says that while there's been a lot of innovation to help charities raise money, there hasn't necessarily been a lot of focus on how donors manage all of their giving. He also says giving has been siloed and isolated and explained why people should be more proactive in their giving. Pinkaloo seeks to change that. 

Gideon and host Josh DeTar discuss the virtual community and the importance of investing in digital banking. As Gideon explains, COVID accelerated digital adoption; people who didn't use digital banking apps were forced to use them. He also says in the past 18 months, there've been nonprofits that have really struggled, and there have been nonprofits that have seen a lot more funds flow.Gideon and Josh discuss solutions.

Jun 11, 2021
How Do Credit Unions Leverage Technology to Adapt to Members’ Changing Needs? First-Hand Answers from Mark Sommer, COO at ProMedica Federal Credit Union

In this episode of the Digital Banking Podcast, Josh DeTar talks with Mark Sommer, COO at $70M ProMedica Federal Credit Union, based in Toledo, Ohio. They discuss actual a wide range of topics in the credit union environment, including the pandemic-driven society surrounded by the power of technology. How can small credit unions leverage technology to improve their services?

Mark talks about the advantages and disadvantages of a digital environment, where non-face-to-face contacts affect the relationships between MSRs and clients, credit union members, etc. He discusses the idea of convincing younger generations to go with credit unions instead of Venmo or big banks. 

May 27, 2021
Discussing The Importance Of Humanizing The Digital Banking Experience With Adrian Quince

In this episode of the Digital Banking podcast, you get to hear from Adrian Quince, Assistant Manager for technology at Redwood Credit Union. RCU is a trusted and community-focused credit union that offers banking services to over 300,000 members. Adrian joins our host Josh DeTar to discuss the power of technology in helping their members achieve their financial goals.

What's one of the most significant value propositions that credit unions bring to the table? According to Adrian, it's the personal touch. "It's the ability to relate to the member on a very deep level and the ability to gain their trust and get them to open up." Throughout this thought-provoking episode, you'll hear Adrian and Josh discuss many burning topics. From the importance of humanizing the digital banking experience to the challenges of competing with big tech companies. 

If you want to learn more about how technology is transforming the financial industry, tune it to the Digital Banking podcast's latest episode.

May 14, 2021
How Does Merle van den Akker See the Role of Emotions In People’s Money-Spending Habits?

In this episode of Digital Banking Podcast, Josh DeTar features a conversation with guest - Merle van den Akker. Merle is a Behavioural Science Ph.D. student at the Warwick Business School in England. Merle’s motto is “You are never done learning” and she backs this up as a host the Questioning Behaviour podcast and as a blog writer at Money On The Mind. 

Merle’s inspiration for all of her work are two big questions: “Why do people spend the money they spend, and why don't people make certain investments?”. One of the main topics she’s researched is around whether online banking and tracker apps really help people with their finances. What’s the behavior that fuels our financial decisions? 

If you want to learn how emotions can influence people’s decisions regarding money, how different payment methods influence your spending habits, and what’s the science behind contactless cards & our spending behavior - tune in to hear it straight from Merle van den Akker. 

P.S. - She also had an interesting point of view about whether we should get back to cash or not, so don’t miss out on it!

Apr 30, 2021
How Can Data and Applied Analytics Help Credit Unions Deliver a Better Member Experience in the Digital Era – Tim VanTassel from FICO

Tim VanTassel, a VP of analytics software organization FICO, has rich experience in consulting, financial services, and banking. He’s interested in data and applied analytics, which he finds incredibly important in delivering convenient member experience, especially when it comes to credit unions.

In the latest episode of Digital Banking Podcast, he introduces the concept of FICO score, which is another brand of credit score widely used by lenders worldwide, but he also mentions other issues faced by credit unions and the process of their digitalization. Tim is focused on data, seeing them as an essential factor in user experience, loans, and sales.

What will you hear?

Through many interesting examples provided by both Tim and our host, Josh DeTar, you will learn about the FICO’s main goals, credit, members, behavior scores, sales relevancy, digitalization, and other concepts closely related to credit unions and member experience.

Tim and Josh will also discuss the problem of transactional fraud, another field in which Tim excels. Can fraud affect one’s credit score even if people didn’t know they were victims? You’ll be surprised. 

Apr 16, 2021
The Vital Connection Between Technology and Credit Unions with John San Filippo of Finopotamus

In this episode of the Digital Banking Podcast, you’ll hear from John San Filippo, the co-founder of Finopotamus. Finopotamus is a digital magazine for credit unions providing the latest fintech news from the industry. John has been in the credit union industry for over 30 years and has fulfilled a range of roles in different organizations. As a proud co-founder of a credit union blog, John now delivers useful tips and tricks to credit unions and technology companies that service credit unions.

Josh DeTar, host of the Digital Banking Podcast, and John San Filippo lead you through a brief history of the credit union, its development, and digital evolution. The two highlight events which have sparked significant changes to credit unions - especially in a year with a pandemic. John touches upon online banking, user experience, API integration, and the role of technology in the modern era.

The conversation also dives deeper into the difference between generations and what that means for handling transactions within a modern banking environment. And, lastly, the two explore how credit unions can compete with all the new fintechs and “Venmos” of the world.

Apr 02, 2021
Collin Campbell outlines tips for a better consumer experience within credit unions

Collin Campbell is one of the brightest minds when it comes to implementing strategic initiatives focused on Credit Unions, and he has some interesting points of view that are going to shift the way you see the overall member experience. 

When Collin started his career, it was in digital. Over the years he has found his place in the finance industry where he works as a strategic advisor for credit unions. In 2019, Collin collaborated with other partners and launched Detalus Strategy. In this episode of the Digital Banking podcast, Collin shares details about his journey with Detalus Strategy and provides perspectives on how credit unions of adapted over the last year.

In this episode, you’ll learn how people's understanding of organizations has changed from the '80s and what the future holds for credit unions. Collin also touches upon a member-centric strategy, and how to meet expectations and deliver the best services to your members by assessing their individual needs.  

Mar 19, 2021
The Importance of Personalized Digital Experience in the Finance Industry with Mickey Goldwasser

In this episode of Digital Banking Podcast, Josh DeTar discusses the development of payment technologies with his guest Mickey Goldwasser, VP of Marketing and Chief of Staff at Payrailz. Having been in the industry since he got out of college, he calls himself a lifelong FinTech. He selflessly shares with us his helpful insights on how to embrace technology and explore artificial intelligence.  

Mickey's goal at Payrailz is to create a smart payment experience that will satisfy the end customers. "Our focus is trying to re-imagine payments and to do so in a way that matches innovation." The topics that Mickey and Josh touch upon in this episode go beyond just financial services. From machine learning to digital relationships, they answer some burning industry questions. 

If you want to hear more about the importance of personalized customer experience, machine learning, and product marketing, tune in to the latest episode of the Digital Banking Podcast with Mickey Goldwasser. 

Mar 05, 2021
Sahil and Christian from George Washington University bring a young and fresh perspective on students’ finances and credit unions

Sahil Pankhaniya and Christian Trummer are two names that you should remember beyond doubt, if you haven't done it already, because of some incredible things that these guys are working on. They're both seniors at the George Washington University, and this is precisely where they first started thinking about Credit Union Initiative

When Sahil first started his studies at the George Washington University, he discovered that his classmates were running credit unions. He also found out that they were helping universities in one essential task – to combat a problem that students have a low financial literacy level. Because of that fact, they have a tough time during the college days and after they graduate to build a strong financial foundation. 

In 2021, Sahil and Christian hope to present a very lightweight suite of products, based on student needs. One thing will bring a fresh and young approach to this – the use of technology and finding as many niche service providers as possible to put them together for their tech system. Also, they're thinking about their future employees and how they will be able to interact with the system and learn fast. 

In this episode of the Digital Banking Podcast, Sahil and Christian are going to explain to us how this process started. From just a seed in their minds to an idea they could talk about out loud until this moment where they're almost launching it into the market. They're also going to give us a young generation’s perspective on finances and how the next money revolution should look. 

Feb 19, 2021
Numerica Credit Union Leads with Efficiency and a Member-First Digital Banking Culture

Is it possible to be pandemic-ready before one occurs? It was for Numerica Credit Union. 

Based in Spokane Valley, Washington, Numerica’s members-first operations had technological solutions in place to build on to better navigate COVID-19’s curveballs — that way, its 150,000 members could worry about one less thing. 

“Everything we do is all focused on enhancing our member’s lives, helping them fulfill their dreams and building the communities we serve,” says Numerica’s Senior Vice President Information Technology KayCee Murray, who’s worked at the credit union for nearly 20 years. 

From working in the IT department to business analytics, to project management to facilities, KayCee has extensive knowledge in Numerica’s robust set of financial products. It’s no surprise she’s a wizard at making members’ lives easier by employing the most efficient fintech to deliver and help them access services.

Before, during and after the pandemic, KayCee and her team are committed to doing the groundwork that leads to better processes and systems for digital banking, including account origination, money movement and more. 

On this episode of the Digital Banking Podcast, KayCee shares how Numerica tackles finding the balance between good user experiences and backend manual processes. She shares how Numerica educates its community on hackers and financial scams — plus, what the credit union plans to improve with its digital banking platforms. 

Jan 22, 2021
Innovating to Improve Lives of CU Members and Employees

Business Data Incorporated (BDI) customer relationship and sales expert, Brian Orta, discusses credit union (CU) industry learnings from the industry's adaptations and needs exposed during the 2020 coronavirus. Orta talks with Digital Banking Podcast Host, Josh DeTar about the unique challenges and opportunities the COVID-19 pandemic has generated for Credit Unions (CUs) to innovate methods for improving their customer and employee experience.

Brian provides perspective on the shared circumstance in which all industries across the global business sector are struggling to adapt during the pandemic. He provides exciting insights into specific problems and the potential range of innovative solutions in new business practices and technology applications in service environment. He examines the kinds of advancements in technology that are necessary for realizing meaningful small increases in service value as well as more extensive upgrades in systems and practices to meet rapidly changing consumer demands.

He further comments on adaptive approaches for CU professionals and external agents networking on behalf of CU support services and product vendors, during the current health and economic crisis and beyond it, as the industry continues on in the digital era. He offers observations, ideas, and recommendations for replacing traditional ways of networking during this time.

Brian encourages thinking about the role of technology to maximize opportunities for improving efficiencies of CU operations. He explains the need for CUs to optimize treatment of customer relationships in the digital sphere. He also surprisingly considers the benefits of a refreshing return to some "old-school" ways of networking and general communications online, as feasible during the pandemic and even in pre-digital-age modes, as practical again after the pandemic

Jan 08, 2021
Dutch Inspired Vision for Future Credit Union Service Models With Mike Tierney

Podcast guest Mike Tierney discusses with host Josh DeTar the contrasts between current and former conventional U.S. American financial institution service offerings and personal finance management practices compared with those in other cultures, such as in the Netherlands.

Tierney, participating in the interview via international telecom, discusses current and future creative concepts for the development of live and digital interactive programs for educating children and adults in effective personal finance management practices.

Mike goes on to offer a vision for the future of the credit union role in helping individuals consolidate their personal financial resources on a powerful unified management platform, complete with an exciting array of helpful digital tools. For example, he considers the usefulness of providing charts displaying data extracted from the user's various accounts, and analytics features generating status reports and other information auto-prompts triggered by variations in account balances, deviations from personal historical behavioral trends, etc.

The discussion goes on to explore inspirational concepts for helping individuals maintain a more consistent and meaningful focus on their financial position and goals, such as employing gamification, announcements of accomplishments, and symbolic digital awards for reaching set financial milestones, and others.

Dec 12, 2020
Building a Profitable Member-Centric Credit Union With Margarete Mucker of Star One

Chances are, you’ve heard of Star One Credit Union. It’s one of Silicon Valley’s largest member-owned financial institutions.

And because it’s surrounded by the Facebooks, Googles and Apples of this world, it has more than $10 billion in assets with less than 115,000 members. (Psstt… That’s pretty impressive.) It also has a 90% retention rate, thanks to its efforts to serve its members. (Psstt… Also pretty impressive.)

One of the leading forces behind this customer-centric culture is Margarete Mucker. She’s been with Star One Credit Union for more than 28 years. As the Executive Vice President of Operations, Margarete is constantly exploring new ways to meet member needs through remote services and digital banking channels.

Because Star One understands its clients have large amounts of money with multiple institutions — sometimes around the world — the credit union has focused its efforts on optimizing money movement. In fact, Star One was one of the first financial institutions to partner with Zelle, the digital payments network.

In this episode of the Digital Banking podcast, Margarete explains the importance of Star One’s member-centric approach and how it balances that with profitability. She also dives deep into the money-movement ecosystem and even gives us a glimpse at what initiatives she and the Star One team plan to focus on next. 

Nov 20, 2020
The Merging of FinTech and Credit Unions With Austin Wentzlaff of FinTech Accelerator

You might not immediately associate credit unions with fintech startups, but this intersection is Austin Wentzlaff’s passion — so much so he started his own business.

As the founder of FinTech Accelerator, Austin works with early-stage startups that provide tech solutions for credit unions. For instance, he’s working with a company called Illuma Labs, a voice-authentication solution built for credit unions. The idea is for credit unions to bypass those annoying security questions and better serve the needs — and wants — of customers.

He also works with a company called RenoFi, what he describes as a “HELOC on steroids.” It’s a lending solution that allows homeowners to borrow money based on the value of their post-renovation home.

In this episode of the Digital Banking podcast, Austin shares his insights into the world of credit unions and tech. He explains how voice authentication solutions could change the way credit unions interact with customers, and he emphasizes the important role technology plays in this space — and how it could help credit unions reclaim thousands of hours a year.

Nov 06, 2020
COVID-19’s Impact on Credit Unions and Industry Professionals

The abrupt cancellation of in-person industry gatherings has resulted in “a year of lost connections,” says Natasha Chilingerian, Credit Union Times’ Executive Editor.

A self-proclaimed grammar nerd who deals with words daily, Natasha has managed the news site’s print magazine and website content for the past five years. Even though she’s worked remotely for seven years, there are plenty of new learning curves to navigate in light of COVID-19 — namely, the inability to connect with a community. 

While the number of virtual events this year has increased to simulate the connectedness of in-person learning and networking, Natasha says it’s not the same. The chance to travel and explore new places with others “creates bonding and builds relationships with different colleagues you work with.”

Without that, what connects us now is how much more human we allow each other to be. 

In this episode of the Digital Banking podcast, Natasha shares her thoughts on the sustainability of virtual events — plus, what we’ve learned about them since the onset of COVID-19. She provides insight on the post-pandemic future of remote work for credit unions, how we can balance schedules and availability (hint: flexibility is key!) and how to create boundaries between work and home. 

Hear Natasha’s thoughts on these topics and more, like the actual timeline of converting to digital banking and her take on the role of physical credit union branches in a digitized landscape.

Oct 26, 2020
Why Credit Unions & Community Banks Need to Pair Digital Banking with Digital Marketing

Of the many important lessons the COVID-19 pandemic has taught us, don’t overlook this one: Digital marketing and communication strategies are key for any business, even those in the financial services industry.

On this episode of the Digital Banking podcast, Prisma Campaign’s Chief Revenue Officer Ianai Urwicz discusses how critical it is for financial institutions to keep up with the ever-evolving marketing landscape.

Ianai’s perspective is rich with culture and experience.  

Though born in Israel, Ianai moved to Latin America as a child and grew up mostly in Uruguay. He began his career in the telecom industry and worked for companies like AT&T and T-Mobile before eventually venturing into mobile payments and the FinTech ecosystem.

Now, Ianai serves as Chief Revenue Officer at Prisma Campaigns, the startup behind an agile omnichannel marketing tool specifically designed and engineered for financial institutions. Part of his work includes helping the company achieve its goal of creating the “Amazon experience while banking.” In other words, he works to leverage user data to create targeted campaigns across different marketing channels. 

Ideally, all financial institutions, including credit unions, should use data and modern marketing technology to predict and support their members — but creating personalized marketing campaigns comes with its fair share of challenges.  

Still, nothing is impossible.

Learn what approach financial institutions should lead with and how to create continuity across your digital and face-to-face messaging. Bonus: Find out how artificial intelligence can take your marketing campaigns to the next level. 

Sep 16, 2020
CUProdigy’s Community-Oriented Approach to Digital Banking for Credit Unions

Credit unions are uniquely able to create intimate relationships with members, especially in rural towns where access to critical resources is limited. 

A passionate advocate and CEO of CUProdigy, Amber Harsin understands that better than most. She’s committed much of her career to credit unions — she credits working in branch after high school with providing unique opportunities to discover her full potential.  

Now, she ensures CUProdigy, a core data processor vendor, can help credit unions empower the financial stability of their members through seamless multi-channel user experiences. 

Between navigating a global pandemic and a series of earthquakes, Amber’s first six months of her latest role with the Credit Union Service Organization (CUSO) have been a rollercoaster. 

Still, in this episode of the Digital Banking podcast with host and Tyfone’s VP of Sales and Marketing Josh DeTar, Amber shares her enthusiasm to help credit unions help others. 

Technology plays a significant role in supporting credit unions to change business models, so it’s important that providers modernize their core infrastructure and architecture.

And to get ahead of 2020’s ripple effects, credit unions should apply these tools to offer digital financial services in creative ways, like placing kiosks in local hubs to give the people-first experience they’re known for. 

During our conversation, Amber also tells the CUProdigy origin story, how the CUSO approaches servicing credit unions and what would happen if community banks disappeared from small towns.

Plus, how can credit unions differentiate themselves from competing conglomerates that cash in on convenience?

Sep 15, 2020
Digital Banking Pivots at the Credit Union of Colorado

As the digital space rapidly evolves, can credit unions access technology providers to fortify the journey forward? 

In the premiere episode of the Digital Banking podcast, host and Tyfone’s VP of Sales and Marketing Josh DeTar welcomes Mitch Rosenbaum and Lisa Mixon from the Credit Union of Colorado.

As the credit union's Director of Project Management, Lisa has enjoyed learning everything about the industry over the last 10 years, especially the parts where she gets to connect with people and hear about their sides of the business. 

While her role is to assure everyone’s voice is heard and communication is clear across teams, Mitch, on the other hand, helps the credit union create messaging — and ensures they deliver on it.

Though new to the credit union business, Mitch’s background in engineering psychology and marketing is useful as the Credit Union of Colorado aims to meet the developments of technology to create smoother digital banking experiences through artificial intelligence (AI). 

In this discussion about credit unions in the digital space, Lisa and Mitch provide insight into their process of pivoting their online experience, which Mitch says is partly, “measurement and understanding what our members are doing on those systems and where their pain points are.”

Plus, they explain what it’s like to maintain company culture remotely (and during a pandemic), the middleware that will allow them to implement new technologies, the four phases of sophistication of AI and much more.

Sep 15, 2020