Episodes

  • Creating Dynamic Personal Banking Experiences at Scale

    Creating Dynamic Personal Banking Experiences at Scale
    Jan 8 2025
    According to recent Q2 research, 74% of people across generations want more personal banking experiences, and 70% trust their financial institutions to create those experiences using data and AI. Yet, many banks and credit unions struggle to deliver the level of personalization consumers expect from their digital experiences. 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.
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    50 mins
  • How to Close the Digital Maturity Gap in Business Banking

    How to Close the Digital Maturity Gap in Business Banking
    Jan 7 2025
    The recently released Business Banking Digital Maturity Report provides unprecedented insights into how financial institutions transform their business banking capabilities for a digital future. This research is unique because it goes beyond measuring digital capabilities to examine the culture, talent strategies, and operational models that separate leaders from followers. In this episode of Banking Transformed, Allison Cerra, the marketing director 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.
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    52 mins
  • Crafting Unique Business Banking Experiences

    Crafting Unique Business Banking Experiences
    Dec 24 2024
    Mid-sized financial institutions face unprecedented challenges. They must compete with larger banks that have massive technology budgets and nimble fintechs that can quickly deploy innovative solutions. The pressure to deliver sophisticated products and seamless digital experiences while maintaining the personalized service that distinguishes regional banks has never been greater. 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.
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    48 mins
  • Payments and Embedded Finance Evolution: The Citi Experience

    Payments and Embedded Finance Evolution: The Citi Experience
    Dec 17 2024
    Embedded financial products and flexible payment solutions are reshaping how consumers interact with banking services. As commerce increasingly shifts toward integrated experiences, the ability to seamlessly embed financial services — from buy-now-pay-later options to comprehensive lending solutions — directly into the purchase journey has become critical for merchants and financial institutions. 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.
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    40 mins
  • Desire for Data-Driven Personalization Unites Demographic Segments

    Desire for Data-Driven Personalization Unites Demographic Segments
    Dec 11 2024
    Today on the Banking Transformed podcast, we’re joined by Jaime Dominguez, Principal Product Marketer at Q2, to discuss their groundbreaking report on cross-generational banking preferences. This study, conducted in partnership with Harris Research, offers crucial insights into how financial institutions can deliver personalized experiences across different age groups. 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.
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    47 mins
  • Banking 2025: Digital Revolution Meets Economic Reality

    Banking 2025: Digital Revolution Meets Economic Reality
    Dec 10 2024
    Traditional financial institutions are rapidly evolving in response to technological innovation, changing consumer expectations, and economic uncertainties. From the rise of digital-first banking solutions to the decline of cash transactions, from embedded financial services to the emergence of digital currencies, the very foundation of banking is being reshaped. 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.
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    37 mins
  • Building an Award-Winning Mobile Banking Experience

    Building an Award-Winning Mobile Banking Experience
    Dec 5 2024
    Digital banking success hinges on more than lists of features and technological capabilities. First principles thinking in banking design starts with the fundamental question: What do users truly need to accomplish their financial goals? This approach, combined with rigorous user-centric design, has revolutionized how financial institutions deliver digital experiences. 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.
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    31 mins
  • Banking 2025: Industry Experts Map the Path Forward

    Banking 2025: Industry Experts Map the Path Forward
    Dec 3 2024
    Traditional financial institutions face mounting pressure from fintech disruptors, big tech companies, and evolving regulatory frameworks. The rise of Banking-as-a-Service (BaaS) platforms, embedded finance solutions, and AI-driven services fundamentally alters how financial products are delivered and consumed. 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.
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    55 mins