Episodes

The more banks lend, the better they do and the broader their customer base becomes. With AI & ML, banks can lend to a larger set of customers — those who are perceived as high risk — with a greater level of certainty that th...

For a long time, banks didn't fully understand the value fintechs provide. As partnerships with fintechs have grown, banks are experiencing that value firsthand, and they've also discovered an economic model that is a win-win...

The community reinvestment act (CRA) is a decades-old law requiring banks to meet the credit needs of their community, but with all the changes that have taken place in banking over the last 10 years, how can FIs can partner ...

Customer needs are changing, and along with them, borrowing behaviors. How does this impact consumer lending and banking? Rich Longo, Investor and Growth Advisor at Nxtsoft, joins the show to share his insights into the trends that are reshaping the...

In traditional finance, the system runs on a centralized infrastructure and the burden of trust falls on people. In decentralized finance (DeFi), the burden of trust falls on smart contracts and on code. According to today’s ...

We've talked about AI a lot on this show, but we’ve never explained what it is exactly. In this first part of a series of episodes explaining AI, we’re going back to the basics. Host Jeff Keltner, Senior Vice President of Business Development at...

Banks can no longer afford to play it safe when it comes to their digital capabilities. “Safe” is now risky. That’s why, in this episode, Tony Hejna, EVP, Consumer Bank Chief Credit Officer at KeyBank, joins the show to share the secrets behind...

Financial institutions, particularly community banks, are experiencing a paradigm shift in the architecture of banking. While the idea of stitching together the banking experience has always been present, we’re finally seeing...

How we grow digitally and use aids such as AI to accelerate current processes have been hot topics in the finance space for a while. And through the conversations we’ve had on Leaders in Lending, we’ve gained some invaluable ...

Only 82% of the US population can be scored using conventional credit scores. That unscorable 18% is overwhelmingly comprised of marginalized communities—and that extreme disparity is unacceptable in this day and age. However...

Connecting with new and existing customers for financial institutions has been a challenge to execute. But with so much opportunity, it’s something financial institutions can’t afford to miss out on. We speak with Jonathan Ga...

Banking is changing. The industry is at a transformation point. Consumers by and large have shown that they are ready to conduct their banking online. And the events of the last year have only accelerated this trend. In this ...

In the modern world, financial institutions are looking to strike a delicate balance between offering consumers easy transactional interactions online and offering more relational services by phone or in person. The banks an...

Building trust and loyalty in the digital age is an ongoing challenge many businesses face. The question always comes down to: What investments should you be making to enable a digital experience that will leave your customers wanting more? Jeff...

As community-based institutions, credit unions are well positioned to truly understand the unique needs of their members. With digital platforms and evolving technologies transforming the landscape, credit union leaders have ...

Digital-only banks face a particular challenge: How do you create that human touch without having the physical human touch? As a branchless entity, Axos Bank has been tackling this tricky problem for the last 20 years. Anthony Capizzano, the...

Cash is up and loan demand is down.One way to navigate this challenge is by driving demand through personalized marketing. Personalization is especially effective for credit unions. After all, as community-based organizations...

The old paradigm in banking involved developing a product and turning to life-stage marketing to sell that product to customers. But that paradigm is evolving. Financial Institutions are identifying customer needs and providi...

Around 15 years ago, non-bank financials had about 20% of the share of mortgage originations. Today, they have over 60% of the share. Why? It’s because they are 100% focused on the quality of the experience. That’s exactly wh...

Around the time of the Great Recession, there weren’t many lenders originating educational loans. Most of them had exited the business because of the volatility of the market. This void opened up the perfect opportunity for c...

Credit Union National Association , or CUNA, represents 5,000 credit unions in the United States serving more than 120 million americans. In partnership with a network of state credit union leagues and associations, CUNA advo...

Throughout history, most financial institutions have viewed loans as commodity products. Pricing and distribution — the economics of the selling model — have been the primary differentiators when bringing loan products to mar...

It’s tough for smaller credit unions to compete in a digital transformation world. Most of the time, they just don’t have the IT budgets to play in that space. But with the help of credit union service organizations, or CUSOs...

No matter how many shiny advertisements fintechs put out, it would be a mistake to confuse them for omens marking the end of traditional financial institutions like credit unions. Credit unions have been building something fo...