The Purposeful Banker

As stablecoins move from industry debate to practical planning, Alex Treece of Stablecore joins the podcast to explore what banks should be doing now to prepare responsibly and what strategic, operational, and compliance questions matter most as digital assets evolve as a payment rail. Related Links [Blog] The Value of Digital Assets in Commercial Banking [LinkedIn] Alex Treece [Website] Stablecore

Nick Koutouras, leader of Q2's Relationship Pricing and Profitability team, explains why bank silos persist even with aligned teams: because the "shared math" arrives too late. Learn how relationship-level economics, the four seasons of banking, and delivery-to-promise reviews help leaders prevent drift and make better decisions. Related Links [LinkedIn] Nicholas Koutouras [Blog] Q2.com  [Podcast] Take the Emotion Out of Relationship Management

Todd Klapprodt joins the podcast to provide a practical primer on stablecoins, tokenized deposits, and other digital assets—what they are, why commercial banking is paying attention, and how financial institutions can explore use cases safely. Related Link [LinkedIn] Todd Klapprodt https://www.linkedin.com/in/tklapprodt/ 

Digital banking in 2026 is shaping up to be an efficiency race driven by ERP connectivity, instant payments, and the shift toward small business "hub" experiences. In this episode, Debbie Smart previews what the 2026 State of Commercial Banking reveals about where AI is becoming practical, why integration is the real battleground, and what banks need to deliver to stay primary in the relationship. Related Links [Webinar] 2026 State of Commercial Banking https://event.on24.com/wcc/r/5161232/8BB4637FACD9F95388E41F4A3B668E53  [LinkedIn] Debbie Smart https://www.linkedin.com/in/debbiesmart/ 

 In this episode of The Purposeful Banker, Jim Young sits down with Anna-Fay Lohn for a quick preview of the State of Commercial Banking analysis based on 2025 Q2 PrecisionLender data. They unpack the liquidity rebound, shifting deposit dynamics, accelerating pricing activity, spread compression, and what fixed-rate roll-offs mean for margins heading into 2026. Related Links [Webinar Registration] 1 p.m. February 10, 2026 State of Commercial Banking [Blog] Monthly Commercial Loan and Deposit Pricing Market Updates [LinkedIn] Anna-Fay Lohn

This episode features a replay of a Q2 webinar exploring how financial institutions can turn fraud strategy into a competitive edge by using connected fraud intelligence to spot risk earlier, move faster than attackers, protect account holders in real time, and actually improve the digital experience along the way. [LinkedIn] Jeff Scott [LinkedIn] Ben Cash [On-Demand Webinar] Building Trust, Not Friction: The Future of Fraud Prevention [Website] Fraud Intelligence [Survey] q2.com/podsurvey 

This replay of a recent panel discussion focuses on what separates top-performing banks from the rest. Hear how leading institutions are driving durable growth in commercial banking, elevating treasury management as a strategic engine, using real customer research to redesign small business offerings, and building cultures that attract top talent while accelerating digital innovation. Related Links [LinkedIn] Kirk Coleman [LinkedIn] Alison Townsend [LinkedIn] Nate Dube [LinkedIn] Brittany Adams [On-Demand Panel Discussion] Lessons From America's Top-Performing Banks [Survey] q2.com/podsurvey

At Q2's Dev Days 2025, CTO Adam Blue challenged attendees to see AI as art, not automation. In this episode, he joins The Purposeful Banker to explore creativity, orchestration, and how financial institutions, developers, and communities can harness AI to build the future together. Related links: [Blog] Smarter Support Starts With AI https://www.q2.com/blog/smarter-support-starts-with-ai  [Blog] Going Beyond Chat to Bring a Human Touch to Digital Banking https://www.q2.com/blog/going-beyond-chat-to-bring-a-human-touch-to-digital-banking  [Blog] What If You Could Code Without Coding? https://www.q2.com/blog/what-if-you-could-code-without-coding  [Blog] Turning Partnerships Into a Living AI Ecosystem https://www.q2.com/blog/turning-partnerships-into-a-living-ai-ecosystem  [Website] AI for Everyone | Q2 https://www.q2.com/ai-for-everyone  [LinkedIn] Adam Blue https://www.linkedin.com/in/adam-blue-537810/  

Gen Z is redefining loyalty, purpose, and primacy in banking, and fintechs are leading the charge in creating experiences that resonate with the Gen Z audience. In this episode, Spiral CEO Shawn Melamed joins The Purposeful Banker to share a fintech playbook that helps banks and credit unions attract and engage Gen Z through gamified, purpose-driven experiences that grow deposits, deepen relationships, and make banking feel personal. Related links: [Website] Spiral | Grow Deposits and Engage With Impact [LinkedIn] (8) Shawn Melamed | LinkedIn [Survey] q2.com/podsurvey [Transcript] https://hub.q2.com/resources/col/pf/inside-gen-z-a-fintech-playbook

Fraud is evolving fast, and so must the ways financial institutions fight it. In this episode of The Purposeful Banker, Jeff Scott, Q2's VP of Fraudtech Solutions, discusses "Fraud Intelligence," a smarter, trust-first approach to fraud prevention. We explore how financial institutions can build trust without adding friction, the "See It, Stop It, Solve It" framework, and how AI fits into the future of fighting fraud. Related Links: [Webinar] Building Trust, Not Friction: The Future of Fraud Prevention [Ebook] Fraud Intelligence: Build Trust, Not Friction [Website] Fraud Intelligence [Website] AI for Everyone [LinkedIn] Jeff Scott [Survey] q2.com/podsurvey

How financial institutions can best serve Gen Z accountholders is a popular topic in the industry. In this episode of The Purposeful Banker, we look past the buzz to unpack the data about this segment and talk about the gaps between expectations and behavior. Related Links [Podcast] Inside Gen Z: Lessons in Loyalty https://hub.q2.com/resources/col/pf/inside-gen-z-lessons-in-loyalty [Survey] q2.com/podsurvey https://qtwo.co1.qualtrics.com/jfe/form/SV_eWd84WStnuoZSXY

This episode of The Purposeful Banker podcast is one in a series of episodes focused on better understanding Gen Z consumers and business owners. In this replay of our "Lessons in Loyalty" panel discussion, three Gen Z consumers unpack the multibank mindset, the importance of personalization, the digital-branch balance, incentives, and the role of education in trust. Related Links: [On-Demand Panel Replay] Lessons in Loyalty: A Live Q&A With Gen Z Consumers https://hub.q2.com/resources/col/pf/lessons-in-loyalty [LinkedIn] Stacy Armijo https://www.linkedin.com/in/stacyarmijo/ [LinkedIn] Stuart Featherston https://www.linkedin.com/in/stuart-featherston-3170745/

Commercial banking runs on relationships, but too often, "gut feel" drives decisions and muddies results. In this episode, Q2's new VP of Product Management, Nick Koutouras, shares how to take the emotion out of relationship management without losing the human touch. We dig into a simple, repeatable operating rhythm—account planning, pricing, measurement, and stakeholder readouts—that builds consistency, confidence, and better outcomes for bankers and leaders alike. Related Links: Nick's LinkedIn: (16) Nicholas Koutouras | LinkedIn [Blog] Commercial Loan and Deposit Pricing Market Update: August 2025 https://hub.q2.com/resources/col/pf/commercial-loan-and-deposit-pricing-market-update-august-2025 [Blog] Commercial Banking Leaders: Becoming a Smarter Bank Requires Smarter Pricing https://hub.q2.com/resources/col/pf/commercial-banking-leaders-becoming-a-smarter-bank-requires-smarter-pricing [Website] Q2 Relationship Pricing and Profitability https://www.q2.com/products/relationship-pricing-and-profitability

Small business owners rely on digital tools to run their businesses, but how does their banking experience measure up? In this episode, hear real-world stories from business owners with diverse needs as they describe their experiences and challenges, and hear from financial institutions that are taking these needs to heart. Related Links [Blog] Small Business Tools, Tactics, and Transformation https://hub.q2.com/resources/col/pf/small-business-tools-tactics-and-transformation?pflpid=61254&pfsid=62E2iBv4Jj [On-Demand Webinar] Why and How to Become the Business Hub for Your SMB Customers https://hub.q2.com/resources/col/pf/why-and-how-to-become-the-business-hub-for-your-smb-customers-2?pflpid=61254&pfsid=62E2iBv4Jj [LinkedIn] Ben Cash https://www.linkedin.com/in/ben-cash-03312292/ [LinkedIn] Katrina Leach https://www.linkedin.com/in/katrinaleachufcu/ [LinkedIn] Shon Cass https://www.linkedin.com/in/scasstsb/ [LinkedIn] Thomas Eorgan https://www.linkedin.com/in/thomaseorgan/

In this episode of The Purposeful Banker, Corey Gross from Q2 and Louann Habenicht from Susser Bank discuss how AI is being used to battle the ongoing check fraud problem. They walk through how positive pay has evolved, how machine learning fits into the process, and what it takes to build not just a tool, but a broader fraud prevention strategy that actually works in the real world. Related Links [Website] Q2 positive pay solution https://www.q2.com/products/risk-and-fraud-management/positive-pay-and-account-reconciliation [LinkedIn] Corey Gross https://www.linkedin.com/in/coreygross/  [LinkedIn] Louann Habenicht https://www.linkedin.com/in/louann-habenicht-55392717/  [Survey] q2.com/podsurvey https://qtwo.co1.qualtrics.com/jfe/form/SV_eWd84WStnuoZSXY 

Most banks know they should revisit their treasury pricing annually—but few actually do. Why? Because the process is so complex, manual, and error-prone that it often gets pushed aside. In this episode of The Purposeful Banker, we talk with Todd Klapprodt from Q2 about the real cost of doing nothing, why annual repricing is more strategic than you think, and how automation can unlock both efficiency and growth. Related Links [LinkedIn} Todd Klapprodt https://www.linkedin.com/in/tklapprodt/ [Website] Q2 PrecisionLender https://www.q2.com/products/relationship-pricing-and-profitability

What if we could digitize the end-to-end journey for small businesses? What would that look like, and what would we need to take into consideration? This panel discussion from the CONNECT 25 customer conference tackled that question and revealed some big opportunities to serve this segment better. Related links: [Blog] https://hub.q2.com/blog/serving-small-businesses-starts-with-listening-to-them [LinkedIn] Dean Jenkins https://www.linkedin.com/in/dean-jenkins-4b69438/  [LinkedIn] Deidre Barret https://www.linkedin.com/in/diedre-barret-75a77110/  [LinkedIn] Ryan Hill https://www.linkedin.com/in/ryanbhill/  [LinkedIn] Kevin Miyamoto https://www.linkedin.com/in/kevinmiyamoto/  [Survey] q2.com/podsurvey https://qtwo.co1.qualtrics.com/jfe/form/SV_eWd84WStnuoZSXY

What do upper middle market and large corporate clients really need from their financial institutions? Get the inside scoop from industry experts and banking leaders as they draw from recent research and real-world experiences to discuss market trends, competitive dynamics, and the evolving expectations of sophisticated commercial clients. Related Links [Blog] Leveraging the Power Trio of Serving Large Commercial Clients https://hub.q2.com/blog/leveraging-the-power-trio-of-serving-large-commercial-clients Dean's LinkedIn: https://www.linkedin.com/in/dean-jenkins-4b69438/ Christine's LinkedIn: https://www.linkedin.com/in/christine-barry-2852351/ Alan's LinkedIn: https://www.linkedin.com/in/koenigsberg/ Chad's LinkedIn: https://www.linkedin.com/in/chadparramore/ Rob's LinkedIn: https://www.linkedin.com/in/rob-n-5642541a2/

Hey listeners! Take our podcast survey to help us choose the content and conversations you'll find most beneficial. Only 10 questions: q2.com/podsurvey In this episode, John Min, chief economist at Monex USA, joins the podcast to talk about how community banks are missing out on an opportunity to strengthen business relationships while impacting the bottom line by not offering foreign exchange services. Related Links: Q2 Innovation Studio: https://www.q2.com/products/digital-banking/innovation-studio Monex: https://monexusa.com John's LinkedIn: https://www.linkedin.com/in/john-min-4941634/