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This is the official Finopotamus podcast. It focuses on credit unions and how they have leveraged technology to solve problems, enhance the member experience and drive growth. TechSolutions4CUs features working credit union technologists, as well as industry experts from around the globe.
22 Episodes
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The term "big data" is nearly 30 years old. And throughout those 30 years, credit unions have been lectured to, schooled on, and advised about the tremendous treasure trove of data they have locked in their various computer systems. Yet, to this day, turning all this data into actionable initiatives remains a challenge. While artificial intelligence is no silver bullet, it can help credit unions take a giant step forward in making use of all that data. Our guest on this episode, Mitch R...
AI-powered chatbots are great for member self-service, but they "can't sell sh!t." That's according to Appli CEO and co-founder Tim Pranger. This sad state of affairs was the impetus behind the creation of Appli, a suite of smart financial calculators designed to drive member engagement. In this episode of TechSolutions4CUs, Tim explains some of the finer points of Appli, while sharing some of the insights he's gained over his first 20 years in fintech.
This episode of TechSolutions4CUs features host John San Filippo interviewing CU Lift Fund's President Paul Rindone about LIFT's FastPass platform, a new solution for credit unions to increase their auto loan volume. Rindone explains that credit unions struggle to compete with dealerships’ in-house financing, resulting in members often choosing the path of least resistance even if they prefer their credit union. FastPass aims to solve this problem by creating a "hybrid channel," combini...
According to Jain, the primary challenges credit unions face with outdated loan origination systems boil down to three main issues: Integration difficultiesMember experienceCost Older systems struggle to integrate with modern application program interfaces (APIs) and services like Plaid, fraud detection tools, and alternative data sources. This lack of integration slows down loan processing, increases manual work, and frustrates members, especially younger, tech-savvy Gen Z members...
Exactly what is open banking? Is it just another pain in your regulatory butt? Is it an existential threat as you watch your precious data flow out the door to destinations you don’t control? Or is it a tremendous opportunity to provide your members with innovative new services that were simply impossible before? The answer, as you may have guessed, is all three. The good news is that the opportunities for open banking far outweigh the negatives. That the opinion of our guest today, V...
If your credit union makes auto loans, do you offer a fully insured, residual-based, walk-away balloon loan? Do you even know what a fully insured, residual-based, walk-away balloon loan is? If you answered no to either question, this episode of TechSolutions4CUs is for you. In this episode, Auto Financial Group's President Tim Kelly explains: Why these loans offer your members the lowest possible payments of any financing product, including leasing.How these loans can be used for both new an...
It's easy to fool ourselves into thinking the whole world has gone digital. That means it's easy to lose sight of the tremendous impact check and document fraud can have on your credit union. The truth is, check fraud is on the rise. That means credit unions must be more vigilant than ever and deploy technology more wisely than ever to fight this seemingly never-ending battle. In this episode, host John San Filippo and Parascript's Vice President of Business Development Ati Azemoun discuss t...
If you're trying to boost your GenAI smarts, this is a must-listen episode. First, host John San Filippo and Hapax's Kevin Green take a deep dive into the Hapax platform, a SaaS-based GenAI tool designed to organize any and all information your employees may need to do their jobs. Green claims this can save hours of research time per week per employee, compared to forcing your employees to struggle through a legacy knowledgebase system. Green walks you through a number of compelling use cases...
It’s been estimated that as many as 30% of what appear to be standard retail member accounts are in fact small business accounts in disguise. That’s an amazing figure and it represents only portion of the potential small business opportunity that awaits savvy credit unions. It only makes sense that the more business services you provide, the more business members you can attract and, in turn, the better you can serve your community. Of course, the trickiest part of serving small businesses is...
Some are old enough to remember when a personalized banking experience was chatting with your favorite MSR as you deposited your paycheck every Friday afternoon. Today, fewer and fewer members are visiting a branch, instead opting for all-digital banking. So how do you create a personalized experience for those digital members? Amy McGraw, Tropical Financial Credit Union's Chief Experience Officer, has the answer. She uses OneClick Financial from Reseda Group to achieve truly personalized dig...
Jack Henry recently published its sixth annual Strategy Benchmark, a survey of bank and credit union CEOs whose institutions run one of Jack Henry's core processing platforms. TechSolutions4CUs host John San Filippo had the opportunity to speak with Jack Henry's Senior Director of Corporate Strategy Lee Wetherington prior to publication of the Benchmark results to preview some of its findings. However, the Benchmark served more as a jumping-off point for the conversation, which explored gener...
If you look at the evolution of payments, it's always been about faster and cheaper. This past July, payments got a lot faster and a lot cheaper when the Fed introduced its FedNow instant payment service. Unlike Zelle, FedNow transactions settle instantly. And unlike RTP, the FedNow service is intended for institutions of all sizes, not just the mega banks. The question is: Where and how does your credit union get started on its FedNow journey? To help credit unions sort it all out, our fri...
Over the past three years, Reseda Group has established itself if the premier fintech investment CUSO. Reseda portfolio companies benefit not only from the financial resources the CUSO provides; they enjoy the invaluable experience of seeing their product tested and deployed at Michigan State Federal Credit Union. In this episode, host John San Filippo speaks with Sara Dolan, MSUFCU's CFO, and Ben Maxim, Reseda Group's COO, about how the CUSO evaluates the technology, the finances and the cu...
Growing your credit union has long been an exercise in thinking big. Offer as many products and services as possible. Get as big a charter as possible. Cast as wide a net as possible. Today, however, more and more credit unions are growing by thinking smaller, launching all-digital sub-brands targeted to very specific market segments. Our guest today is Michael Duncan, CEO of digital banking provider Bankjoy. The topic is creating niche digital sub-brands and how Bankjoy can help your...
Reseda Group is a wholly owned fintech investment CUSO of Michigan State Federal Credit Union. Reseda only invests in companies/products that are or will be deployed at the credit union. As such, companies that receive a Reseda investment get much more than money; they get the assurance that their solutions will be rigorously tested and implemented in a large, technologically sophisticated credit union. In this episode of TechSolutions4CUs, Iceman and Maxim explain to host John San Filippo h...
The decision to subject your credit union to a core conversion is never an easy one. But sometimes that decision is made for you -- for example, when your core provider announces that the platform you're on is being sunsetted. It may be easier to just migrate to another core from the same provider. However, easier doesn't necessarily mean better. No matter what, your credit union will have to endure a conversion. So what better time to carefully consider all your options? Such was the case w...
In this episode of TechSolutions4CUs, host John San Filippo talks with Gina Ramos, SVP and COO at $140 million Tulare County Federal Credit Union, about her credit union's journey to find and deploy a new core data processing platform. Topics include: Why Tulare County FCU decided to go shoppingWhat the search process looked likeWhy the credit union ultimately chose Jack Henry's Symitar platformThe pros and cons of using consultantsManaging core and digital banking conversions at the same tim...
In this episode of TechSolutions4CUs, host John San Filippo talks with credit union technology veteran KayCee Murray, SVP of Information Technology at Numerica Credit Union, about Numerica's journey to find and deploy a new digital banking platform. Topics include: Why Numerica decided to go shoppingWhat the search process looked likeWhy Numerica ultimately chose Tyfone's nFinia platformThe ups and downs of the implementationHow Numerica measures successWorking with Tyfone as a partnerLessons...
For at least a couple of decades, credit unions have been told about the treasure trove of data they’re sitting on. Yet, many still struggle with how to make that data actionable. Now there are more and more rumblings about mixing so-called alternative data into the recipe. That may seem a little scary to some. On a seemingly separate track, there’s never been more emphasis on financial inclusion than there is today. Finally, we can’t forget the artificial intelligence elephant in the room. A...
In the early days of credit union marketing, it was all "spray and pray." Send the same message to everybody and hope for the best. Then we took a giant step forward with target marketing, which allows credit unions to segment their members into smaller groups, and thus target them with more relevant messages. However, in 2024, consumers expect every experience to be personalized. Some might even say hyper-personalized. That's where a company called Pulsate comes in. They've created an engage...
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