In an ever-changing industry with evolving rules and regulations, it is vital to have a well-oiled compliance rules engine. That is, at least, what Kevin Hart would say. The latest Financial Experience Podcast guest is the CEO of Green Check Verified, a company that has modernized how cannabis businesses and financial institutions work together.

Joe explains the three-step process that entails collecting data, creating data insights, and taking action. If organizations cannot continue through to the latest step of action, they will be unable to create value. He explains the significance of simplifying your audience and breaking down goals into smaller increments to drive outcomes.

The core values of SECU Credit Union are based on the philosophy of people helping people and giving back to the community. In order to strengthen these values, SECU created a foundation to build a stronger Maryland. Sarah Ryan joins the Financial Experience Podcast to discuss the foundation’s broad impact on education, health and wellness, and community development.

Alpa emphasizes that Experian’s team is continuously searching for novel ways to use data. In the future, she is excited for more opportunities to provide lenders with the data they need to fully evaluate a consumer’s position and involved risk. Consequently, Alpa is looking forward to see more consumers take the driver’s seat in their credit journey.

When community banks look at their customer bases closely, it’s amazing where insights can lead. ZSuite Technologies, which was born out of a $2 billion asset community bank based in the Greater Boston area, started by addressing the pain that property managers felt in the collection of rent. And as these in-house tools were proven, new opportunities emerged around escrow management.

Community banks and credit unions face a continuous onslaught of noise surrounding the latest transformative digital solutions, but Nymbus has set a course to do business differently. Jeffery Kendall, appointed CEO of Nymbus in 2020, joined the podcast to talk about his philosophy as a technology provider and where he sees the greatest opportunities for banks and credit unions.

Through the use of fintech apps and partnerships between tech companies and financial institutions, people are being introduced to more personal financial management tools. Dov says that “financial wellness should not be on autopilot,” and through the use of embedded finance, investment and financial wellness tools can be integrated into our daily lives.

Nikkee Rhody joins Hunter to detail her 20+ year banking background and her role in the foundation of a fintech accelerator. Falls Fintech is a 12-week program based in Sioux Falls, South Dakota for early-stage financial technology startups. In an unusual year, the Falls Fintech team had to pivot to help their founder community deal with not only the typical challenges of starting a new company, but the weight of doing so in the most unconventional of years.

Kreighton Reed joins The Financial Experience Podcast to discuss his journey at Solera National Bank, a community bank in the Denver metropolitan area. Solera Bank is not your “typical” community bank. It was founded in 2007, is nationally-charted, and from its conception, the bank’s focus was on efficiency. They decided to cut out retail banking and hone in on the niche market of self-directed IRAs and 401(k) plans.

Cokie joins the podcast and explains the interesting comparison between the financial services industry and our favorite comfort foods. She discovered America’s banking infrastructure to look like a mess of spaghetti, one that is routed the wrong way with a foundation based on social and economic inequalities. Cokie’s goal is to make an infrastructure resembling a stacked lasagna, and this idea led to Cokie founding the first Banking-as-a-Service consultancy in the United States.

On the latest episode of The Financial Experience Podcast, Hunter and Kelsey discuss the transforming relationship between banks and fintechs, as well as what the future holds for the success of these partnerships. She says that fintechs are now being viewed as “Lego blocks,” and serve an important role in the building of a bank. Neocova’s focus is on rebuilding, not replacing, what a bank needs to run efficiently and securely.

How can one find the right borrower-lender relationship in the most efficient way? Accessing capital has never been easier in today’s digital marketplace, but the explosion of choices doesn’t mean businesses are getting the right capital. Mike Rozman joined The Financial Experience Podcast and discussed the evolution of BoeFly, a business financing marketplace, the franchisor lending model, and the unique impact COVID-19 had on the business.

How does a 100+ year-old community bank based in Cedar Falls, Iowa become a national leader in the emerging “banking as a service” model for partnering with fintechs? Mike McCrary, a longtime banker and fintech fanatic saw the opportunity when others saw fintech as a threat.

“Digital transformation” is a phrase de jour right now and, as is the case with any overused phrase, it’s lost some of its meaning amidst the punditry. But James Robert understands the definition and what it means to be an organization focused on “digital growth.”

As a commercial banker, you can’t just a be “a conduit to cash,” Greg, a longtime lender and small business advisor, reminded bankers on our recent podcast. But it’s tough not to fall into that vacuum. We live in a financial world where options are aplenty and credit is becoming commoditized