I had the privilege of joining a panel at the FinAI conference in Denver this week, and I want to share a few of the opinions I brought on stage with me. I'm calling them opinions deliberately, because too much of the AI conversation in banking right now is hedged, cautious, and waiting for someone else to go first. So in the spirit of our consortium's principle that data beats opinions but action beats talk, I'm going to be direct. Stop waiting for perfect data.  This is the most common...

Knowing you need to change and knowing how to change are different challenges. Based on banks that have successfully made this transition, here's the playbook.

The question for community banks isn't whether to charge for services. It's how to earn the right to charge for them. 

The two-day workshop brought together product, innovation, strategy, and line-of-business leaders from across the country to accelerate their transformation from project-based execution to true product leadership. A central theme of the event: winning banks aren’t stuck debating build vs. buy—they're forming smart partnerships and treating them like product lines, not vendor contracts.  

While broad trends may provide stability, they often lead to incremental improvements rather than true differentiation