Podcasts about Fis

Even with the year-long purge of long-standing federal government agencies, the Consumer Financial Protection Bureau still stands as a bulwark for people who seek information and resources in their dealings with financial institutions. On this episode, James 'Jim” McCarthy of McCarthy Hatch shares about his days getting the bureau off the ground—and how his company utilizes real-time risk prediction for the consumer financial industry to smooth the path for consumers and FIs to achieve positive complaint resolutions.

Mika and Jimmy sit down with Norwegian ski legend Jan Thomas Jenssen for a chat filled with wild stories, laughs, and some honest talk about life on and off the race circuit.If you've ever wondered what really goes on inside the Norwegian ski team, you're in for a treat. Jan Thomas Jenssen shares everything—from his nerves about speaking English while knowing the whole national team is listening, to the chaos and embarrassment of the last World Ski Championships and how difficult it is finding new sponsors.There's plenty of banter about pranks (including one with a questionable “machine”), tales from growing up on a farm, and some surprisingly relatable details about trying (and failing) to catch fish and handle pre-race nerves. You'll also hear about training routines, dream jobs, and even a story about splitting his pants while dancing on Norway's national day.This episode is loaded with good vibes, unscripted moments, and the real personalities behind Nordic skiing. Whether you're a die-hard fan or just looking for a laugh, you won't want to miss this one!

Exclusive $35 off Carver Mat at https://on.auraframes.com/SCB. Promo Code SCB Go to http://factormeals.com/jvsb50off and use code jvsb50off to get 50% off your first box, plus Free Breakfast for 1 Year. Today J and Ben face off once more to find out who knows more about Harry Potter and the Half-blood Prince!  The twist is they can actually look up answers in the book… if they can find it within 30 seconds.. Hope the Quiz Masters were nice… Play Along With Us :: https://supercarlinbrothers.com/j-vs-ben-max-difficulty-half-blood-prince-open-book-quiz/ Thanks to our Quiz Masters: Oryan's Wizard Parts, Crafty Liz, LawNinja, MaddstheHatter, CJ, Teagan Steffen, Jordan Shefsky, Bradferd, Elfish Princess and Sam Shunpike, Teghan-Denlinger, Annalee, Dorian R, GooeyChewie, Fis, magicalmisfires and Tara Walker #HarryPotter #SuperCarlinBrothers  Written by: J & Ben Carlin Edited by: Ethan Edghill

Mika and Jimmy are joined by Finnish sprint star Jasmi Joensuu, and let's just say her story is not your average “Scandinavian skier crushing the World Cup” narrative.We get into everything with Jasmi: why she took the unusual route and raced college in the U.S. instead of sticking to the typical Nordic system, how she balanced studying finance and marketing with serious training (plus a little college partying), and the wild journey back to Europe that led to snagging a World Cup podium and the sprint globe last season.The crew gets real about why so few Scandinavians go to the U.S. and actually get better, the financial ups and downs of Finnish skiing, and how Jasmi Joensuu's consistent results paid off big-time—even if it meant having to handle the haters who think only podiums should count. There's plenty of banter, some hot takes, and lots of insights for ski geeks, but honestly, it's just a great listen if you love hearing what it really takes to do things differently and succeed.

Today, Janice is joined by Stephanie Ferris, CEO and President of Fidelity National Information Services (FIS), a Fortune 500 company whose technology enables financial institutions and businesses to move money seamlessly around the world. An accomplished global executive, Stephanie has deep experience leading payments and technology platforms, driving digital transformation, elevating customer engagement, and championing inclusive growth. She shares the inspirations that shaped her early life, her journey to executive leadership, and how she navigates the immense scale and responsibility of leading FIS's global market presence.Tags: leadership, janice, ellig, stephanie, ferris, ceo, president, fidelity, fis, technology, finance, money, growth, responsibility

Tom Kelly is a US Ski and Snowboard Hall of Famer and one of the most legendary behind the scenes players in the history of sport.  In Tom's 30+ years with the US Ski and Snowboard Team, he's been responsible for integrating sports like moguls, ski jumping, snowboarding, halfpipe skiing and slopestyle in the US mix. Then, at the events, he's been the guy coordinating media for athletes like Lindsay Vonn, Mikaela Shiffrin, Picabo Street, and Bode Miller.  On the podcast we talk about some of Tom's 11 Olympics, the athletes, the situations, the controversies, and more. US Skiing legend Luke Bodensteiner asks the Inappropriate Questions Tom Kelly Show Notes: 4:00: 2026 Olympics, 2002 Utah bid controversy, FIS, infrastructure, hotel Olympics, keeping issues private, 21:00: Therm-ic Heated Socks: The branded that invented Heated Socks Stanley:  The brand that invented the category! Only the best for Powell Movement listeners.  Check out Stanley1913.com   Best Day Brewing:  All of the flavor of your favorite IPA or Kolsch, without the alcohol, the calories or sugar. 25:00: Julia Mancuso, Bode Miller, Picabo Street, coming up in Wisconsin, Telemark Alpine Ski Area, American Birkebeiner, travel biz, US Ski Team, and US Snowboarding integration,     41:00: Elan Skis:  Over 75 years of innovation that makes you better. Outdoor Research: Click here for 25% off Outdoor Research products (not valid on sale items or pro products) 43:00: Snowboarders in the HOF, developing the Center of Excellence, his first Olympics, Trace Worthington, access, getting money to athletes Alan Kildow, and the traits of the elite   68:00: Inappropriate Questions with Luke Bodensteiner

Recorded live from the PayTech Women Leadership Summit in Atlanta, this episode brings together an inspiring cross-section of executives, founders, coaches, and industry veterans who are shaping the human side of leadership in payments and fintech. A special thank you to our episode sponsor, Global Payments.Across fast, heartfelt conversations, one thread is impossible to miss: influence grows when community grows. You'll hear how clarity of purpose fuels confidence, why intentional relationships compound over time, and how investing in your own presence, skills, and courage creates opportunities that span roles, companies, and career chapters.Valissa Pierre-Louis opens by grounding influence in self-awareness - truly understanding the value you bring and aligning your strengths to what the business needs most. She underscores the power of relationships that amplify that value. Outhay Lovan builds on that with a call to boldness, especially for those who don't see themselves as natural extroverts. Her message is simple: step into discomfort, expand your network, and watch your impact grow.Executive presence takes center stage with Eileen Nebhut, who highlights the importance of coaching, feedback, and stakeholder support systems. She notes that the Summit's unique “vibe” comes from leaders who intentionally pay it forward. Audrey Blackmon emphasizes being intentional with time and staying rooted in authenticity and integrity - two qualities she sees as non-negotiable for long-term influence.From the organizational lens, Dr. Gail Burgos encourages women to take risks, stretch beyond their functional lanes, and embrace curiosity as a pathway to growth. FIS's Kristen Slink brings a powerful distinction between mentorship and sponsorship, urging women to advocate for one another and elevate voices not yet in the room.Margie Kreutz adds a powerful mindset shift—reframing “risk” as courage—and reminds women that staying too long in a comfortable role can quietly stall advancement, while brave, timely moves create momentum and open doors. Longtime industry leader Linda Perry reminds professionals to stay deeply informed—follow the trends, read widely, and understand the ecosystem so you can chart where you want to go. And to close, Jonathan O'Connor spotlights the magic of “playing in traffic” - putting yourself in the flow of conversations, peers, and opportunity during a moment of massive industry transformation.If you care about accelerating your career, building meaningful connections, or leading with purpose in a competitive, fast-changing landscape, this episode offers practical insights you can put into motion today.

Banking on Fraudology is presented by Sardine.ai.In this episode of Banking on Fraudology, Hailey Windham sits down with Ravi Loganathan, Co-founder and President of Sonar AI and Head of Banking and Policy at Sardine. Ravi, who has over 20 years in banking and consortium work with institutions like Early Warning Services, Zelle, and Bank of America, has been leading the charge at Sardine to make intelligent sharing accessible and actionable for all institutions.The conversation dives deep into the concept of collective intelligence, which Ravi describes as a "must-have" in the age of accelerating AI-driven scams. Fraudsters exploit information sharing gaps by jumping from one institution (like a fintech) to another (like a large regulated bank), making an ecosystem-wide defense essential.Key Takeaways: Unlocking Collective Intelligence with Sonar AIThe Sonar AI Origin Story: Sonar AI was kickstarted three years ago by a group of banks and fintechs to fill a critical gap: the lack of infrastructure for real-time risk information sharing when funds movement or instant settlement is authorized. This was driven by the need to combat authorized push payment (APP) fraud, particularly concerning the lack of insights on the recipient.How Sonar AI Works: Sonar AI is an industry utility. Before an institution authorizes a fund movement or account opening, they can inquire into Sonar on the entity conducting the transaction. Sonar returns curated signals (often simplified to "high, medium, low" risk, block list status, etc.) for the institution to augment their existing risk decisioning process. In return, the institution provides feedback, benefiting the next inquiring member.Regulatory Foundation: Sonar AI is built on a strong regulatory framework, having worked with FinCEN to receive 314(b) designation to form an association of financial institutions. It also facilitates broader fraud signal sharing under the Gramm-Leach-Bliley Act (GLBA).Empowering Smaller FIs: Sonar AI offers features specifically for smaller community banks and credit unions, including batch contribution and batch inquiry to eliminate the need for immediate API tech builds. Ravi details their collaboration with the Independent Community Bankers of America (ICBA) accelerator program to embed Sardine's solutions into core providers and invite FIs to join Sonar as members.Future Innovations: Ravi reveals Sonar AI's newest services, including Footprint, which provides a broader view of a consumer's financial standing by tracking their transactions across crypto exchanges, marketplaces, and fintechs , and the expansion of the Red Flag service for monitoring credentials leaked on the dark web.This is a must-listen for investigators, executives, and anyone working in the financial crimes space who is serious about strengthening prevention efforts and is ready to embrace the future of shared, collective defense.About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud...

Fraud is on the rise, and AI is contributing to both the solution and the problem.  “Fraud is a really large problem and growing exponentially,” Austin Capital Bank Chief Executive Erik Beguintells FinAi News in this episode of “The Buzz” podcast. Consumers reported losing $12.5 billion to fraud in 2024, according to the FTC. And that's probably understated, Beguin says, noting that not all consumers report being defrauded, due to embarrassment, being in denial or other reasons. Fraudsters are using AI to target individuals, using it to read social profiles and identify the best way to attack a person, he says. This streamlines an extremely laborious task for bad actors. On the other hand, FIs are using AI to boost account security, Beguin says. For example, consumers and financial institutions are likely to start moving away from usernames and passwords and even traditional multifactor authentication methods. Instead, the market should move toward biometrics and AI-driven device and image authentication. 

Some partnerships in financial services begin with a handshake and end with a contract dispute. Others start with a Sunday morning LinkedIn message and evolve into something that transcends the typical vendor-client relationship. The collaboration between Cross River Bank and Best Egg falls firmly into the latter category. "When we first got into the business, we met several new companies, and some of them were like three guys in a garage," recalls Adam Goller, EVP and Head of Fintech Banking at Cross River.  An impromptu conversation in 2013 between Best Egg's founder and Cross River's CEO would eventually grow into a partnership that has facilitated nearly $35 billion in loans and 2.5 million customers – reshaping the lives of people and communities who were previously underserved by traditional FIS and had limited access to credit. What began as basic loan origination has evolved into sophisticated closed-loop capital market solutions, including the development of Best Egg's "BEAST" securitization platform, which uses Cross River's CRB Securities to package assets for sale to institutional investors. The progression reflects Cross River's willingness and ability to help fintechs climb the rungs of product expansion as they grow: "We have so many use cases where a partner came to us for lending, and that ultimately expanded to a deposit product, a payment service, and a card product," Goller notes. Although partners that offer point solutions can help fintechs get started, they don't set them up for the future. The Cross River - Best Egg partnership shows how the right BaaS and bank partner helps fintechs move beyond the start up mindset with more sophisticated financial support as they mature.  Listen to this conversation to learn about the blueprint fintechs should use to identify the right banking partners at the start and how Cross River can help fintechs look beyond isolated business cases and build long term product road maps, with the support of a large financial institution and the agility of a fintech.

Analyse zu den Slaloms in Levi Braucht das Regelwerk der FIS ein Update? Zwei Vorfälle in Levi sorgen für Diskussionen, Tobias und Lukas bringen das Thema aufs Tapet. Mikaela Shiffrin komplettiert ihre Santa-Claus-Herde an Rentieren mit einer dominanten Vorstellung (6:45), bei der Emma Aicher sich zur echten Kandidatin auf den Gesamtweltcup in Stellung bringt. Lucas Braathen holt den ersten Sieg für Brasilien (32:48), während Marcel Hirscher mit seiner Rennplanung Rätsel aufgibt und Van Deer ein nicht mehr allzu junges Talent verpflichtet (52:40). Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new short-term reality onto financial leadership. Seamus Smith, EVP and Group President of Automated Finance at FIS, and Chrissy Wagner, SVP of GTM at FIS, break down how finance leaders can balance urgent risk management with strategic growth positioning through data quality, automation, and AI. Smith and Wagner reveal that cybersecurity tops the list of CFO concerns, but inefficient processes and lack of visibility into money flows are the real operational killers, particularly as organizations grow through M&A. They explain how FIS helped clients navigate recent tariff disruptions through better data visibility, why paper checks remain one of the biggest fraud vectors in modern finance, how supply chain finance is underutilized in the US compared to Europe, and why AI is already delivering $3.70 in returns for every dollar invested in credit underwriting and collections.

In this powerful episode of Banking on Fraudology, Hailey Windham sits down with John Duffley, Communications Director at the Association of Certified Fraud Examiners (ACFE), who leads the global coordination and growth of International Fraud Awareness Week.The conversation dives deep into the origins of this massive global initiative, which began in 2000 as "National Fraud Awareness Week" and has since evolved to be celebrated by thousands of organizations across more than 130 countries, supporting a community of over 95,000 fraud professionals.Key Takeaways: International Fraud Awareness WeekA Global Springboard: Fraud Week is an annual opportunity for organizations of all sizes—from local law firms to Fortune 500 companies—to discuss and address fraud prevention and detection efforts, serving as a launchpad for success in the coming year.Creative Campaign Ideas: Organizations participate in countless impactful ways, including multi-week campaigns, virtual trainings, community events, social media efforts, and internal recognition (like Hailey's personal "Scooby Doo Awards"!).Tips for Smaller Teams: John and Hailey share simple, budget-friendly ways smaller financial institutions (FIs) like credit unions and community banks can participate, emphasizing conversation, awareness, social media engagement, and internal recognition. Hailey shares a successful, low-cost fraud roundtable example.Essential ACFE Resources: Get a rundown of the free resources available on fraudweek.com, including proclamation and press release templates, interactive games like "Geo Party" and "Fraud Myth Busters," videos, infographics, and a simple Fraud Prevention Checklist.Building a Fraud-Savvy Culture: Learn how Fraud Week can initiate long-term cultural change, the importance of gaining leadership buy-in by reaffirming brand trust, and the proven ROI of awareness training (tips are the most common detection method, accounting for 43% of frauds).John's Top Tip for Every Fraud Fighter: Start a conversation with someone close to you—a colleague, supervisor, or family member—because awareness begins with simply sharing what you know to protect those most vulnerable to scams.This is a must-listen for investigators, executives, and anyone working in the financial crimes space who is serious about strengthening prevention efforts and building a global fraud-fighting community.Don't forget to use #FraudWeek when sharing your organization's efforts!Links:Connect with the global fraud-fighting community and download your free resources: fraudweek.comacfe.com/

Banks dramatically underestimate how their customers share financial data, and most of it happens through insecure screen scraping that creates fraud vulnerabilities and slows performance. Shane McWilliams, Head of Retail Digital Banking at FIS, breaks down the three critical challenges separating thriving institutions from those being left behind: serving small and medium businesses as a central financial hub, enabling secure data sharing through APIs, and moving beyond product-centric thinking to build sticky customer relationships. McWilliams reveals that when he asks bank executives to guess what percentage of their customers are sharing data with third parties, "they're not even close" to reality. He explains how modern SMBs expect their banks to integrate everything from cash flow monitoring to accounting systems, why personalization needs to go beyond UX optimization, and how banks that orient around customer needs rather than products will win in today's competitive environment.

This episode's guest is author, speaker, and "patron saint of crazy ideas" Kyle Scheele. Listen in as he makes the case that creativity at financial institutions isn't confined to marketing teams—it's simply problem-solving, and it belongs to everyone at your organization. He shares why “culture eats strategy,” explains the importance of making space for innovation in a traditional industry, and suggests practical ways leaders can experiment to reduce the big risk that all community FIs face: losing customers to more innovative competitors.We'll explore:The risk of losing customers to fintechs and how creativity helps you win trust.“Commit to the bit”: the surprising power of shared enthusiasm to build culture and collaboration.Two questions leaders should ask to unlock hidden solutions already inside the organization.Lightweight systems to surface employee ideas and how strong cultures act like magnets for attracting new talent.About the guest: Whether he's holding a Viking funeral for the regrets of 21,000 people, hosting the world's first fake marathon, or gaining a million TikTok followers in just 25 hours, Kyle Scheele is always on the lookout for crazy ideas that produce wildly outsized outcomes. Over the last decade, his projects have been featured in prominent outlets Fast Company, WIRED, The Washington Post, Yahoo!, BuzzFeed, UpWorthy, and Goalcast, among others. His videos have been viewed over 250 million times, and he has spoken to hundreds of thousands of audience members across the United States. More than anything, Kyle hopes that his story can inspire others to chase their own crazy ideas and become the people they were meant to be.Helpful links:Read about one of Kyle's projects: Home Run Marathon attracts more participants than Boston Marathon on TikTok - The Washington PostHear more from Kyle at Abrigo's 2026 ThinkBIG Conference.

In a series of podcasts taped live at 2025's Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, ASA Founder/CEO Landon Glenn explains how collaborative banking and embedded finance create exciting opportunities across the board. When financial institutions can offer new digital tools, customers have access to broader services, while fintechs have increased options to connect with FIs.

Digital currencies are moving beyond the fringes and into the heart of financial markets. Banks and asset managers are starting to explore their potential, yet adoption comes with questions around regulation, infrastructure, and risk.How ready are institutions to embrace this new landscape? What hurdles lie ahead? And what could the mainstreaming of stablecoins mean for the future of finance in Asia? On Wealth Tracker, Hongbin Jeong speaks to William Lau, Head of Markets and Account Management, APAC, FIS, to find out more.See omnystudio.com/listener for privacy information.

Join our discussion with Keith Riddle, General Manager of Payfinia, about Digital Wallets and the important costs and considerations. Are digital wallets a threat to interchange revenue? What are the pros and cons of an FI-supplied digital wallet vs. pushing customers to Apple Pay? What are the revenue opportunities in this space for community FIs to meet customer expectations and build revenue? We dive into all this and more. Send us a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

Cole Watson, CFO of Hoosier Hills Credit Union (IN), joins Vin, Zach, and DCG colleague Mike Mitchell for a terrific episode 10 of season 4. The guys dig into Cole's background as he transitioned into the banking world post-GFC, the importance of having a “curious mind,”  initiating strategic actions at ALCO, and how FIs should embrace culture shifts as deposit gathering becomes more and more important.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

FinovateFall Best of Show winner Eko Investments is bringing investment opportunities to early-stage investors, growing individual wealth and helping FIs of all sizes retain their customers. Detailed Summary: Mart Vos, CEO of Eko Investments, joins Greg to talk about his company's role as a leading digital investment provider for credit unions and banks. Eko's mission stems from Mart's personal experience when he moved from the Netherlands to the US and discovered that traditional banks only offered investment services to wealthy clients through financial advisors, requiring minimums like $100,000 rather than accommodating smaller amounts like $100. This contrasted sharply with the Netherlands, where every bank offers accessible investment products, eliminating the need for third-party apps like Betterment, Robinhood, or Acorns. Eko enables financial institutions to offer investments to all their clients, not just the top 1%, through a low-threshold investment solution natively integrated within digital banking platforms. Eko has achieved remarkable success, winning Best of Show at Finovate Fall for the second consecutive year. The company's evolution is driven by their commitment to listening to financial institutions and members, with a significant portion of engineering hours reserved for client requests that can be implemented within one to two weeks. Recent feature developments include IRAs and Roth IRAs, faster money movement capabilities, and a unique structure providing core integration benefits without actual core dependency. Eko serves a diverse range of clients, from their smallest credit union with 7,000 members to their largest with 20 billion in assets, demonstrating their scalable solution across different institutional sizes. Mart continues by describing how the Eko platform serves as an essential tool for financial institutions looking to retain clients who might otherwise migrate to third-party investment apps. With 68% of users making their first investment ever, and an average investment amount of $1,200, Eko focuses heavily on financial literacy and education, particularly serving millennials and Gen Z users. Rather than competing with traditional wealth advisory firms, Eko operates as a complementary funnel, providing warm leads for wealth services when clients reach higher investment thresholds like $50,000 or $100,000. This collaborative approach prevents financial institutions from having to "sell no" to smaller investors while creating pathways for future wealth management relationships. More info: Eko: https://eko.investments/ ; https://www.linkedin.com/company/ekoinvestments/ FinovateFall Demo: https://finovate.com/videos/finovatefall-2025-eko/ Mart Vos: https://www.linkedin.com/in/mart-vos/ Greg Palmer: https://www.linkedin.com/in/gregbpalmer/ Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/ #Finovate #Eko #FinovateFall #BestofShow #investment #podcast #fintechpodcast #financialservices #wealthmanagement #deposits # #digitraltransformation #fintech #finserv #modernization #innovation #startup #banking #creditunions #communitybanks

Live from Sibos, TMI's Eleanor Hill speaks with Kevin Flood (FIS) about the next wave of payments innovation and what it really means for corporate treasurers. Our guest discusses how banks and providers are enhancing the corporate payments experience and balancing innovation with treasurers' core priorities around speed, accuracy, and reconciliation. Kevin also explores the rise of Payments-as-a-Service and why modernising infrastructure will be key to meeting regulatory deadlines and enabling the next generation of instant payments.

FinovateFall Best of Show winner Vertice AI: Using AI to help smaller FI's punch above their weight. Detailed Summary: In this episode, Greg catches up with Mitch Rutledge, CEO and co-founder of Vertice AI, who won Best of Show at FinovateFall. Mitch starts out by discussing his company's mission to empower community financial institutions through AI-powered solutions. Vertice serves as an AI-driven growth engine that transforms institutional data into actionable insights, enabling smaller community banks and credit unions to compete effectively with larger financial institutions. The platform specifically targets community FIs with lean marketing teams, helping them deliver personalized customer engagement and measurable growth outcomes. Rutledge emphasizes that while big banks like Bank of America employ over 3,000 data scientists and JP Morgan invests over $4 billion in AI, community banks possess a crucial advantage: the trust factor that can be leveraged alongside modern technology. The conversation then explores Vertice's approach to personalization, which Rutledge defines as delivering relevance by understanding customer needs and serving appropriate products at the right time. The platform utilizes multiple AI applications including propensity scoring to predict product adoption and churn risk, automated campaign creation that generates targeted messaging for different demographics while maintaining regulatory compliance, and real-time campaign performance analysis. This comprehensive approach addresses the significant gap between consumer expectations for personalized financial experiences (74% want it) and actual delivery (only 22% feel they receive it). The technology enables marketing teams of one or two people to achieve the same level of personalization as larger institutions with extensive data science teams. A notable aspect of Vertice's journey is their decision to remain bootstrapped without taking venture capital funding. Rutledge explains this choice allowed the company to maintain control over their mission and vision while building according to client needs rather than investor timelines. The company achieved cash flow positivity from day one and focused on thoughtful, sustainable growth. For startup founders considering funding options, Rutledge advises being clear about the "why" behind raising funds, noting that while VC funding may be necessary for businesses requiring hyperscaling, companies that can grow profitably through customer revenue shouldn't underestimate the bootstrap path. This approach creates discipline and efficiency, ensuring every dollar earned is tied to value creation and customer satisfaction. More info: Vertice AI: https://verticeanalytics.ai/ ; https://www.linkedin.com/company/verticeai/ FinovateFall Demo: https://finovate.com/videos/finovatefall-2025-vertice-ai/ Mitch Rutledge: https://www.linkedin.com/in/mitchrutledge/ Greg Palmer: https://www.linkedin.com/in/gregbpalmer/ Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/ #Finovate #VerticeAI #FinovateFall #BestofShow #marketing #podcast #fintechpodcast #financialservices #credit #payments #orchestration #digitraltransformation #fintech #finserv #modernization #innovation #startup #banking #cx #creditunions #communitybanks

We sat down with Matt Potere, CEO of Happy Money, to discuss the staggering $17.5 trillion of consumer debt in the US, and Happy Money's recent Credit Check-In study which analyzed consumer financial stress. The high percentage of consumer credit card debt creates an opportunity for FIs to alleviate consumer stress through personal loans. We deep dive into how this asset base builds long-term customers for FIs. Send us a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

Your number 1 Nordic podcast is back and what a title is has ! Tune in to a banter rich podcast, where we discuss the latest developments after the FIS autumn meetings.

BUFFALO, NY — October 3, 2025 — A new #research perspective was #published in Volume 17, Issue 9 of Aging-US on August 26, 2025, titled “Analysis of the current state of frailty indexes and their implementation for aging intervention studies.” In this work, led by first author Oliver G. Frost from Loughborough University alongside corresponding authors Abdelhadi Rebbaa and Amit Sharma, from the Lifespan Research Institute, the authors explore growing concerns about the lack of standardization in how frailty is measured in rodent aging studies, which may limit the development of effective interventions targeting age-related decline. Frailty, a key indicator of deteriorating health in older adults, is increasingly assessed in preclinical models using frailty indexes (FIs). These indexes quantify health deficits, such as reduced mobility, cognitive decline, or physical weakness. However, this perspective highlights that FI methodologies vary significantly across studies, from the selection of parameters to the cut-off thresholds used, resulting in inconsistent outcomes that affects reproducibility and translational value. The authors reviewed 18 rodent studies and found substantial variation in how frailty is defined and measured. Some FIs rely on clinical observations, such as appearance or beahaviour, while others focus on physical performance metrics like grip strength or locomotion. In several cases, applying different FIs to the same group of animals produced contradictory results, underscoring the importance of harmonized protocols. To illustrate these issues, the researchers applied an 8-item FI to mice of different ages and found that even young mice were sometimes scored as frail, depending on the scoring method and reference values. This finding emphasizes the need for consistent baselines and controlled environments, especially when comparing across studies. The authors recommend using each animal as its own baseline in longitudinal studies, a strategy that enhances reliability without adding significant cost. “Sex as a biological variable in FIs is an important consideration, as there is a known difference between male and female frailty onset and progression.” The authors also discuss emerging automated tools, such as video-based open-field testing, which can reduce observer bias and improve reproducibility. In the future, broader health indicators, such as cognition, circadian rhythms, social behavior, and body composition, may further enhance frailty assessments. Overall, this work underscores the urgent need for standardized, transparent, and reproducible methods for evaluating frailty in preclinical aging studies. Improved consistency in frailty scoring will better inform the development of healthspan-extending therapies and enhance the translational relevance of animal models. DOI - https://doi.org/10.18632/aging.206307 Corresponding authors - Abdelhadi Rebbaa - rebbaa@gmail.com, and Amit Sharma - amit.sharma@sens.org Abstract video - https://www.youtube.com/watch?v=eha3XA9LyWA Sign up for free Altmetric alerts about this article - https://aging.altmetric.com/details/email_updates?id=10.18632%2Faging.206307 Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts Keywords - aging, frailty, rodents, frailty index, phenotype To learn more about the journal, please visit our website at https://www.Aging-US.com​​ and connect with us on social media at: Facebook - https://www.facebook.com/AgingUS/ X - https://twitter.com/AgingJrnl Instagram - https://www.instagram.com/agingjrnl/ YouTube - https://www.youtube.com/@AgingJournal LinkedIn - https://www.linkedin.com/company/aging/ Bluesky - https://bsky.app/profile/aging-us.bsky.social Pinterest - https://www.pinterest.com/AgingUS/ Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. With ISO message format changes, Swift updates, and evolving fraud requirements hitting simultaneously, banks are facing a complex web of compliance demands that require immediate attention. "The regulatory agenda for money movement is probably one of the most aggressive we have," said Elaine Duff, SVP and Head of Money Movement at FIS. "It's across the globe. We're seeing the ISO message intended to help firms standardize their messaging, become more efficient, and make their operations much more standardized." Yet the scale of change extends far beyond simple messaging updates. The oncoming change affects fraud tools, digital channels, reporting formats, and entire operational workflows. For many institutions, the traditional rip-and-replace approach to modernization has become both financially and operationally untenable. Nick Dovaras, Global Account Manager at AWS, emphasized the broader pressures driving urgency: "There's customer expectations as well. Customers are expecting 24/7, instant, and customer-friendly mobile applications that are connected to online systems.” Dive into this episode to hear about how financial institutions are navigating regulatory pressures through modular modernization strategies. FIS' Duff and AWS' Dovaras break down the critical role embedded fraud protection is playing in real-time payments, and why cloud-based solutions are enabling banks to modernize their money movement capabilities without the risks of traditional rip-and-replace approaches.

Go to http://factormeals.com/jvsb50off and use code jvsb50off to get 50% off your first box, plus Free Breakfast for 1 Year. J and Ben are back at it with the Quiz Masters for another MAX DIFFICULTY Open Book Quiz—this time covering Harry Potter and the Chamber of Secrets!

More than half of Americans report that they will run out of money when they stop earning a paycheck and millions haven't saved enough to maintain their standard of living in retirement, There is an urgent need to re-imagine the role record keepers play in financial wellness, and it starts by leveraging technology to close the gap between capabilities and customer expectations. “When I look at things like automatic enrollment and automatic increase, that's where it starts,“ explains Will Hicks, Head of FIS Global Retirement Products and Services. “Then it bleeds into the technology phase in terms of how you deliver that. How do you actually let participants know how that impacts their financial future?“. The sector is in transition, where traditional retirement record keeping is expanding into comprehensive financial wellness platforms. Scott Parker, Partner at Deloitte Consulting and leader of their wealth retirement practice, notes that the industry is “at the cusp of taking it to the next level and getting outside of what we've always done in the past, which is more and more communication.“ The change is driven by both technological capabilities and changing expectations which center around integrated solutions: “Our clients are asking us to bring those solutions together, because they want a clear picture of not just their retirement, but what are they doing in the banking space?“ said Sherry Baker, SVP and Head of Global Wealth Products and Services at FIS. Listen to the podcast to discover how retirement industry leaders are breaking down traditional silos to deliver integrated financial wellness solutions that go far beyond the 401(k). Learn the role that modernization, data, personalization, and cybersecurity play in pushing record keepers forward. It's a conversation on record keeping organizations can meet regulatory requirements while meeting the daily engagement expectations of younger participants.

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Era actualitat dera Val d'Aran en aran

rWotD Episode 3053: EFunds Corporation Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Friday, 12 September 2025, is EFunds Corporation.EFD (or eFunds Corporation) was a Scottsdale, Arizona based payments processor of electronic payments including debit card and automated teller machine (ATM) transactions. It provided financial service companies and other large enterprises with new account decisions, fraud detection and payment processing services. On June 27, 2007, Fidelity National Information Services, Inc. (FIS) announced that it was acquiring EFD in an all-cash transaction valued at about $1.8B. The target completion date for the acquisition was the 3rd quarter of 2007.This recording reflects the Wikipedia text as of 00:01 UTC on Friday, 12 September 2025.For the full current version of the article, see EFunds Corporation on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Stephen.

Download the Upside app and use code JVSB to get an extra 25 cents back for every gallon on your first tank of gas. Today J and Ben and the Quiz Masters CRANK up the difficulty to a new level as they introduce the OPEN BOOK concept to the format - The guys can look up any answer they dont know… as long as they can do it in under 30 seconds..  Huge thanks to our Patrons for submitting today's questions: Tara Walker, distitch626, Complete Crimson, Julie Sherwood, Ben Henderson, Abby, Bradferd, Natalia Nalepa, GooeyChewie, Essential Escapism, Fis, Rowena R., Dola, Kayela, Drawing Xaos, and LawNinja! Play along and let us know your score in the comments! https://supercarlinbrothers.com/max-difficulty-sorcerers-stone-open-book-quiz/  #HarryPotter #SuperCarlinBrother #WizardingWorld  THROUGH THE GRIFFIN TOUR MIDWEST Tickets ON SALE NOW! https://supercarlinbrothers.com/events/  Midwest Tour Dates:  Indianapolis, IN - 9/16 St. Louis, MO - 9/17 Des Moines, IA - 9/19 (SOLD OUT) St. Paul, MN - 9/20 (SOLD OUT) Milwaukee, WI - 9/21 Chicago, IL - 9/23 Detroit, MI - 9/24 (SOLD OUT) Cleveland, OH - 9/25 (SOLD OUT) #HarryPotter #SuperCarlinBrothers  Written by :: The Quiz Masters! Edited by :: Ethan Edghill Hosted by :: Ethan Edghill

Ett tvehövdat avsnitt med: 1) Race report från Värnamorullen. Erik T har var speaker. Erik W gjorde ett panglopp och var före proffs som Emil Persson och Oskar Kardin. Han blev dessutom belönad med ett SM-guld i H40. 2) Intervju med Tour de Ski-2:an och åsiktsmaskinen Mika Vermeulen, vars pappa hjälpe Erik W med sina armbågsproblem 2012. Mika berättar bl a vad han tycker om FIS och Ski Classics samt drar jämförelser med triathlon. Missa inte! Dessutom: Thiberg ger en outstanding race report från sitt pers på milen. Erik W har barn som delar ut p-böter om man ställer sig med för långt avstånd till nästa bil. Tack till:

In this episode of Banking Transformed, John Stuckey from FIS shares insights on the evolving landscape of digital business banking and the strategies financial institutions need to adopt for future growth. The discussion examines how market needs have evolved for business banking clients, the effect of Customer 360 perspectives, the increasing influence of open banking on business financial relationships, and the ways AI is transforming competitive dynamics. John also delves into the competitive dynamics between fintechs and traditional banks, and how banks must evolve their digital solutions to meet changing market demands.

Go to http://factormeals.com/jvsb50off and use code jvsb50off to get 50% off your first box, plus Free Breakfast for 1 Year Snag a Carlin Brothers Coffee Subscription at https://www.carlinbrothersmercantile.com It's time for another J vs Ben Quiz — but this time, it's all about our own Harry Potter theories! After years of making wild predictions, fan theories, and “What If” scenarios, can we actually remember what we said? Or will we get stumped by our own videos? Play along and see if you can beat us! Play along with us :: https://supercarlinbrothers.com/j-vs-ben-can-we-remember-more-of-our-harry-potter-theories/   Special thanks to our Patrons who submitted today's questions: Dorian R., Essential Escapism, Michaela Henry, Bradferd, Amanda B., Teghan Denlinger, Katrina A., Complete Crimson, Tara Walker, Fis, LawNinja, Dola, GooeyChewie, Reddrick, The Hufflepuff Pancake Chef, and Sarah Makiyama THROUGH THE GRIFFIN TOUR MIDWEST Tickets ON SALE NOW! https://supercarlinbrothers.com/events/  Midwest Tour Dates:  Indianapolis, IN - 9/16 St. Louis, MO - 9/17 Des Moines, IA - 9/19 (SOLD OUT) St. Paul, MN - 9/20 (SOLD OUT) Milwaukee, WI - 9/21 Chicago, IL - 9/23 Detroit, MI - 9/24 (SOLD OUT) Cleveland, OH - 9/25 (SOLD OUT) #HarryPotter #SuperCarlinBrothers  Written by :: Our Quiz Masters! Hosted by :: Kat Stine Edited by :: Ethan Edghill

Shelby Katona has spent over a decade at AML RightSource leading complex investigations across alternative investment banks, traditional financial institutions, crypto platforms, and fintech companies. This diverse experience has positioned her and her team as specialists in one of the most critical—and challenging—areas of financial crime: human trafficking detection and prevention. In this conversation, Shelby reveals how FIs, MSBs, and other entities can identify the subtle patterns that expose trafficking networks, sharing real-world insights from her work helping clients build sophisticated detection programs. She'll explore the evolving tactics traffickers use to move money, the connected predicate crimes that often surface alongside trafficking cases, and the practical steps compliance teams can take to strengthen their defenses against these operations. From recognizing transaction red flags to building comprehensive monitoring frameworks, Shelby offers a practitioner's perspective on combating one of today's most devastating crimes through financial intelligence.

Find out how FIS is staying on the cutting edge of technology while serving clients and communities.   FIS processes more than 10% of the global economy and handles $16 trillion in assets annually. How does the company simultaneously safeguard data, pursue innovation, and serve its communities?   Join David Young and guest Stephanie Ferris, CEO and president of FIS, to learn about Ferris' journey to the corner office, three ways Ferris and FIS are exploring generative AI, and how the company supports communities across 64 countries. The Leadership in Challenging Times discussions feature timely and insightful discussions with the outstanding CEOs who are recipients of CED's Distinguished Leadership Awards. Business leader honorees discuss the unprecedented challenges facing the nation and how they are helping chart a path forward for both their companies and communities in which they operate.   For more from The Conference Board: ·       CED Announces Recipients of Its 2025 Distinguished Leadership Awards ·       CED Distinguished Leadership Awards Celebration ·       What Should Corporate Philanthropy Look Like in 2025?

Go to http://hellofresh.com/jvsb10fm and get TEN FREE MEALS with a FREE ITEM FOR LIFE.

SMBs are drowning in a sea of disconnected financial tools, juggling separate platforms for banking, payments, accounting, and lending. Many business owners find themselves logging into five or six different systems just to manage their daily operations, creating inefficiency and driving up costs at a time when economic pressures are mounting. U.S. Bank's latest 2025 Small Business Survey shows that SMBs are looking to their FIs to collapse these various digital solutions into one integrated experience. "They are overwhelmed by the number of standalone software solutions which exist in the marketplace," explains Shruti Patel, Chief Product Officer for the Business Banking segment at U.S. Bank. "They would like to consolidate these so that they're not constantly juggling with multiple tools or playing mental gymnastics, all while streamlining costs." The survey data, drawn from approximately 1,000 SMB owners across the country with revenues up to $25 million, shows a clear trend toward viewing banks as comprehensive financial hubs rather than simple repositories for funds. SMBs are seeking integrated solutions that combine banking, payments, and software capabilities under one roof. Listen to this podcast to learn about U.S. Bank's Shruti Patel is helping U.S. Bank position itself as the primary re-bundlers of financial services in the post-pandemic era.

Cowboys del infierno es el nuevo libro de Antonio Pampliega. El periodista fue secuestrado por Al Qaeda en Siria hace diez años. Su cautiverio de 299 días y sus heridas tras el secuestro son algunos de los aspectos que trata en su nueva novela. Hablamos con el periodista sobre su más reciente trabajo. El terremoto registrado en la península rusa Kamchatka, ha dejado alertas de tsunami en varias zonas del océano Pacífico. La noticia ha sido seguida de cerca por un grupo de ciudadanos que están viajando por los fiordos de Alaska abordo del crucero Silver Moon. Saludamos a Xavier Pons, director comercial de la agencia de viajes Viatget Magon. El director de cine Christopher Nolan está rodando su nueva película, 'La Odisea' en Dajla, en el Sáhara Occidental. Varias organizaciones pro derechos humanos han denunciado la utilización de un territorio ocupado como escenario cinematográfico. Una de estas organizaciones es el Festival Internacional de Cine del Sáhara Occidental, el FiSáhara. Hablamos con la directora ejecutiva del Festival Fisahara. 

Financial institutions are drowning in payment complexity. Between legacy systems, and the accelerating pace of change in how people pay, banks face a modernization crisis that threatens their competitive position. At the FIS Emerald Conference 2025, FIS announced a partnership with Episode Six which is designed to address these challenges head-on. Episode Six, an API-driven payments technology provider, will now be working with FIS to deliver a cloud-based, end-to-end digital payments platform. The collaboration brings together FIS's global scale and institutional relationships with Episode Six's modern, configurable payment infrastructure. The new partnership will allow FIs to scale beyond their local borders, without having to build new tech and processes from scratch. "We did some pretty hefty research over an extended period of time," said Rob Hudson, Head of International Banking, at FIS. "It became very apparent very quickly that Episode Six was the one that we wanted to work with. This was the standout opportunity for us, without doubt." John Mitchell, CEO and co-founder of Episode Six, emphasized the strategic nature of the partnership. "We've always envisioned that if we had a partner with the strengths and the scale of FIS, that our platform would be used in a much broader capacity," he said. "This partnership is going to enable us to present a solution that will allow all of our clients to innovate at scale." Listen to the podcast to learn what financial executives can do to navigate legacy system constraints surprisingly well, tackle global payment complexity to expand internationally, and implement progressive modernization without putting careers on the line. It's a conversation on practical strategies for overcoming institutional resistance to change while delivering the cloud-native solutions that modern banking demands.

In this episode of Banking on Community, hosts Saxon Prater and Tara Schultz sit down with Kate Drew (Head of Research at CCG Catalyst) to dive into the real‑world impact of AI on community banks. Together, they explore the realities and possibilities, sharing practical ways institutions can boost internal efficiency today and lay the groundwork for future innovations, all while staying strategic and risk‑aware.Kate serves up clear examples of how even small institutions are already tapping into AI, unpacks challenges like hallucination risk, and spotlights success stories that prove you don't need a billion-dollar budget to get started.Whether you're experimenting with AI or just wondering where to begin, this episode delivers approachable insights and a healthy dose of encouragement for community FIs looking to stay ahead in a fast‑moving digital landscape.Thanks for listening! Feel free to submit questions on X or LinkedIn using #BankingonCommunityPod and give us a follow! LinkedIn X Facebook YouTube

Download the FREE Upside App and use promo code JVSB to get an extra 25 cents back for every gallon on your first tank of gas. Go to http://hellofresh.com/jvsb10fm and get TEN FREE MEALS with a FREE ITEM FOR LIFE. We've made hundreds of Harry Potter theory videos over the years... but how well do we remember what we actually said in them? Today, it's J vs Ben in a trivia showdown featuring questions from our own backlog of theories, submitted by YOU, the viewers! How well do we know our own lore? Will we crumble under pressure? Will Ben remember which dragon built Hogwarts? Will J finally forget a pun?! Special thanks to our amazing Patrons who submitted questions for this episode! Essential Escapism, Fis, Dola, LawNinja, GooeyChewie, Amanda B., Gooie Cow (aka MaGoo), Teghan Denlinger, Bradferd, Oryan, Jessica Theriault, Michaela Henry, Tara Walker, and Rowena R. Play along with us :: https://supercarlinbrothers.com/j-vs-ben-can-we-remember-our-own-harry-potter-theories/  EVERY THEORY MENTIONED  IN THIS VIDEO ::  https://www.youtube.com/playlist?list=PLLHeqkcn5RTcqGS7OSu4ionc_ai48Xe39 THROUGH THE GRIFFIN TOUR MIDWEST Tickets ON SALE NOW! https://supercarlinbrothers.com/events/  Midwest Tour Dates:  Indianapolis, IN - 9/16 St. Louis, MO - 9/17 Des Moines, IA - 9/19 (SOLD OUT) St. Paul, MN - 9/20 (SOLD OUT) Milwaukee, WI - 9/21 Chicago, IL - 9/23 Detroit, MI - 9/24 Cleveland, OH - 9/25 (SOLD OUT) #HarryPotter #JvsBen

When Kevin Wall first stepped into industry from public accounting, it wasn't by accident—it was through a client he already knew well. The company, in the midst of an ERP conversion and preparing to go public, saw in Wall someone who understood both their numbers and their needs. “They were familiar with me. I was familiar with them,” he tells us.That early pivot from audit into operational finance set the tone for a career defined by depth over speed. Wall spent 13 years at Alcatel-Lucent and a decade at FIS, climbing steadily while broadening his remit from general accounting to pricing, FP&A, and global finance operations. His longevity at these firms, he tells us, allowed him to “move and see new things under one roof” while growing his leadership footprint.Today, as CFO of Stax Payments, Wall is again stepping into transformation. The company, which serves over 40,000 SMBs and processes more than $20 billion in volume annually, is preparing to launch its own end-to-end processing engine. Wall's priorities reflect a blend of commercial focus and operational precision: “It's the top of the funnel,” he says, referencing lead generation, “and speed to revenue.”A self-described servant leader, Wall believes in “clearing obstacles” so teams can grow. That mindset also drove a past strategic move—reorganizing finance functions like billing and AP to other departments. It was a bold step, but one grounded in clarity: “Let's really define what we want finance to be,” Wall tells us.

What happens when the primary users of an industry's products aren't well-represented in its leadership? Serena Smith, Chief Client Officer at i2c, tackles this fundamental question in a fascinating exploration of women's influence in the payments ecosystem.The stark reality? Women drive 85% of consumer purchases across categories but hold only 27% of C-suite positions in financial services. This disconnect creates a leadership opportunity that Serena has embraced throughout her remarkable career journey, which began in a bank's mailroom and led to executive roles spanning global payment operations.Serena shares the pivotal risk that transformed her career trajectory - pitching a new remittance processing business directly to FIS's executive team when her position was threatened by an acquisition. This bold move not only saved her job but catapulted her career forward, embodying her philosophy that calculated risk-taking and authentic leadership are essential for success.Her battle with cancer represents another transformative chapter, reshaping how she approaches leadership: "I'm not the same person I was before cancer. I'm stronger, wiser, more alive." This experience taught her to lead with purpose, gratitude, and a heightened awareness of what truly matters.As payments become increasingly personalized, Serena emphasizes that tomorrow's successful payment solutions must adapt to consumers rather than the reverse. At i2c, she helps clients navigate this evolution through a flexible technology stack that supports global payment processing needs across 90+ countries.For aspiring women leaders, Serena's advice is clear: own your story, recognize your unique perspective as strength, develop deep business knowledge, and both seek and provide mentorship. The future of payments needs diverse voices at the table, especially from those who understand consumer needs firsthand. 

Send us a textTalking about credit/debit card disputes and chargebacks.Probably you don't want to.  For good reason.  One estimate is that there were $62.5 billion in chargebacks in 2023.And at most credit unions every chargeback or dispute involves a lot of staff time.  It's an expensive matter and it is often profoundly irritating to members - at least some of whom decide to change FIs as a result.More worrisome is that increasing numbers of Americans file disputes, often just as a way to get an easy $50 or $100 back in their own pocket.  Lots of disputed charges are simply fraudulent.Enter Casap, which automates the dispute process and in the process resolves cases much faster and at dramatically lower costs.  Casap CEO and co-founder Shanthi Shanmugam is on the show to talk about the 21st century way to handle disputes.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Financial institutions are losing an average of $100 million annually due to a fundamental disconnect between fintech innovation and traditional financial systems. A phenomenon FIS and Oxford Economics have termed the "Harmony Gap." "We hear a lot from people about the challenges and friction they see in the money lifecycle," explains FIS CTO, Firdaus Bhathena, at his firm's Emerald Conference at the end of May in Orlando, Florida.. "But we had not been able to quantify that." His firm's collaboration with Oxford Economics is changing that, providing hard data on what many suspected but couldn't measure. The new research, based on surveys of 1,000 executives across the US, UK, and Singapore, reveals that disharmony in the financial system is a costly reality affecting everything from cybersecurity to operational efficiency. As Margaux McLoughlin of Oxford Economics puts it, "When there are disruptions across the money lifecycle, that's what we call disharmony." Understanding what the research describes as a Harmony Gap requires examining how the modern financial ecosystem operates, why the human cost extends far beyond corporate losses, and what organizations can do to bridge the disconnect between innovation and implementation. The path forward requires a rethinking of how financial institutions approach systemic challenges in an interconnected world.

Traditional banking services alone aren't enough to serve the diverse needs of small and medium-sized businesses. Banks need to go further and think of their digital footprint as a launching pad for SMB owners by adding value-added services. On the show today, Mark Valentino, President of Business Banking at Citizens, and Taira Hall, EVP and Head of Enterprise Payments at Citizens, join to talk about how the bank is building more comprehensive solutions through value-added services for SMB customers. Valentino and Hall dive into how the bank is moving away from a purely transactional relationship to become more of a command center for SMB owners, highlighting how SMB owners' needs and the broader focus on CX is leading this change. Tune into the show to explore how traditional FIs can evolve to become modern digital hubs for SMB owners through the addition of Value Added Services like spend management, a focus on APIs, and a robust partnership-first strategy. Both Valentino and Hall provide a strategic overview and practical examples – melding the worlds of business banking and payments together to forge a powerful narrative about how Citizens is evolving to meet the changing expectations of small business owners.

Non-bank financial institutions (NBFIs) are capturing more and more market share in SME lending by leveraging technology to offer quicker lending solutions. This puts pressure on FIs to evolve their approaches while managing costs and improving service quality. Finastra's Principal Product Manager Kristen Lista joins the Tearsheet podcast today to discuss the most critical areas where FIs need to focus: consolidating technology to improve efficiency, decreasing the time between application and access to funding, enhancing back-office operations, and creating more client-centric experiences. Lista offers a valuable look inside the complex web of challenges that FIs are facing when trying to improve the SME lending products. From technology integration strategies to practical advice on process improvement, Lista offers an actionable blueprint that can help FIs better compete in the SME lending space, driving growth and customer loyalty.

Sam Morse (@sammorseski) began skiing at age 23 months on the slopes of Sugarloaf. Nicknamed “Moose”  for his solidness and Maine woods roots, he followed in his brother Ben's foot steps to Carrabassett Valley Academy and then onto the US Ski Team. The 10 year veteran speed specialist on the US Ski Team, first broke onto the world stage when he became the Jr. World's Downhill Champion in 2017, and he has continued his progress with top 10 finishes and a continual rise in the FIS points ranking. Also an avid climber, kayaker, and all around sports person, Morse is also involved as a speaker in CFO, a Christian Family Camp Retreat organization,  as well as running his own faith based ski racing camps each summer called FAST camps. In our conversation today, Sam and John discuss the path to making the US Ski Team, the mindset required to ski 95mph downhill, how to maximize training opportunities and time on the snow, and how important it is that your identity be more than just winning races and a single sport. We discuss the importance of knowing yourself, having clarity of purpose, and a sense of true belonging as the path to peak performance.  BECOME A PREMIUM MEMBER OF CHANGING THE GAME PROJECT If you or your club/school is looking for all of our best content, from online courses to blog posts to interviews organized for coaches, parents and athletes, then become a premium member of Changing the Game Project today. For over a decade we have been creating materials to help change the game. and it has become a bit overwhelming to find old podcasts, blog posts and more. Now, we have organized it all for you, with areas for coaches, parents and even athletes to find materials to help compete better, and put some more play back in playing ball. Clubs please email John@ChangingTheGameProject.com for pricing.  BOOK A SPEAKER: Interested in having John, Jerry or both come to your school, club or coaching event? We are booking Fall 2025 and Spring 2026 events, please email John@ChangingTheGameProject.com to set up an introductory call. PUT IN YOUR BULK BOOK ORDERS FOR OUR BESTSELLING BOOKS! Programs such as UNC soccer and lacrosse, Syracuse lacrosse, Stanford Lacrosse, Middlebury College, Colby College, Rutgers University, and many other champions are using THE CHAMPION TEAMMATE book with their athletes. Many of these coaches are also getting THE CHAMPION SPORTS PARENT so their team parents can be part of a successful culture. Schools and clubs are using EVERY MOMENT MATTERS for staff development and book clubs. Are you?  We have been fulfilling numerous bulk orders for some of the top high school and collegiate sports programs in the country, will your team be next? Click here to visit John's author page on Amazon Click here to visit Jerry's author page on Amazon Please email John@ChangingTheGameProject.com if you want discounted pricing on 10 or more books on any of our books. Thanks everyone. This week's podcast is brought to you by our friends at Sprocket Sports.  Sprocket Sports is a new software platform for youth sports clubs.  Yeah, there are a lot of these systems out there, but Sprocket provides the full enchilada. They give you all the cool front-end stuff to make your club look good– like websites and marketing tools – AND all the back-end transactions and services to run your business better so you can focus on what really matters – your players and your teams. Sprocket is built for those clubs looking to thrive, not just survive, in the competitive world of youth sports clubs.  So if you've been looking for a true business partner – not just another app – check them out today at https://sprocketsports.me/CTG. Become a Podcast Champion! This weeks podcast is also sponsored by our Patreon Podcast Champions. Help Support the Podcast and get FREE access to our Premium Membership, with well over $1000 of courses and materials. If you love the podcast, we would love for you to become a Podcast Champion, (https://www.patreon.com/wayofchampions) for as little as a cup of coffee per month (OK, its a Venti Mocha), to help us up the ante and provide even better interviews, better sound, and an overall enhanced experience. Plus, as a $10 per month Podcast Super-Champion, you will be granted a Premium Changing the Game Project Membership, where you will have access to every course, interview and blog post we have created organized by topic from coaches to parents to athletes. Thank you for all your support these past eight years, and a special big thank you to all of you who become part of our inner circle, our patrons, who will enable us to take our podcast to the next level. https://www.patreon.com/wayofchampions