Podcasts about Kasasa

Episode 167 features a great conversation with Gave Grajicek, CEO of Kasasa a fintech banking company based in Austin, Texas. Learn more about Kasasa at https://www.kasasa.com/ Podcast music by www.bensound.com

Credit unions need a sustainable approach to growing deposits. One component of that is the use of high-yield accounts, says Alisha Crafton, chief growth officer at Kasasa.In this episode, sponsored by Kasasa, Crafton examines the company's use of data and analytics, industry trends, the concept of “phantom growth,” deposit growth strategies, and more.

Community financial institutions are facing stiff competition.How can they outdo their competitors, navigate the changing financial environment, and bring in new deposits?America's Credit Unions Digital Media Design Specialist Yeekeng Yang welcomed Kasasa CEO Gabe Krajicek on the podcast to answer these questions and more. They discuss challenges facing credit unions, the importance of adapting to change, how to address liquidity issues, and how Kasasa helps community financial institutions grow core deposits.

I'm thrilled to welcome back Gabe Krajicek, CEO of financial solutions provider Kasasa on the Banking Transformed podcast. Gabe joins us to discuss the challenges community institutions must address today and how strategic products and marketing support can drive long-term relationship-based growth. Gabe provides compelling case studies demonstrating Kasasa's impact on community banking. He stresses the importance of distinguishing between real growth and transient gains, offering strategic advice for institutions navigating today's financial landscape. Gabe's vision for a robust, community-focused banking future leaves us with a deeper understanding of the pivotal role Kasasa plays in the industry. This episode of Banking Transformed Solutions is sponsored by Kasasa Kasasa is a financial technology provider committed to driving real growth for community banks and credit unions to help them recapture market share. Since 2003, their branded retail products, and expert consulting services have helped their clients attract, engage, and retain consumers nationwide. Today over 600 community banks and credit unions rely on Kasasa to manage over $20B of core deposits. For more information visit https://offer.kasasa.com/offer-kasasa

Business Garage | Embracing Growth Through Partnerships 3 | Timothy Kasasa

Flashback from EP 19 with Gabe Krajicek, CEO of Kasasa. We pull a segment from a prior episode where Gabe talks about the core value of Love and how it not only drives good in one's personal life, but makes for good business. In this specific segment, we focus on the section where Gabe talks about why we should take advantage of this one precious life we have and that the pains we feel in life are a good things, because it means we are alive. Gabe also shares that doing something for money will only take you so far, at some point it will lose its luster and you'll be faced with the predicament as to why you do what you do. Stand for something- Whether that is making the world better for the next generation or proving that Love is the answer, find something outside of money to drive you. Gabe talks about "State Management" and how being mindful of where your mind, body and spirit are critical for any Leader. Your state of mind not only impacts you, but those around you. If you're not in a good place, it will show through your micro expressions and the nuances of your language- Your Team will pick up on it. As many of us are navigating new chapters in our lives, it is important to reflect on why you wake up everyday and if what you are doing is truly bringing you joy. Check out other ways Joseph and Team are serving other Leaders at www.cabreratoro.com Follow @cabreratoro_explore (Instagram) Follow www.youtube.com/@JosephCabreraExplore LinkedIn: CabreraToro

Gabe Krajicek, CEO of Kasasa, a financial technology and marketing provider for community banks and credit unions discusses why and how community banks and financial institutions (CFIs) (which have seen a 30% decline in the past 10 years) can maintain relevance in an increasingly digital world and....The evolving fintech landscapeWhy the shift to digital services has left CFIs lagging behind and what they can do to competeThe role of CFIs in the communities they serve

Technically 200: How Exposure, Opportunity & Mentorship Changes Lives In this episode, Code2College Vision 2024 Legacy Kylie Phillips joins us for an inspiring conversation. Kylie shares her internship experiences at Kasasa and VMware as a high schooler, what has inspired her to dream big, and why she believes the future is so promising. If you're looking to be moved or renew your hope for the future - this is the episode for you!

Jeremy Foster is the Chief Financial Officer of Austin-based Talroo.com, the data-driven job and hiring advertising platform that helps businesses reach the candidates they need to build their essential workforce. Jeremy shares insights into the key indicators of business valuation: 1) The necessity of leaders knowing the language of finance; and 2) The differences between startups, growth companies, and mature companies. He covers why alignment of the stakeholders is important for a company's successful scaling, and when to use blitzscaling, if at all. He explains analytics and shares examples from his past and present work, in an educational overview of the interplay between finance, data and decision-making.   https://bit.ly/TLP-341   Key Takeaways [2:14] Jeremy started in marketing and then ended up leading operations and retail banking for a 15-branch community bank in New Mexico and West Texas. His background was not in accounting or finance. That changes how Jeremy tends to approach the numbers. [2:41] Jeremy explains how he evaluates a business by looking at three numbers: the lifetime value of the customers, the customer acquisition cost, and the total addressable market. Marketing is a key component of each of those numbers. [4:36] Jeremy has worked with startups and scaling businesses. He's seen a broad spread of financial knowledge within company leadership. Sometimes an executive team has problems because of their different levels of understanding. Do you understand GAAP and income statements? What are revenue, gross profit, and EBITDA; the basic terminology. Some executive teams don't know these terms. [5:33] The next big question is which financial statement is the most important to look at, the cash flow or the P&L statement? It depends on whether you are a startup or an established company. There's a transition the executive team needs to make from a stage of perpetually raising capital to a stage of starting to generate capital and focus on unit economics, and understanding sound investments. [7:51] Super-mature businesses are balance-sheet-driven. These are companies like banks, oil, and gas, that have balance sheet sensitivities they need to pay attention to. [8:06] Get an executive team all on the same page with a basic background in finances and then focus that alignment in education first on whichever financial statement is the most important to the business, according to what stage your business is in. [9:27] There's an element of leadership that's getting people to follow you and there's an element of knowing what the right direction to go is. The math of business is useful in helping you figure out what the right direction is. [9:45] The first step in identifying the right direction can be self-study. Sometimes it's about understanding the terminology. Sometimes, it's about looking at your business and thinking about what's most important for your business. The easiest way to do that is to rely on the ability to identify a bottleneck. What's the most immediate limitation on the business? Is it sales, product, or capital? [10:58] The first thing is to recognize the most immediate pain point in your business. Decompose it. Understand what the most important numbers are in that pain point. You don't have to understand all the numbers in the business at once. You can learn over time. Start by figuring out what's most important. [11:59] Jeremy explains scaling and growth. A scaling business differs from a startup in that as the business gets bigger, it juggles an increasing number of variables. Part of becoming a scaling business is looking in advance. If you want 100 new customers how much staff do you need to onboard new and maintain existing customers? Look for limitations and plan to remove them before you hit them. [14:06] Past guest Margaret Heffernan identified planning for limitations as adaptability. Jeremy notes that the amount of flexibility you have is contingent upon your availability of capital. Blitzscaling has its drawbacks. If you hire too much staff, then when the capital is drained, you will have massive layoffs and you may lay off the wrong people if you don't know the metrics. That puts you in a death cycle. [15:44] Growth can be self-financed or it can come at the cost of additional capital. Blitzscaling is valid in winner-take-all markets. An example of this is Netflix. Their model is streaming video, so they had to grab as many customers as possible before others captured the market. They had to raise capital through growth and figure out how to make customers sticky. They enabled streaming through Xbox. [16:54] Often, blitzscaling is not the right approach, especially if you raise too much capital at too low of a valuation, which may hurt your investors. Prove profitability first and then raise capital at a higher multiple a little bit later. [18:56] Marketing analytics is used by companies like Facebook to choose what ad to show. Talroo uses analytics to identify the right job candidates for employers that are looking to hire essential workers. The analytics calculate the likelihoods that a job seeker will: apply for a job, be a good fit for the job, and be selected by the employer. With the right characteristics, you can start to reach the right people. [19:37] There's a space for analytics in most businesses. With analytics, you will gain a level of additional insight into what your team needs, what your customers need, and what your shareholders need. Understanding where those numbers that matter to you are is where analytics starts. Jeremy gives an example of how his former employer, Kasasa, used analytics and rewards to drive consumer behavior. [22:45] Analytics work best if you know what factors drive your business. It can also help you figure out specifics of what drives your business. Jeremy cites the problems with having too many dashboards or too few dashboards and the benefits of having an appropriate number of dashboards. Analytics will tell you where to go next if you pay attention, but you have to be thoughtful about what you're building. [26:28] When you talk about pricing, ask yourself if you are reaching the combination of the right targets that are willing and able to pay that price and if that is price sufficient for you to make money after you've acquired those customers. And are there enough of them to grow the business well? Jeremy shares some facts about the cost of acquiring customers, their lifetime value, and marketing cycles. [28:20] A business is considered investable or backable by private equity or venture capital if it is going to make three times as much as it cost to pick up that customer. … What sometimes VCs and PE groups don't pay attention to is how fast that cycles. Having multiple cycles in a year multiplies the profit. [29:14] More about pricing: Sometimes getting extra traction on the sales front isn't about charging less, sometimes you can deliver more value. Sometimes all you have to do is take risk away. Jeremy relates a Kasasa case study. When you de-risk a transaction, sales friction goes away. [33:16] As companies scale, they have to broaden their understanding of their stakeholders. What do the customers want? How do you deliver value? It is easier to work with private equity and venture capital if they've seen the metrics. To be a partner, they can't operate blindly; they need transparency. If you skip wage increases, consider the customer churn that will follow as employees leave. [35:53] Jeremy shares some aspects of conversations that were held at Kasasa, post-acquisition. They were discussing how to balance their white-label segment against their branded segment. They needed to understand the concerns of customers moving from one to the other as they navigated early conversations with the private equity group. [37:00] The PE group was focused on long-term growth. They were the right partners. It's important to have the right partners with the same objectives as the company leadership and previous owners who are investing. You want that alignment. If the idea is revenue growth at any cost, everybody better agree on that. If the alignment is to grow profitability x% year over year, everybody needs to be aligned. [39:01] Talroo sees a very high level of demand for essential workers. That's a strong vertical for Talroo. Jeremy doesn't foresee a full-fledged labor recession. There is softening in tech sectors in terms of need for workers, which Jeremy attributes to earlier overhiring of workers by a lot of large businesses. Most of the pressures in the labor economy are still present. There are a lot of people retiring or recently retired. [40:19] One of the biggest problems the U.S. faces over the next decade is a shortage of labor because we've been below our replacement rate. We don't have enough workers. It's important to retain your talent, or partner with Talroo to find new talent! One of the places where analytics gets overlooked a lot is in understanding who your best performers are. Which people is it most important that you retain? [41:41] It's still going to be important to lead well the people that you have. [42:34] Jeremy has been a key part of three major restructurings in the last 13 years. It's awful for everybody involved and it should be awful. If it's not awful, something's wrong with your culture. Restructuring should be a last resort. You can sometimes avoid them by staffing the right people in the right places. Sometimes you get it wrong. [43:45] Part of leading is looking at the metrics to know when to make those decisions. Part of leading is looking at people first when you're making those decisions so that you're making the right choices. Part of leading is knowing that your team members are vital, too. You have to do what you can to provide a soft landing for the people you have to lose. Provide as much transparency as you can upfront. [46:34] Jeremy's last message for listeners: “People look at numbers and people as exclusive and they're not. They should both provide you with insight into the other. So, when you talk about the hard side of leadership and the soft side of leadership, they're both sides. There's a lot to be said for figuring out how to use them to work together, to make you stronger on both sides of that equation.” [47:26] Closing quote: Remember, “Academic qualifications are important and so is financial education. They're both important and schools are forgetting one of them.” — Robert Kiyosaki   Quotable Quotes “When you think about what drives the value of a business, … it boils down to three things: What's the lifetime value of your customers? What's your customer acquisition cost? … and … What's the total addressable market? … [Pay attention to] those three numbers.”  “You want to figure out how you can build a business that's going to continue to grow without perpetual capital-raising and the perpetual dilution that comes along with it. Sometimes it can take some time for the executive team to make that transition.”  “If you raise too much capital at too low of a valuation, you might have hurt your investors. You might have to get really big to get the same return for your investors that you would have if you'd proven profitability and then raised at a much higher multiple a little bit later.”  “When you talk about pricing, … are you reaching … the right targets that are willing and able to pay that price, and is that price sufficient for you to make money after you've acquired those customers? … Are there enough of them to grow the business well?”  “A business is considered investable or backable by private equity or venture capital if you're going to make three times as much as it cost you to pick up that customer off of that business. … What sometimes VCs and PE groups don't pay attention to is how fast that cycles.”  “It is way easier to work with private equity and venture capital if they've seen the metrics. … For the most part, venture capitalists and private equity managers are there to make money for their investors but they want to do it in partnership.” “One of the biggest problems that the U.S. faces over the next decade is a shortage of labor because we've been below our replacement rate. We don't have enough workers. … It's really important to retain your talent.”  “You do have to balance the needs of the company against the needs of the employee. But if you can do that, then a lot of times, just operating with compassion, and some transparency and some honesty, can go a long way.”    Resources Mentioned Theleadershippodcast.com Sponsored by: Darley.com Rafti Advisors. LLC Self-Reliant Leadership. LLC Jeremy Foster Talroo.com E&Y Entrepreneur of the Year for the Southwest Margaret Heffernan Reid Hoffman Kasasa  

In this episode of FWTH Andrew chats with Gabe Krajicek - Chief Executive Officer at Kasasa. Kasasa is an award-winning fintech that provides products and services to community banks.Andrew and Gabe talk about why keeping local banking economies strong is important, accessible banking, and the future of banking. Gabe shares his passion behind starting Kasasa and explains how impactful community-driven innovation can be.To learn more about Kasasa, visit: https://www.kasasa.com/Fintech, What the Heck? dives into the future of innovation in the finance field. Join Andrew Carpenter as he interviews industry experts, confers with coworkers, and discusses disruption in the field. Sponsored by Intrinio.  Intrinio is a financial data partner powering innovators at financial institutions, startups, and universities by delivering high-quality data through cutting-edge tools designed for developers and engineers, via an automated data supply chain. If you're creating the next big thing, we're here to help – see what it means to be #PoweredbyIntrinio at https://intrinio.com. 

Traditional banks and credit unions continue to face competition from challenger and online-only banks willing to offer higher yields for savings and deposits. However, now may be the perfect time to use market instability to build new banking relationships with innovative deposit and lending products. In addition, banks can leverage an understanding of consumer behaviors to detect deposit-pricing sensitivities and tailor promotional offers to reach consumers most at risk of attrition and those who may move relationships to your organization. We have Ryan Walker, Executive Strategist for Kasasa on the Banking Transformed podcast. Ryan shares how banks and credit unions target promotional deposit and loan offers to grow relationships without sacrificing profitability and margins. This episode of Banking Transformed Solutions is sponsored by Kasasa As the Fed continues to raise rates, an account with a compelling rate may have many consumers rethinking where their loyalty lies. In this podcast, you'll learn how community financial institutions have a unique opportunity to use the instability to establish new banking relationships now that ultimately lead to primary financial institution relationships — generating more non-interest income, and higher loan volumes. For more information visit https://www.kasasa.com/RisingRates

Jeremy Foster is an unusual CFO, he isn't an accountant and doesn't have a finance background. His origins are in sales and marketing. He changed course following an MBA at Notre Dame and has subsequently become a highly successful finance leader with strong strategic capabilities and significant M&A experience. Jeremy has been instrumental in multiple equity rounds, debt recaps, and a 9-digit platform sale to PE. Jeremy's main interest is working with an organisation that wants to drive massive growth. He will typically be brought on board by a CEO who wants a co-pilot to go on that journey. In this episode, we talk about how Jeremy is currently doing that at Talroo and how that differs from his approach at previous companies Homeward and Kasasa. He explains how he operates as a strategic partner to the CEO and gives us some great insights to the thought process a CFO needs in helping build and drive strategy. We explore some of the key KPIs you need to understand when investing in customer acquisition, and we talk about the theory of constraints. Jeremy shows how the skills he learned as a marketing director are extremely valuable to a CFO too. Links Jeremy Foster on LinkedInKevin Appleby on LinkedInTalroo.comGrowCFO Strategy Programme Timestamps 00:53 A background in marketing for a bank 01:29 Did you miss out by not having an accounting background? 02:13 What role do you play as a non-accounting CFO? 04:01 Blitz scaling 05:26 The three big KPIs you need to know 07:53 Profit per customer 10:25 Jeremy Foster's experience growing the business at Kasasa 12:39 What issues do such rapid growth bring? 15:53 Thinking about communication channels 18:38 The theory of constraints 19:50 The importance of good relationships 21:50 The role of a finance business partner 23:03 What advice would you give to a CFO coming through a more traditional route than yourself? 24:55 What's the role of the CFO in driving a high-growth business strategy?

So many of the rules of personal finance seem to be written for a world that no longer exists. With new ways to save and invest - and new financial dangers to be aware of - does the same old advice still apply in the banking world? Gabe Krajicek, CEO of the FinTech neobank, Kasasa, joins us for today's episode on the power of local banking. What does the banking landscape look like in a world of less competition and more megabanks? How does our relationship with money affect our banking needs, and how does the concept of community banking fit into the post-pandemic world? See acast.com/privacy for privacy and opt-out information.

In today's episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group, initiate the ‘Generation's Series' where they would go generation-by-generation and talk about some of the saving habits and what's on the minds of individuals. The majority of this generation holds a certain characteristic trend as they're at different stages in their lives. So, in this first episode of the ‘Generation's Series', they're going to talk about Generation Z and their behavior when it comes to retirement and saving as per surveys and other resources.     Episode Highlights 01:50 - Millennials are raising young kids right now, whereas Gen Xers are having children leave the house. Baby Boomers are probably grandparents now. 03:45 – Bill says, folks born between 1997 and 2012 belong to Gen Z. That generation size is about 67 million. 05:43 - The point is that even though for a 23, 24, or 25-year-old, it is nearly impossible for them to even imagine being 65, says Andy. 06:15 – Bill mentions that those pennies you're putting away in your early 20s become the dollars - tens of dollars, or hundreds of dollars over time. 09:30 – Andy states, as per the survey, 73% of Generation Z respondents are contributing at least 3% of their salary to the retirement plan.  11:10 – According to the CGK Survey, 28% of Gen Z respondents said that they plan to work in some capacity after retirement, and 52% said they will use personal savings to finance retirement, points out Andy. 13:16 – Andy highlights, you cannot control the stock market or the industry trends, but you can control your spending, and savings habits, and those are the things that are within your control.  15:23 – 38% reported tapping into the retirement fund for an unexpected medical cost while 23% said they did so to fund a travel or leisure activity, mentions Bill. 17:05 – 75% of Gen Z currently maximize their company's match, and 50% have up to their monthly contribution over the past year.  18:00 - Andy says that Gen Z is projected to hit $33 trillion in income by the year 2030. That'll be more than a quarter of the global income, so that's a big generation.     Three Key Points It's hard to grasp when you're that young and making dollars for the first time, but it's the future goals, especially retirement goals are going to be funded by funds that you chose not to spend today. Essentially what saving for retirement is that I want to be funding something in retirement by not spending that dollar now? As a 20 something-year-old, that's hard to do, because they're coming into their own money for the first time.  You need to be able to save around 15% for your working career for you at the age of 65 to have the best option to retire or not. If you don't do that, then you get to 65 and you look up and say, how am I going to pay my bills? You need to be careful about trying to identify your life with external stuff and travel. Now, you want to experience great things in life, but don't feel like you're missing out if you don't do that before you're 28 or 30.            Tweetable Quotes “Who's your best friend when it comes to investing? It's time. Time is your best friend. So, the more the longer time you have, the better off you are.” - Andy Bush They had a study and 71% of the Gen Z's and that surveyor said that they don't feel too young to begin saving for retirement, which is the encouraging part.” – Andy Bush “88% are actively saving every month, including into their retirement plan.” – Andy Bush “77% of the Gen- Z said thinking about finances causes them to stress.” – Andy Bush “75% of the participants in that study of Gen Zers reported credit card debt. Almost one in three said they owe more than $5,000.” – Bill Bush “Debt is kind of a little bit of cancer to folks that are trying to save.” – Andy Bush “The dollars from your younger life have more time to compound from growth over time, and if you strip those away, you can't replace them through the benefit of time.” – Andy Bush “Gen Z has a strong appetite for financial education and is opening a savings account at younger ages than did prior generation that comes from Kasasa.” – Bill Bush     Resources Mentioned Horizon Financial Group - Website Contact Information: Bill BushAndy Bush Podcast Editing

A lot of businesses have their organization's core values posted up somewhere on a wall in the building, in a corner of their website, and even on employee's desks! And some organizations have worked hard to get their employees to memorize the core values and be able to tell someone those values at the drop of a hat. My question is, is that approach to company values doing any good for the business? In today's episode, I'm talking with Gabe Krajicek, CEO of Kasasa. I've experienced first-hand how company values can be useless, and as a previous customer of Kasasa, I've seen how values can directly impact customer interactions and the company's bottom line. Hear exactly how Gabe and his team have worked to build an incredible culture at Kasasa and how you can do the same thing in your organization, too! ---------- If you're looking for tangible action steps and refreshing insights to help ignite the power of your own leadership journey, sign up for my weekly leadership blog HERE. If your business would benefit from higher-performing leaders, check out more information about the comprehensive leadership development training I do HERE.  If you want to reach out to me directly, email alyson@vanhooser.com. If you enjoyed this episode, will you please subscribe and leave a review? Your reviews help this show get discovered by more incredible leaders just like you. I'm obsessed with helping leaders ignite their performance results and I'd love to have you help me make an impact! Thank you so much! P.S. Share and tag me on social -- @AlysonVanHooser -- and I'll share your comments and big takeaways on my feed!

We have seen this stat so many times. If you add up all the community banks and credit unions in the United States their scale would make them a top-five bank. Sure, but that really doesn't make much sense because all these community institutions are separate companies. But what if you could combine some of the marketing and product offerings and streamline it across hundreds or even thousands of institutions? Then you might see some real advantages. Our next guest on the Fintech One-on-One podcast is Gabe Krajicek, the CEO of Kasasa. This is exactly what Kasasa is doing. By providing a unified product and marketing program community banks and credit unions can take advantage of their collective scale and have offerings to compete with even the largest of the megabanks. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

 Time travel back 20 years. Imagine going into a credit union or bank and asking for a personal loan for $500.  Reality: unless you are a very established member/customer you would be shown the door.  Empty handed.  That's because, in those days, there was no way to profitably make that loan.  $50,000? Sure.But $500 for some emergency dental work? Nah.But now we are in 2022 and, suddenly, fast, inexpensive loan underwriting is a reality as is loan processing. Enter Quilo, a startup co-founded by Don Shafer, well known as a co founder of Kasasa  (click here to hear CU2.0 Podcast #23 on Kasasa).Quilo's business is making quick instalment loans to credit union members where the member chooses the payback timetable that works best for him/her.In most cases, too, the terms are more favorable than buying over time on a credit card.Loan decisioning also is very fast and loans can be offered on credit as well as debit transactions.Quilo's business model is direct to credit unions and community banks. The company also plans to help participating credit unions market the availability of Quilo financing to merchants in their community who will be encouraged to make their customers aware of this opportunity.Sound good? The other guest in this podcast is Joe Arnold, CEO of the $500 million Carter Credit Union in northern Louisiana. Arnold says he wants to offer Quilo to both his members and merchants in his community. He also indicates he believes Quilo will help bring new members into Carter. That means it will help solve two concerns: the need for new members and putting Carter deposits profitably to work.This is the fourth and last quick podcast from the recent CU2VIP-Live event that brought together perhaps three dozen credit union and fintech leaders. The conversation with Armstrong and Shafer that you hear in this podcast is representative of the kinds of conversations that participants enjoyed over two and one-half days.Wish you'd been there? Take heart. A follow up event is planned for late summer/early fall. Stay tuned.And...listen up.

They say big changes are coming to the world of digital advertising. For some folks, it feels like the beginning of an earthquake, for others just tremors like we've felt so many times before. Whatever 2022 holds you can bet that the winners will be the marketers who leaned into the change. In this episode, we talk with CW Warwick the VP of Consumer Marketing and Thomas Shields the VP of Marketing Enablement at Kasasa about what changes to expect in 2022 and how to create positive momentum and growth for your community financial institution. In this episode we discuss: Four big changes that will affect how community financial institutions market in 2022. What first- and third-party cookie tracking really means. How to use social media without feeling totally dependent on it. The power of 1:1 messaging. Ways you can use text messaging and direct mail to connect in meaningful ways with consumers. Things you can do this week to upgrade your marketing game. Check out the Kasasa Exchange Follow Kasasa on Twitter and LinkedIn Listen to all the episodes of Thinking Outside the Vault.

John Waupsh is co-founder and CEO of Nerve. Nerve is the creator's banking app with FDIC-insured business debt, savings, and other money-management tools designed for their business challenges. Nerve also offers public APIs, that, among other benefits, enable low-cost and instant payments for companies serving the creator economy.  Prior to founding Nerve, John spent 15 years leading product management, R&D and user experience at Kasasa, a fintech company serving more than 800 banks and credit unions and millions of consumers nationwide. John is a keynote speaker, a board member of IFSG (https://ifsg.io (https://IFSG.io)), founder of two record labels discovering and releasing lost music, and a fintech consultant to several banks and credit unions. His book, Bankruption: How Community Banking Can Survive Fintech, is available on Amazon. He enjoys spending time with his kids in his hometown of Austin. Host, David Paul, interviewed John Waupsh about the Fintech market and the development of online banking and apps which is disrupting community banking and credit unions. What You'll Learn: What are neobanks? Development of providing banking services online and apps Need for the book “Bankruption” which discusses the disruption of community banking and reveals what community banks are doing successfully or unsuccessfully Evolution of community Who are you going to target? The massive opportunity to serve customers and companies in ways that have never been served before John Waupsh's transition from Kasasa to Nerve  Favorite Quote: “Community is no longer defined by hills, rivers, railroad tracks.” - John Waupsh --  The Capital Stack All Things Tech Investing and Value Creation Early growth investor David Paul interviews the world's greatest ecosystem, learn how to start and scale your own business, and find an edge in today's capital markets.  To connect with David, visit:   Twitter - https://twitter.com/davidpaulvc (CLICK HERE) Substack - http://davidpaul.substack.com (CLICK HERE) LinkedIn - http://linkedin.com/in/Davidpaulvc (CLICK HERE) IG - https://www.instagram.com/davidpaulvc/ (CLICK HERE) DISCLAIMER: David Paul is the founder and general partner at DWP Capital.  All opinions expressed by David and podcast guests are solely their own opinions and do not reflect the opinions of DWP capital.  This podcast is for informational purposes only and should not be relied upon for decisions.   David and guests may maintain positions in the securities discussed on this podcast

Gabe Krajicek, CEO of Kasasa, has been leading businesses with a common ingredient- A foundation of love. He shares that it's not the squishy kind of love, but the principles rooted in the value, that makes a company resilient. Believing the best in others, being holistically accountable and not worrying about being “cool” are all reason he's achieved success in his career. Gabe talks about the early days of being a 22-year-old CEO and mustering up the confidence to lead a company that was originally run by folks with decades more experience. The hardships, excitement and trying to lock in on a purpose, kicked off Gabe's journey in business. In a world where everyone seems to be running a company, Gabe talks about the responsibility and unique stress that comes with being at the helm. Just because you are the CEO, doesn't mean you have the ultimate power to do whatever you want. Gabe shares that one's ability to connect with others on a human-level and understand the motives and experiences that make you tick, is crucial to effectively leading. From leading AutoTechs to FinTechs, Gabe's ultimately grateful for the opportunity to raise a family and use this as a cleaner burning fuel, to leave the world a better place.

Interview with Megan Thornton – Megan is the VP of HR at Kasasa. She is a believer that every person has untapped potential waiting to be ignited and has spent her career advocating for and building corporate cultures rich in trust, transparency, integrity and collaboration.

Reaching new borrowers is extremely challenging right now. There are privately funded marketplace lenders who are targeting consumers with sleek digital experiences and competitive rates. In this episode we talk with Chris Cohen, Kasasa's Chief Innovation Officer about ways that community financial institutions can differentiate their retail lending portfolios and win back the consumers in their backyard. You don't need to build everything in-house when there are partners who share your values and passion for helping everyday people.   In this episode we discuss: The challenges that community financial institutions are facing. How creditworthiness has changed. Ways that the pandemic economic situation differs from the financial crisis of 2007/2008. What Kasasa is doing to help our clients compete. How you can level the playing field. Stories from Kasasa Loan borrowers and what makes them raving fans. Action that you can take this week to help your lending team gain an edge.   Check out the Kasasa Exchange   Follow Kasasa on Twitter and LinkedIn   Listen to all the episodes of Thinking Outside the Vault.

The COVID-19 pandemic has changed the world in many unexpected ways, and the banking world is no exception. Things have become increasingly digital, and banking has joined the list of tasks that are now done from home — meaning customers need fast, easy, and positive online experiences.People are used to great apps that fit their ever-changing needs. So how does the banking world keep up? We're glad you asked. Today, we're joined by Patrick Dickson (SVP/Chief Research Analyst & Executive Strategist, Kasasa) and Rick Beutler (VP of Consumer Banking, First Federal Bank of Wisconsin) to talk about just that.We'll dive into changes in customer behaviors caused by the pandemic and how banks like ours have expanded to meet the increased demand for online services. We'll also talk about the future of digital banking, and provide a few best practice tips for maximum security when banking online.

View the full video interview here. Cross functional efficacy: Remote and hybrid teams' best chance at innovation and interdependence. Keith is Chief Marketing Officer of Kasasa® , the innovative leader in branded, communitypowered banking products proven to drive profit and growth. He directs growth initiatives for Kasasa and the company's client base of more than 900 community banks and credit unions.

In this episode, I've interviewed Mr. Hung Lee, CISO at KasasaHung Lee walks us through his career path and shares some insights about what it is he's looking for in vendors, his successes, failures, and more. Join us to learn more.

Produced by St Gabriel Catholic Radio

At a time when the competitiveness in the banking industry is more intense than ever, and the need for digital transformation has never been greater, is the viability of smaller community organizations at risk? Is there a way for community banks and credit unions to stand out in a world of digital giants? To dive deeper into the viability of community banking organizations, we have Gabe Krajicek, CEO of Kasasa, on the show. He discusses the benefits of local banking as well as the the opportunities for community banks to serve consumers and communities. This Episode of Banking Transformed is Sponsored by Microsoft: See how Microsoft can help to unlock new opportunities at speed through innovative business models, deliver differentiated customer experiences across channels, products and services, and redefine new ways of working. More at Microsoft.com/financialservices

In recent years, a significant percentage of consumers—from 72-76%, based on various studies—would rather bank with a local institution than a megabank. So why don't they? According to CMO Keith Brannan, it's because local banks marketing budgets don't stand a chance against the punching power of their larger counterparts. That's where Kasasa comes in, helping community banks and credit unions earn their rightful share of the market through a co-branded solution. Tune in to this fascinating episode to hear how the FinTech and marketing services brand makes buying easy for its resource-constrained customers, proof for why brands need to keep marketing in a downturn, how to use data to cross-sell and upsell a limited customer pool, and more. For full show notes and transcripts, visit https://renegade.com/podcasts/  

Kasasa's Chief Marketing Officer, Keith Brannon, joins Coruzant Technologies for the Digital Executive podcast. He shares some of the things that inspire him and his team.  Having mentors, collaborative engagement that helps to brings other similar people around you with that are intellectually curious. This helps people to be inspired and to continually learn to bring about positive change.

Song: Public Service Announcement Album: The Black Album. Lyrics: https://genius.com/Jay-z-public-service-announcement-lyrics It's a public service announcement: The Kasasa sisters and Mutima Coffee have arrived and are here to stay. Shelia and Sharon Kasasa are sisters who were born in Ugnada, but spent their formative years in the DC metro area. In this episode they talk about their early years in Uganda, coming from a long line of entrepreneurs, including a grandmother that had to lie to her parents in order to attend school and eventually went on to run a construction materials firm during the aftermath of the Idi Amin rule and eviction of foreign businesses. We learn about how the sisters eventually decided to start a company and how they hope to improve the conditions for entrepreneurs and citizens in their homeland. This is an episode you will not want to miss. You can find Mutima Coffee here. --- Support this podcast: https://anchor.fm/jay-raised-us/support

On this episode we talk with Rod Braun, Retail Manager in Devils Lake, to chat about Kasasa. We say it time and time again that Kasasa is the best checking account out there and the rates may look too good to be true, but they aren't. Rod breaks down what Kasasa is, how it works and everything else you need to know before you sign up for a Kasasa account. This is one you don't want to miss! Follow us on Instagram Like us on Facebook Visit our website myfccu.com

John Waupsh is the founder of Nerve.fm, a platform that we will be diving into heavily during this episode. Prior to founding Nerve, John spent 15 years leading Product Management, R&D and User Experience at Kasasa, a fintech company serving over 800 banks and credit unions and millions of consumers nationwide. Innovations under John's leadership have earned Kasasa four Finovate “Best of Show” titles, recognition in Fast Company's “10 Most Innovative Companies in Finance,” and standing in the FinTech Top 100. Previously, John founded FIRST ROI, which was the first company to drive online business for community banks and credit unions. It was acquired in 2010 by BancVue (Kasasa), which was acquired in 2015 by Riverside Partners. John runs two music labels, including the Preservation Project, which restores and releases lost music from the 1920s to 1980s. John is a keynote speaker in financial technology, a Fintech consultant, and his book, Bankruption: How Community Banking Can Survive Fintech, is available on Amazon. Article Link: https://variety.com/2021/music/news/secretly-group-union-1234936713/ Follow John: Twitter: @waupsh IG: @playonnerve IG: @preservationproject Join the Republik: www.artistrepublik.com Follow Artist Republik on Social Media: Instagram: @artistrepublik Twitter: @artistrepublik

Lots of financial institutions are sweating their loan-to-deposit ratios right now. Everybody is trying to re-balance their balance sheets in 2021. There are no two ways about it, competition for loans will be fierce in the coming year and the challenges are plentiful. In this episode, Greg Schultz, a Director of Product Management at Kasasa and our resident expert on the world of lending, makes predictions about the coming year and what he thinks the winning strategies will be. Book: The Great Good Place by Ray Oldenburg Kasasa Care Follow Kasasa on Twitter and LinkedIn

Bank of New York Mellon will custody bitcoin and other cryptocurrencies this year. "We're ready for a Bitcoin exchange-traded product," says SEC Commissioner Hester Peirce. NYDIG is teaming up with Kasasa to bring Bitcoin to community banks and credit unions, and their customers. Kasasa financial institutions will have the ability, powered by NYDIG’s platform, to offer products from buy-sell-hold to Bitcoin rewards. New Kraken Venture Fund to target early-stage Crypto, tech startups. Rapper Post Malone and his manager, Dre London, have teamed up with social money platform Fyooz to launch a celebrity beer pong league using non-fungible tokens (NFTs).

If you’re frustrated with your institution’s website, there’s hope! In this episode, we talk with two of Kasasa’s experts on digital user experience and website strategy, Gabe Trevino and Anthony Rezendes. COVID-19 has pushed many users into digital channels, particularly the older, more tech-averse demographics. Now that they’ve discovered how convenient and secure it is, they’re never going back. That means the user experience for your website is more important than it’s ever been. Listen to discover the steps you can take right now to get started.Discover FIRSTBranch.Follow Kasasa on Twitter and LinkedIn

Welcome to The Against All Odds Radio Show! Episode 4 brings you on a journey to Moscow, Russia where Sean V. Bradley discusses his business affiliation with official Ex-KGB Officers and gangsters. This week, The Millionaire Car Salesman, Sean V. Bradley, CSP & Co-Host, L.A. Williams, speak with the man who ventured into Russia alongside Sean Bradley. The CEO of Kasasa, Gabriel Krajicek, and how he turned his bank account from $1.34 into Multi-Millions! At only the age of 22, Gabriel was already making waves as a young CEO but always knew there could be MORE, and teaches how “three boxes'' on a piece of paper can change your life and make you MILLIONS!Gabriel shares how he went from dreaming it… to DOING it. He expands on how to build a proper business plan, and most importantly, how to execute it by using his four major business values which caused his 400+ employees to be tattooed/branded with the Official Kasasa Patch, created by CEO Gabriel Krajicek.#Entrepreneurs #PersonalDevelopment #Marketing #DigitalMarketing #Business #MillionaireCarSalesman #MillionaireCarSalesmanPodcast #Podcast  #OrangeTie #Gangsters #Mob #Russia #RussianMob #KGB #Millionaire #Billion #Kasasa #LifeSkills #AgainstAllOddsRadioShow #AAORadioShow #IHeartRadio #RadioDotCom #Radio #ApplePodcasts #Spotify #Alexa #TuneIn #Wealth #BlindMaster #Entertainment #Coaching #LifeCoaching Books:7 Habits of Highly Effective PeopleThe Richest Man in BabylonWin the Game of GoogleopolyFor More Free Resources and Knowledge:Against All Odds Radio Show Listeners & Guests Facebook GroupScarFoodAutoCredit ExpressCar.comKia of BedfordHyundai of BedfordDealer Synergy

Jay Egan - Vice President of Data and Business Intelligence at KasasaHost Catherine Tao speaks with Jay Egan, the Vice President of Data and Business Intelligence at Kasasa.  Jay speaks about the challenges that come with translating complex data to business value. Jay LinkedIn: https://www.linkedin.com/in/jayegan/Catherine LinkedIn: https://www.linkedin.com/in/catherine-tao/For more information about The Data Standard visit https://datastandard.io/The Data Standard LinkedIn: https://www.linkedin.com/company/the-data-standard/

Most people value veterans' service and sacrifice in the armed forces, but it’s far easier to miss the value that veterans bring when they return to civilian life. They represent some of the most dedicated, disciplined, creative employees you could hope to see. If your community financial institution is facing a talent shortage, then recruiting more veterans is a powerful way to strengthen your team's culture and effectiveness.In this episode, I talk with Kasasa’s Chief of Staff Joseph Cabrera about honoring veterans and the lessons of leadership and culture that he learned while serving in the Army.Resources for hiring veterans:https://hireourheroes.org/index.htmlhttps://www.combinedarms.us/ Kasasa LoansKasasa Loan Success Story Book recommendation:Gates of Fire: An Epic Novel of the Battle of Thermopylae Follow Kasasa on Twitter and LinkedIn

Join me on this week's episode of OmniTalk FI as we welcome one of NXTsoft's newest partners, Kasasa! Chris Cohen and Greg Schultz from Kasasa's Product team give us their views on where the industry is headed, what they've learned from the COVID pandemic, and share some surprises they've encountered so far this year.  

This pandemic and the economic aftermath can be overwhelming. But to succeed, we have to embrace business as unusual. Nothing about what we’re experiencing right now is normal, and very little of it feels comfortable, but buried in that challenge is an amazing opportunity to show up for your community and your account holders. All these new challenges can be distractions, or we can use them to help us focus on what really matters.In this episode, we talk with Kasasa’s Chief Operations Officer Vennesa Van Ameyde about what she learned from steering Kasasa through COVID-19 and how you can leverage those lessons to prepare your financial institution for whatever comes next.Learn about Kasasa CareLattice: https://lattice.com/Slack: https://slack.com/Follow Kasasa on Twitter and LinkedIn 

For this milestone episode, CUES Podcast listeners submitted their questions for experts to answer. So instead of featuring one or two experts, this show features seven! Instead of being centered on just one idea, this show covers three areas of major interest to credit unions and their leaders: reopening physical branches in light of the pandemic, reaching and engaging young members, and the future of credit unions 25 years out.Our first question about when credit unions might reopen fully comes at the 5:12 mark from CUES member Ron Kraus, chair of the board of $2 billion Together Credit Union in the St. Louis area. Kraus’s question is first answered by Mike Carter, EVP of CUESolutions Bronze provider Strategic Resources Management, Memphis, Tennessee. A second response is given by Steve Reider, president of CUES Supplier member Bancography, Birmingham, Alabama. Neither expert expects 100% reopening across the country by Thanksgiving and each has ideas about the larger implications of the pandemic on the financial services.The show’s second question is from CUES member Karen Bruce, associate board member at $1.7 billion America’s First Credit Union, Birmingham, Alabama. It's about how credit unions can best reach and engage young members and comes at 12:04.Bruce’s question is answered by three experts: Ben Stangland, president/COO of CUES Supplier member Strum, Seattle; Keith Brannan, chief marketing officer for Kasasa, Austin, Texas; and Jeff Fromm, author of four books and the president of Futurecast, a subsidiary of Barkley, New York. The three say young members are a great opportunity for credit unions and offer ideas for connecting with them.The third and final question in the show comes from CUES member Mary Gray, director of member engagement and programs at $1.8 billion A+ Federal Credit Union, Austin, Texas. It's about what credit unions will look like in 25 years and comes in at 25:06. Two experts with vision provide answers to Gray’s forward-thinking question: Steve Williams, principal with CUES Supplier member and strategic provider for technology and planning services, Cornerstone Advisors, Scottsdale, Arizona, and Chris Skinner, an independent technology commentator at The Finaser blog, the author of several books and chair of the Financial Services Club.Williams says in 25 years there is great opportunity for both large banks and grassroots financial services. He notes four words that come to mind about qualities that credit unions that can stay the course will have—purpose, talent, technology and scale—then elaborates on each. Skinner suggests not trying to compete with big banks but rather standing for something other than shareholders and profit. He believes credit unions have a great opportunity to deliver on this idea.The show also gets into:What listeners whose questions are featured in the show have appreciated about the CUES Podcast A favorite memory of CUES Podcast founder and host James Lenz from the first 100 episodesHow to submit your question for possible use on a future showThe great story about how Jeff Fromm ended up studying young consumers

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 The true purpose of every Christian is to glorify God in all we do. That poses a challenge when we invest. If only there was a way to check up on the companies we invest in, like a free screening tool. Well, fear not because such a tool exists and it allows you to peak inside the stocks that make up your portfolio. Today, host Rob West talks with financial expert Robert Netzly aboutinspireinsight.com. Are we unwittingly allowing the Lords money to be invested in unbiblical places? Whats truly in our portfolios? We need to stop being oblivious to this! Inspireinsight.comallows you to search for your financial product and to learn more about where your company, ETF, and mutual fund are invested. You get all the data, both good and bad. We assign a proprietary score that ranks a company showing how they relate to Biblical values. About 57% of the SP 500 has a positive impact score of companies in which the believer can safely invest. All of our data comes from AI tech that daily scrapes the internet which filters through our database gleaning the important data and categorizing it into useful organization for you. Here are a couple of questions we answered from our callers on todays program: What do you think about Kasasa checking accounts in which you have to keep a large sum of money but it gives you a high interest rate? Should I refinance in light of the crisis that were in? Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources. Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

Think complexity equals security? It’s time to turn that paradigm on its head. Your best defense against cyber criminals are security measures that add to a frictionless user experience by remaining all but invisible — not one that makes things more complicated. But achieving that type of security is easier said than done. In our wide-ranging chat with Kasasa’s Chief Information Security Officer, Hung Lee, we explore the idea of transparent security, as well as new threats in the age of coronavirus, social media hacking, vendor relationships, and more. Note: “FI” is an internal acronym we use for “financial institution.” Celebrity and politician Twitter accounts hacked for Bitcoin. Naked Security blog: https://nakedsecurity.sophos.com/ Follow Kasasa on Twitter and LinkedIn

Even though the marketing world has been turned on its head by the global pandemic there is still a window of opportunity in 2020 that you don’t want to miss. Kasasa’s Director of Digital Marketing Star Exton-Raymor and Alyson Daniel, a Senior Marketing Manager with Kasasa join our show to discuss how community banks and credit unions can still attract new account holders and position their brands for growth, despite the tough economic conditions. Whether or not you work with Kasasa, there’s a lot of great insight on how to pivot your marketing strategy for the remainder of 2020. Full disclosure: this episode focuses on a free service (campaign creation) that Kasasa provides to our clients. We work hard to keep the content of the podcast value-based, and in this case we felt like the tie-in between the marketing challenge that community financial institutions face and the service we provide was too close to separate effectively. Regardless of who you use to get your marketing out, there's some great advice in here on why you should start implementing a seasonal strategy now. Look at some samples from the seasonal campaign. Follow Kasasa on Twitter and LinkedIn

Kasasa Executive Vice President and Army Veteran Joseph Cabrera joins Next Gen Warrior to discuss building strong values within the business, and encourages the Warrior class to continue leading in their communities after their military service is completed.

Launching a new product in the fintech space is a massive undertaking, especially in the ultra-competitive lending space. When Kasasa's Director of Product Management, Greg Schultz and Chris Cohen Executive Vice President of Product were launching the Kasasa Loan it was based on the hunch that borrowers wanted and needed a product they had never seen. In reality, the Kasasa Loan has performed in ways that we barely hoped for, especially in the midst of the coronavirus pandemic. It's changing the entire experience of borrowing money and paying it back — helping consumers reduce debt faster and lowering risk of default for institutions. Watch Dan Ariely's TED talk. Request a live demo of the Kasasa Loan. See the Kasasa Loan in action – download the app from the Apple App Store and Google Play.Username: PresoPassword: Demo Follow Kasasa on Twitter and LinkedIn

New non-interest income (NII) products often hold the promise of stable, consumer friendly revenue for community financial institutions, but the reality is complex. It can be difficult and time consuming to discover which products your account holders want and which partners can help you offer them (or if you have the resources to build it in-house). Our guest for this episode is Kasasa’s Director of Brand Management Julie Roughton, who is our resident expert on the NII landscape and what you need to know before you wade into it for yourself. In fact, we’re releasing this episode in conjunction with the release of our new online marketplace and referral program called Kasasa Care.Learn all about Kasasa Care.The Kasasa ExchangeFollow Kasasa on Twitter and LinkedIn

Bradley speaks with Gabe Krajicek, CEO of Kasasa, a banking technology startup that works to empower community financial institutions. Bradley and Gabe discuss PPP loans and how the pandemic will impact community banks alongside small businesses, a new FDIC rule for third party vendors, and how startups can benefit by working from home.

Chief Technology Officer at Kasasa, Pradeep Ittycheria is an experienced technology executive and entrepreneur with 17 years of experience managing software product engineering teams across a range of industries. Pradeep co-founded Oink, a payments company that targets the under 18 demographic. Oink has over 1.3 million users with an online wallet and a prepaid product in collaboration with Discover Financial. Pradeep has successfully led new product development initiatives using global engineering teams.Follow Pradeep:https://twitter.com/pradeepihttps://www.kasasa.com/kasasa-leadership 

The coronavirus pandemic has many sales-oriented businesses worrying about how to keep the bottom line from bottoming out. Then there's the example set by Kasasa in sharing its treasure trove of useful information. Keith Brannan, Kasasa's Chief Marketing Officer, fills us in on his company's generous efforts,

We place a high value on authenticity here at Kasasa, and by extension Thinking Outside the Vault is no different. That’s why we fell in love with the theme song that our B2B Copywriter Victoria wrote, performed and dropped on our team like an acoustic bolt from the blue. It’s everything our podcast is supposed to be: an accessible, fun, and purposeful. Thinking Outside the Vault is a channel for community financial institutions to explore new ideas and learn practical strategies they can use every day. In this brief episode you can hear the song and discover some of the Kasasa values that Victoria thought about when writing it.  Resources:The Kasasa Exchange Follow Kasasa on Twitter Kasasa’s Patch values

The importance of a national brand remains a controversial topic, especially for community banks and credit unions. You might be shooting yourself in the foot to carry the same brand of product as a nearby institution, or you might be piggy-backing on momentum you couldn’t build otherwise. Craig Raughton, a Senior Vice President with Kasasa helps unpack the issue, based on a real-world case study in greater Nashville area. If you ever heard the term “coopetition” and wondered what it really means, this is the episode for you. Resources:The Kasasa Exchange Follow Kasasa on Twitter Craig’s book recommendations:Love is the Killer App Radical Candor

If Kasasa were a bank branch network, it would be the nation's fourth largest and it says that some time this year it will overtake Bank of America and be the 3rd biggest.Surprised? You bet.  Probably you know that Kasasa has been building up its customer base for digital banking products - checking in particular - but now it is big enough where it's tooting its horn.This"branch network" isn't a consumer facing product - CO-OP Shared Branching it is not - but what's interesting is that lots of FIs, some 907 community banks and credit unions, now have joined together to offer Kasasa products, particularly the free, rewards based checking.And that's also where Kasasa has a real plus - according to company CEO Gabe Krajicek, Kasasa consumers have free access to essentially every ATM in the US. When fees are imposed, the consumer is reimbursed.And that's an enormous perk for credit union members when many institutions have ATM fleets that can be counted on one hand.Think about the enormity of that plus for credit union members in Kasasa institutions.Kasasa also aims to put high quality digital products in the hands of consumers because, said Krajicek, often consumers say they couldn't belong to a credit union because the digital is no good.But what if it in fact is good?  With the right digital products, community institutions can and will survive, said Krajicek.  Along the way, Krajicek- whose company serves both community banks and credit unions - says community institutions would better serve their interests if they recognized that they have more in common and in particular they have in common a shared enemy and that's the money center banks.It's an interesting thesis. So often community banks and credit unions are reflexively Hatfield and McCoy. But what if they joined together to oppose a shared foe?What if?What if cooperation flourished?It's a big vs. small battle, he said.  And nowadays it's becoming a life or death struggle where many community institutions are vanishing.Krajicek tosses out big ideas. Come along for the ride in this CU.0 podcast.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available.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.

Strategic planning is in the air and today we’re taking a hard look at the recommendations we made for 2019. Our guest is Josh Bailey, an executive strategist with Kasasa. He is keenly aware of the issues that weigh on the minds of community bank and credit union leaders. Grab your headphones or a speaker and walk down memory lane with us. 2019 had some big changes in it, and a number of things that only grew in importance. Resources:The Kasasa ExchangeFollow Kasasa on Twitter

When you treat data as a resource, it pays to think about how you manage it and what you can do with it in the future. Kasasa’s Chief Technology Officer Pradeep Ittycheria joins us to discuss some key ways that community financial institutions can leverage data more effectively and partner with vendors who open up new possibilities. Resources:The Kasasa ExchangeFollow Kasasa on Twitter

Amy Gililland-Acosta is Kasasa’s Chief Financial Officer and in addition to her passion for numbers, she is an expert at untangling complex back-office systems and creating order from chaos (she also does an amazing Vanilla Ice impression, but shh, you didn’t hear that from me  — nor is it featured in this episode). If you’ve ever felt despair when embarking on a new systems integration, or simply trying to generate a comprehensive report, have no fear, this episode is for you!  Resources:The Kasasa ExchangeFollow Kasasa on Twitter

Two of Kasasa’s Retail Experience Managers give us a peek behind the curtain on three actual Mystery Shop phone calls with community financial institutions. They analyze what’s working, what’s not, and what you can do to help your front-line staff offer a first-class experience to prospects and account holders alike. Before you click “play” on the podcast, we suggest you start with the YouTube link below (it’s a clip from NBC’s The Office).Excerpt from S5:E7 - NBC's The Office: https://www.youtube.com/watch?v=1QQBB3cwNM0Resources:The Kasasa ExchangeFollow Kasasa on Twitter

In part two of our discussion with Kasasa’s Chief Innovation Officer John Waupsh, we examine a fundamental perspective shift that community financial institutions face as well as some specific areas where consumer expectations just aren’t being met. Now is the time to take stock of your data operation and make changes. Resources:The Kasasa Exchange Digital Banking Report Follow Kasasa on TwitterFollow John on Twitter

Kasasa’s Chief Innovation Officer John Waupsh sets out a clear pathway to success for community financial institutions: one that is paved with consumer data. In this two part episode we cover look at how data management is changing the competitive landscape and the practical day-to-day operations of banks and credit unions.  Resources:The Kasasa Exchange Follow Kasasa on TwitterFollow John on Twitter

Product success and Bankruption in FinTech with John WaupshIn this episode of the product podcast powered by NxtStep, we talk with Chief Innovation Officer at Kasasa - John Waupsh.  Listen in as John talks all about what it takes to achieve product success.  Hear more about John's popular book on the latest in FinTech called Bankruption.   Guest John Waupsh Chief Innovation Officer at Kasasa Show Notes 1:00 - What is Kasasa? 5:00 - What does Chief Innovation Officer mean? 9:30 - Why market research matters. 11:00 - An example from John about how different what customers say can be from what they will actually do. 13:00 - John's take on what makes a great product professional and what it has to do with 3D chess. 17:00 - Why product can be HARD. 23:00 - How do you find product-market fit? 28:00 - How quitting can be a key part of the path to winning. 30:00 -  Why you should pay close attention to your customers voting with their money. 31:30 - Great resources by John. Bankruption: How Community Banking Can Survive Fintech 36:00 - How to get in touch with John. LinkedIn Twitter 37:00 - Bonus product advice from John.  Why you should focus on what you're building and why.

Tim Anderson is the Vice President of Technical Operations of Kasasa, a community financial institution fintech company. Kasasa offers a suite of checking account products for which Tim runs the implementation and support team -- making sure customer data is onboarded properly.When you serve a conservative customer base, the day to day isn’t necessarily a cutting edge revolution in technology -- it’s not about the fintech disruptive hype cycle in an industry that’s by nature conservative. What’s more, disruption doesn’t have to feel like something different. It has to feel like something familiar.Consumers compare mobile app experiences to Uber and Lyft. More staid industries need to be ‘cutting edge,’ but relative to something the customer already uses and understands. Consumers want friendly, personalized service, across channels, that’s convenient, personalized, and consistent. Modern technology helps us get there. See acast.com/privacy for privacy and opt-out information.

Megabanks and neo-banks are hungry for every account holder they can lay their hands on. As an executive strategist Jessica Webb is one of the people that Kasasa sends in to help community banks and credit unions identify their goals and map out a strategy for making it happen.

Today's Podcast discusses something I practiced against my wishes at Bank of America, and which is going on at branches across the land. The denial of a simple free service, notary public service, because it "diminishes sales opportunity". Learn how I, along with the bank as a whole found reasons to blow off those in need of a simple stamp, citing "things wrong with the document" and refusing to do it for anyone who didn't have an appointment. It's the most f-ed up thing for people who are agents for their state Plus a couple of emails about Why the phone is never answered and what I think is the "Mount Rushmore" of crappy departments at BofA. JAMES@WHYYOURBANKSUCKS.COM if you ever have a question or try our podcast voicemail line for questions and comments about big banks, 575-322-4127 MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Brian Moynihan was channeling his inner Dr. Cocteau last week when he announced at a conference that eventually he would like a "cashless society". What happened after those comments were made was simply astounding. Crypto advocates saw it as BofA coming to their side, and other news sources mentioned that cash is still king in a lot of places. But did he really mean what he said? I think so, but not in the way you think. He wants us all to be Swedes... What? People think he meant crypto, but he really meant... your kids piggy bank? Machines that shake pieces of paper to eliminate people shaking paper deposits? Surge pricing for illicit purchases or late night purchases? Declining what BofA THINKS you don't need? He who has the controls of Cashless Society can make the decisions. Your money is at stake, you should listen to this somewhat humorous perspective from someone who used to get bonuses for making you cashless! Be well and don't violate the verbal morality statute! (Demolition Man reference). Links below Yahoo article about Moynihan Comments https://finance.yahoo.com/news/bank-of-america-brian-moynihan-cashless-society-210717673.html Bitcoinist Article about comments (horribly slanted to be pro crypto propaganda) https://bitcoinist.com/ceo-of-bank-of-america-we-want-a-cashless-society/ Fortune article about comments with some interesting insight about where BofA is coming from http://fortune.com/2019/06/19/bank-of-america-ceo-cashless/ MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Opening mentions the rescue of another $3000 with Vigilante Customer Service!!! We take on Evil Zelle and Bank of America and win for Jessica and Aaron!! Facebook gets into crypto! The app known for sharing memes is about to embark on a journey to take on Big Banks. With Partners like Visa, MC, Uber, and Paypal, Facebook looks to be more than a time suck. They want to be your financial institution. Learn why I think toothpaste when I think Libra, and also learn why I think since BofA and Wells aren't partners, they will target those who use their banks for Libra just like they do for Crypto. Also learn about Saturday's Target CC Outage, and how it gave me PTSD Flashbacks of the 2013 breach! Learn how closures of banks will lead to clients without debit cards for weeks when it's found out that this was more than a maintenance error! Learn why press releases mean nothing here. Facebook Libra Story https://www.cnn.com/2019/06/18/tech/facebook-libra-cryptocurrency/index.html Target Outage https://www.usatoday.com/story/money/2019/06/16/target-outage-caused-error-made-during-regular-maintenance/1471049001/ 2013 Target Breach http://techland.time.com/2013/12/19/the-target-credit-card-breach-what-you-should-know/ MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Today's Topic: "Meet the new boss, same as the old boss" ZELLE! We talk about an NBC Nightly News Segment outlining fraud and Zelle... Things I have told you about for weeks and months! I play clips of the report, and give my honest feedback of it. Note: They missed one GLARING thing about Zelle's sucky-ness! You will hear me yell(e)!!! Before that, in honor of Flag Day this week, I discuss how a Twitter Follower reminded me of an incident at my branch with our American Flag and Flagpole that will upset a lot of people. (Blame Management) Plus, I respond to an email who claimed that I must've sucked at my job to be complaining about banks all the time now. I respond (Spoiler Alert: He's not totally wrong.) Tons of bank smack talking fun in this episode. Our mission: To destroy Zelle and get it out of our lives!!!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Less than a year ago, Chase decided to try to CON....(Cough)... convince millennials that they were cool by setting up a mobile app only bank account called Finn. Finn sounded like the kid with the drugs at a party. It was cool for a while. Access to a lot of ATM's. Emoji (WTF?!?) used to help manage your money. Sounds neat-o, cool kids.... Then they realized only 47,000 people signed up for it, a lot of them mainly for the $100 bonus they were offering. To put into perspective, BofA has about 65,000,000 clients. Wow. What a bomb. Today's podcast is about the failure of Finn, but more about why you shouldn't BS young kids who are fierce on social media about products and services and lose trust very easily. Learn how banks ignore the fact that young people CAN have a lot of money and a lot of reasons you should want them, even if they don't go to college. Learn how Chase probably did themselves a favor by giving these young cats a free account (for now) and invite them into the branch to learn more about the Finn expats. OMG, this pod is all about DTF.... Umm.. Death to Finn. Pervs. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Part of my Podcast and Twitter Project has a goal: To get Zelle eliminated as a service option at all banks. It's a scary, scammy way that banks concocted to have people transfer money person to person. Today's podcast will mainly discuss the lack of support that Banks have for fraudulent activity that happens to their clients using Zelle, citing their non-association (omg) to the third party application THATS EMBEDDED AND PROMINENTLY Advertised in their app and all their banks!!!! Our voicemail caller Anthony, shares his ordeal, and how Host James Baca found a way to rescue his money from Zelle Hell(e). Also, how do I equate Zelle to the rise of the adult movie industry? What? James you are crazy. It's a good listen about a bad product. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. For a little more money, you will get a lot of free swag from me :) http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

I discuss National "I hate my gym" day, which was this past June 1st as people from all over the country paid an annual fee that they were never told about for a gym membership at Planet Fitness. Learn how banks treat these "Recurring Payments" and how, as an avid gym-goer myself, always saw the negative experience that both gyms and banks provided when an issue occured. Plus we have two voicemails. One from old Friend Sean White and one from Porscha, who allowed us to help her with our vigilante customer service which allowed us to RESCUE $645 from Bank of America for her.. Learn how on today's show. Thanks so much for all the love and support!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. For a little more money, you will get a lot of free swag from me :) http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Today's podcast is simple. 3 listeners emailed me with some questions, and I answer them about my project, Why Your Bank Sucks! Emails include a question about what I have dubbed "Vigilante Bank Customer Service". I detail how I am rescuing money from big banks for my listeners. I also announce the launch of my PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. For a little more money, you will get a lot of free swag from me :) http://www.patreon.com/whyyourbanksucks Plus, a listener asked me for a brief bio, which I give :) I care a lot about my followers...my clients. I thank you and thank them for listening and contacting me! Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Bank of America celebrates it's virtual assistant, "Erica's" one year anniversary by giving a bunch of stats to the general public. Although the stats show that it isn't a success at all Learn in this podcast that only 10% of the customers at BofA use the tool that will eventually replace customer service. You will also learn that a lot of people over 40 are not adopting it, which causes the long lines and poor service at understaffed branches. You will also hear how "insightful" Erica is about your money, and learn how 37 million people have mobile banking, yet 27 million use it. Those 10 million people... Hmm..Something unethical happened! Also learn that Erica has jokes but barely tells them, and that Erica doesn't give a damn, or at least shouldn't give a damn about your birthday. I waste a lot of breath talking about something that is a waste of phone space :) Links included are BofA's press release and PDF about how "awesome" Erica is... https://newsroom.bankofamerica.com/system/files/Erica_by_the_Numbers_Infographic_%28May_2019%29.pdf https://newsroom.bankofamerica.com/press-releases/consumer-banking/bank-americas-ericar-completes-more-50-million-client-requests Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Warning: This podcast has a lot to do with death and planning for death as it pertains to finances. Very sensitive subject. Today's podcast was brought on by some personal loss. I lost my Grandmother 3 days ago, and a Great Uncle a couple weeks ago. I discuss how an observation in my grandmother's house the final time I saw her brought on memories of how my former company, Bank of America handled deceased customers account. Learn how the phrase "Eew" is apropos for their Enterprise Estate Unit (EEU) which handles their deceased clients accounts. I share stories of customers I lost, and using those stories as examples for what you should do if you are preparing for end of life, or having a family member prepare for it. THERE ARE 2 VERY IMPORTANT SUGGESTIONS TO HEAR IN THIS PODCAST!!!! Learn how Bank of America held $29 for several months because my client chose to accidentally die in another state, and learn how Bank of America asked for a 40 year old death certificate from a person that was never technically their client. This was a tough podcast, but I think you should learn something. Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Today we touch upon the interesting subject of being introduced to credit cards. I discuss how my grandma overspending in the last 1980s was my first introduction to credit cards, and how her use shaped my life going forward. Then, I discuss the most interesting Bank of America story I read in a long time. Did you know that Bank of America invented the credit card? Did you know that Bank of America sent 60,000 credit cards with today's equivalent of $4,000 on them to people who didn't want them, ask for them, or even knew they existed? Did you know they sent them to one small town in 1958 where people weren't as financially savvy as a big city would be? Did you know that although the initial project failed, it led to a world where we OWE BANKS NEARLY 1 TRILLION DOLLARS? Poor Fresno, CA. They didn't know what hit them. I discuss how the hell something so bizarre in forcing credit onto people led to the way you now bank! It's an interesting listen to say the least. Works Cited: https://www.washingtonpost.com/archive/lifestyle/magazine/1994/11/04/the-day-the-credit-card-was-born/d42da27b-0437-4a67-b753-bf9b440ad6dc/?noredirect=on&utm_term=.8e14aad763cf http://mentalfloss.com/article/63342/disastrous-story-first-credit-cards https://www.mercurynews.com/2008/09/12/50-years-later-how-the-credit-card-has-changed-america/ https://99percentinvisible.org/episode/the-fresno-drop/ Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Before we discuss Mental Health & Banks for a second time this Mental Health Awareness Month, Host James Baca talks about how he decided to start this podcast after his firing from BofA. James also is proud to announce the partnership with our friends @kasasa! Today's podcast hits deep, where we discuss moments of pure despair while working at Bank of America and how that severely impacted my view of working there, showed me the apathy of unscrupulous sales managers, and showed me that even when things are great, they will tell you that you don't pass the smell test (sigh). A very hard but necessary part 2 to this podcast I started a couple weeks ago. National Suicide Prevention Lifeline Call 1-800-273-8255 Our podcast today is brought to by our friends at KASASA! Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :) 575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright. Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man" "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US" ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

John Waupsh, Chief Innovation Officer at Kasasa, has written an outstanding book entitled "Bankruption" about how FinTech's impact on community banks and what our response should be. There is no sugar-coating in his words, but the insights are very rewarding. This is a must-read for community bankers...regardless of title. Check it out on Amazon here: https://www.amazon.com/Bankruption-Community-Banking-Survive-Fintech/dp/1119273854/ref=sr_1_1?ie=UTF8&qid=1550861516&sr=8-1&keywords=bankruption

Symbols connect to us emotionally.  They’re powerful tools in relating ideologies that convey, challenge, and create culture. On this episode, Gabe Krajicek, CEO at Kasasa, talks with us about “The Patch”, the symbol used by leadership at Kasasa to communicate a powerful cultural message that changes the work environment. Gabe says there’s powerful wisdom in understanding how each element relates to one another.  He learned the importance of culture creation from his father, and he hopes to build a culture that transcends and outlasts him.

I'm really excited about this episode. I had the honor of interviewing Gabe Krajiccek of Kasasa on one of our mutual pet topics...culture. Here, he gives some very practical and pragmatic advice on how to change and implement the kind of culture you want in your bank. If there is a "must-listen" in our short lifespan here at the podcast...this is it!

This is the second episode of AML RightSource's new podcast, AML Conversations. Our second episode features John Byrne, former ACAMS Executive Vice President and current AML RightSource Vice Chairman and Board Member, discussing the intersection of fintech and community banking with John Waupsh, Chief Innovation Officer at Kasasa, and author of “Bankruption: How Community Banking can Survive Fintech.”

Boyd Hemphill, CTO of Victory CTO, and Christa Meck, a ScrumMaster at Kasasa, share their experience helping operations teams through their Agile journey. Operations teams typically struggle to make and keep commitments larger than a few days due to the myriad of break fix, operational change, and tuning work that happens on a daily basis. Recorded live at Keep Austin Agile 2017. The Agile Amped podcast series brings Agile news and events to life. Fueled by inspiring conversations, innovative ideas, and in-depth analysis of enterprise agility, Agile Amped provides on-the-go learning – anytime, anywhere. To receive real-time updates, subscribe at YouTube, iTunes or SolutionsIQ.com.Subscribe: bit.ly/SIQYouTube, bit.ly/SIQiTunes, www.solutionsiq.com/agile-amped/Follow: bit.ly/SIQTwitterLike: bit.ly/SIQFacebook

This Episode’s Focus on Strengths Today's episode is a unique opportunity to hear from someone who has already been there, and done that - Lisa's Grandma Venetta. Lisa interviews her Grandma to get valuable insight into better ways to value your own life experiences, use your own strengths, and see the good in others. In my opinion, this is one of the best podcast interviews yet, because it includes real-life lessons that you can immediately apply to your own life.   What You’ll Learn In This Episode There are five lessons you will learn in this episode, and they can be applied to both your home and work lives. Lesson 1: Stop The Fussin' And A Fumin' Show respect for everyone, regardless of their title or position. Be a bridge builder between the various people at your company. Listen to what employees and managers are saying, and help bridge the gap between them. Remember that relationships are important, even when you are busy. Treat people like they want to be treated. Treat people like they matter. Stop taking yourself so seriously. One of our favorite companies here in Austin, Texas is Kasasa. They have some great examples in this video about humanizing the workplace. They have a good time, and it helps people get more done because they live out their values and respect each other. These are not pedestrian kumbaya games. They have a wooden spoon challenge and a hula hoop competition that I'd like to join, even though I don't work there. Lesson 2: Your "Fastest Zipper Sewer" Skill Be on the lookout for your unique skills and talents. Notice what works for you and leverage the heck out of it. You'll have more moments of success and high energy. Help your team members do the same. Recognize someone on your team for something. It could create that moment that they'll remember for the next 50 years, just as Grandma Venetta remembers the moment she was declared the "Fastest Zipper Sewer" in the Midwest. Create fun, unique titles and awards for your team, such as "Fastest Zipper Sewer". It doesn't have to be fancy or expensive. In another awesome Kasasa video, you can see how they give recognition for employees showing their badassitude and living out their other "Patch" values. Lesson 3: Your "Cancer is Contagious" Kindness Factor Grandma Venetta's family moved an uncle into their home. He had cancer, and they moved him in, even when they thought it was contagious, because that was the kind thing to do. You should do anything you can for your friends and neighbors (and co-workers too). Find what your "Cancer is Contagious" kindness factor is. Here are some ideas: smile first thing in the morning, even when you're tired; hold the door for others, even though it will delay you by a whole 14 seconds; volunteer to call the customer with difficult news because you are the one with the best relationship, even if it's not your job. These are moments when you can be proud of yourself. Lesson 4: Actions, Not Words Your values and expectations are all shown through your actions. Remember that people are always watching you, so they will know who you are, what you value, and what you expect from others. Everything you do shows them how to interact with you, and what you expect from the culture at work. Remember these things when you walk through the door in a bad mood. Lesson 5: Feeling Lucky No Matter What Grandma Venetta accidentally ran over herself with her own car, but that didn't stop her from driving. She only stopped when she was afraid of hurting others. Rather than feeling sorry for herself about the medical issues, she finds amusement in the absurdity. She quickly moved to the gratefulness for the lack of serious medical issues. Even though Grandma Venetta is unable to drive now, and has to ask family to take her places, she still feels lucky to be alive, and to have family who loves her and is willing to care for her. Even though she still hates asking for help and feeling like a burden, she chooses to focus on feeling lucky for being loved. Look for the good in things, even when you are stressed at work and feeling overwhelmed. Step back, get some perspective, and find some good in what you do. This will help you feel lucky and happy for what you do have. Grandma Venetta says to live every day like it's your last. Your life is always going to have its ups and downs, but if you focus on the good parts, it makes it much easier to deal with the challenges. Resources of the Episode Here's a fascinating compilation of elder wisdom. It's actually one of the things that inspired Lisa to travel to St. Louis to interview her grandmother. It's called The Five Regrets Of The Dying. Of course, the lessons are different from this episode because most of the subjects knew they were dying. In the book, Bronnie Ware tells stories of caring for people in their last weeks or days on earth. Not surprisingly, one of the key lessons is, "I wish I hadn't worked so hard." My favorite is, "I wish I'd had the courage to live a life true to myself, not the life others expected of me."   That concept is in perfect alignment with what we teach in StrengthsFinder training events. It's about finding your personal yearnings and natural talents so you can build a life that feels rewarding and energizing. If you spend a lifetime taking jobs that impress other people, you might just look up in your 80's and realize that you didn't impress yourself at all.     Subscribe To Lead Through Strengths To subscribe and review, here are your links for listening in iTunes and Stitcher Radio. You can also stream any episode right from this website. Subscribing is a great way to never miss an episode. Let the app notify you each week when the latest episode gets published.   StrengthsFinder Monthly Training For Managers If you’re a people-manager and you want to sharpen your strengths based support, come join our monthly virtual training. We don’t charge for this because we want to help you keep the StrengthsFinder momentum going. Teams who receive strengths feedback have 8.9% greater profitability. Yowza! Sounds like a great reason to join. Source:  Asplund, J., & Blacksmith, N. “Strengthening Your Company’s Performance.” Gallup Business Journal.   Go Live Your Talents Remember, using your strengths every day at work makes you a stronger performer. If you place a lopsided focused on fixing your team’s weaknesses, you’re choosing the path of most resistance. Go claim your talents and share them with the world! Read The Full Conversation Grandma Venetta: [00:00:25] I’m Venetta Joedicke. I used to be a supervisor in garment factories; just getting old and creepy. I need to find something to do. [laughs] Lisa Cummings: [00:00:38] So, you just heard my grandma’s voice. Is she cute or what? As you can tell, this will not be your usual Lead Through Strengths interview. So, when I do StrengthsFinder training events we often get on the topic of personal legacy. And so, I often ask people about their rocking chair moments, when they’re my grandmother’s age, what do they want to be proud of when they look back. [00:01:03] So, I thought it would be fun to interview her and see what someone who’s really in the rocking chair phase does look back on, and what do they see as important in life and work from that perspective. So, you’ll find, as we open the conversation, just like many of us, she was attracted to promotions for the same reasons high achievers today are attracted to promotions, because she wanted more money. [00:01:28] And one of my favorite viewpoints on this topic comes from Marcus Buckingham. He warns people to not just look at the adornments of a job, like titles and money, but to really be focused on the activities of a job, what it’s like really doing the work. So let’s fast-forward back into your insights from Grandma and what it was like being the breadwinner when that wasn’t a very common thing to see. [00:01:58] Okay, since you brought up garment factories and being a supervisor, let’s talk about that first because I think it’s so fascinating that back then – when was back then when you actually were a supervisor of people? Grandma Venetta: [00:02:11] Probably about 1965. Lisa Cummings: [00:02:13] What made you want to be in a role like that at work? Grandma Venetta: [00:02:17] More money. [laughs] After I had been supervisor for a while and work was getting slower, I went up and worked with our designer on new things. I learned a lot from him. I was the only one, I think, that they ever had as an operator and supervisor that went into the designing with him. Lisa Cummings: [00:02:40] A special job? Grandma Venetta: [00:02:41] Yeah, it was more of like one of them that you’d like even if you didn’t get paid any more. Lisa Cummings: [00:02:48] Did they pick you for that or how did you know that that was available? Grandma Venetta: [00:02:52] Oh, they came by the machine when I was working with a girl one day, and they said they wanted to see me in the office, and I thought that probably I was going to get laid off. But as it turned out, Jack Hefner was our plant manager and he’s the one that came and got me. He talked for a while and he said, “What do you think about being a supervisor for us?” So, I told him yes, and that was the beginning of it. I was basically just turned loose to learn how to talk to people. Lisa Cummings: [00:03:25] That’s not so different from what happens today all the time. I talk to new managers and they were really good employees, and then they get promoted and they just have to figure it out. Grandma Venetta: [00:03:34] Mm-hmm. Lisa Cummings: [00:03:35] How did you learn how to figure out people and how to get their best out of them? Grandma Venetta: [00:03:40] Getting along with people was more… I paid attention and listened to what the workers said, along with the supervisors, and tried to work as a bridge between them. It just seemed the right thing to do. I’m the go-between. [laughs] Lisa Cummings: [00:03:56] You’re a bridge builder, family, work, everywhere in your life. Grandma Venetta: [00:04:01] It didn’t hurt me. I’m going to be 85 right away and I guess it’s alright. Lisa Cummings: [00:04:07] I think you do that in life in general that you’re a really good listener and observer, and you figure out what other people care about. Grandma Venetta: [00:04:16] I think maybe you’re right because I cared about all of them. It nearly killed me to lay somebody off. In fact, they used to tell me I was too big a softy, but it was always I treated people like I wanted to be treated. I think it really works out that as long as you do that, you may not have a perfect life, but who does? And yours’ can be a lot brighter if you’re not fussing and fuming with somebody. Lisa Cummings: [00:04:44] I like that. No fussing and fuming around. Grandma Venetta: [00:04:46] Yeah. [laughs] Lisa Cummings: [00:04:48] Oh, that’s making me think of another interesting piece of the story. I remember you telling me once that you were the breadwinner in the family. And that must’ve been a really weird dynamic for those times. What was that like? Grandma Venetta: [00:05:02] It was kind of rough at times. It used to make Emil [Venetta’s husband] aggravated because I made more money than he did, and he thought the man was supposed to be the one that did all the work but he never refused me going to work. Lisa Cummings: [00:05:17] How did he handle it? Grandma Venetta: [00:05:19] I think the best thing that describes it was I worked days and he worked nights. We didn’t have to worry about a babysitter then. It was just something that we just automatically… we met in the hallway one morning, one going in and one going out. Lisa Cummings: [00:05:33] Almost like a team to be able to figure out how to do what you had to do, huh? Grandma Venetta: [00:05:38] Yeah. Lisa Cummings: [00:05:40] Let’s talk about good work memories. Tell us about some recognition you received that you remember, or a work situation that you were most proud of. Grandma Venetta: [00:05:49] I got the notice of being the fastest zipper sewer in the St. Louis area. Lisa Cummings: [00:05:56] Oh, my gosh, I love that – the fastest zipper sewer. Grandma Venetta: [00:05:59] Yeah. Lisa Cummings: [00:06:00] I want to say fastest zipper sewer in the West but it wasn’t really in the West, in the Midwest. Grandma Venetta: [00:06:04] Yeah. Lisa Cummings: [0:06:05] What are you most proud of? Grandma Venetta: [00:06:07] It means a lot to be able to look back at your family and think about things that they did. I remember when my Uncle Perry had cancer, a couple of weeks later mother and dad went up and they moved him in with us. And back then, mother was so sure that cancer was contagious. Lisa Cummings: [00:06:29] That’s the most wild thing to even imagine today knowing what we know. Grandma Venetta: [00:06:36] Mm-hmm. Lisa Cummings: [00:06:37] So, when you look back, what lesson do you feel like you learned? Grandma Venetta: [00:06:41] You want to do anything you can for your friends and neighbors. Lisa Cummings: [00:06:46] You’re kind of reminding me of a song lyric. It’s one of Jewel’s lyrics, and she says, “Only kindness matters.” It reminds me of that when you’re talking about being helpful, be a good neighbor, be a good friend and family member. How do you react to that song line? Grandma Venetta: [00:07:05] I think it’s appropriate. You should be good to your friends and neighbors. It’s going to make you a better person because you put out the extra effort to take your batty and along with your own problem that you had. Lisa Cummings: [00:07:19] This reminds me of what you told me about – tell me if I get this wrong but I’m paraphrasing how I understand grandma philosophy – that you have good stuff and bad stuff, and you’ve always focused on what’s good. How did you come to that philosophy? Grandma Venetta: [00:07:36] Oh, I think a lot of it had to do with my mother and dad. When I got out of school she took me over and talked to the boss and he hired me then as just a worker. Lisa Cummings: [00:07:48] Was that your first job? Grandma Venetta: [00:07:49] That was my first job. Lisa Cummings: [00:07:51] And how old were you? Grandma Venetta: [00:07:52] Thirteen. You know, it was right after the end of the war. I always figured that if people thought enough of me to hire me then I should do as best I could. Lisa Cummings: [00:08:01] I can tell in you that you’ve always put your best effort. So, you’re a little bit of a rule breaker or at least a little stubborn and you don’t want help from anybody. I know that you’ve passed down this gene to me because I have a real independent streak as well, and I feel proud that I can take care of myself, some of those things that came from you. Where do you think you got it from? Grandma Venetta: [00:08:22] I think from my mother. Mother was so persistent that I think she kind of drilled that into me, and not by saying anything but just by doing, because she would work at the factory, she’d take in laundry, she would do ironing for people, she cleaned house for people. I know that she worked Saturdays all the time. Lisa Cummings: [00:48] I love the lesson of instilling that in you through actions, not through trying to tell you but by showing you. Grandma Venetta: [00:08:55] Yeah, she always thought she had a duty to us kids. Lisa Cummings: [00:08:59] It sounds a lot like you, that you keep those things to yourself and you’re very humble and you instill a lot of good lessons, and you probably look at your kids and say, “Hey, look, I have a nurse and a pharmacist, and people who owned construction companies, and they’ve all found their way to make their way in the world.” And you can be really proud of them, and you didn’t go tell them who to go be, right? Grandma Venetta: [00:09:22] No, I never told them who I thought they should be. I thought that had to be their decision. Lisa Cummings: [00:09:28] How do you teach people about values? Grandma Venetta: [00:09:32] Basically, just by showing them. Back to the same old basics, as long as you do right and do the best you can toward anybody, I think that you’re more satisfied, the people around you are more satisfied, and that’s what you really want. You want people that like you for you not because of what they can give you or something like that. Lisa Cummings: [00:09:54] It’s the same at work, it’s the same with friends, it’s the same with family, isn’t it? Grandma Venetta: [00:09:58] Mm-hmm. In my opinion, it is. Lisa Cummings: [00:10:01] So, one other last thing, you’ve said to me something about figuring out how to appreciate what you have right now because you never know when you’ll lose it all, whether that’s thinking about your job or your life and your happiness right now. Say more about that. Grandma Venetta: [00:10:18] Well, I think that’s true. You should live everyday like it’s going to be your last because you don’t know it may be. You never know when the loved one that you have might pass away or might get sick. When I get to thinking back, I think about how lucky I am. I had cancer. It never flared back up. And I had a pacemaker put in, and it worked great. Now I’ve got a valve in my heart and I’m sure it’s okay. I hate having to ask the kids to take me places. I decided not to drive. I supposed I’d maybe hurt somebody else. I gave the keys to the kids. Lisa Cummings: [00:10:59] What might be important? Because people listening to this might not realize that you only stopped driving when you were afraid of hurting someone else. But when you ran over yourself trying to get into your own car, that didn’t stop you from learning to drive. [laughs] Grandma Venetta: [00:11:14] [laughs] Yeah. I still don’t understand how I did it. Lisa Cummings: [00:11:18] [laughs] Who else has a story where they ran over themselves? That takes talent. Grandma Venetta: [00:11:23] Yeah. [laughs] Lisa Cummings: [00:11:24] I bet anybody who’s hearing this, who doesn’t know how it all goes down, is thinking, “How is that even possible?” But I can just imagine you hanging off of the running board and trying to reach in and put it into gear, being half in and half out. Grandma Venetta: [00:11:38] Yeah. Lisa Cummings: [00:11:39] If that doesn’t make you feel like Wonder Woman. Grandma Venetta: [00:11:40] That’s what I did. Lisa Cummings: [00:11:42] I like it. I thank you for the stubbornness you’ve given me and the independent spirit to be able to just figure things out. Well, I really appreciate getting to do this this way. It’s really fun to hear your stories and I know we don’t talk usually as much about work kind of stuff. Usually it’s more fun family, weaving that stuff in, or tales of your childhood, so it’s kind of cool to get a new angle this way. [00:12:09] But I think it’ll be fun for people to hear what it’s like from the perspective of somebody who worked in a day that when we didn’t have all the technology to help us where we want to get. And you really stripped it back to the simple human interactions that matter. Grandma Venetta: [00:12:24] That’s something that I’m proud of if it helped you. Lisa Cummings: [00:12:28] Well, I hope you think my grandma’s insights are useful as I do. There’s so much perspective to get from people who have been around the block already. And I want to offer you a recap of five key lessons that I think you’ll find useful from my grandmother. [00:12:46] So, lesson one is stop the fussing and the fuming. That was so cute. So, rather than working in dysfunction, be a bridge builder. Show respect regardless of people’s levels and titles in your organization, and remember that relationships are important even when you feel too busy to give them attention. [00:13:08] Lesson two is to find your fastest zipper sewer moments at work. Now, even if you don’t get an award that shows your best skills and talents, you can certainly be on the lookout for your skills and talents. And, hey, you can make up whatever award or rewards you want for people that you work with. I mean, come on, fastest zipper sewer in the West? You can make up something like that for your team. [00:13:31] And this gets to the heart of strengths-based career development. If you all notice what works for you and you leverage the heck out of it, you’ll have more moments of success and high energy. And the same goes for you noticing those things in others. I mean, isn’t that cool? She remembers almost 50, 50, five-zero, years later some recognition that she got at work. [00:13:53] So, especially for those of you in a people manager role, doesn’t that say something huge about the ripple effect you have on the world? Every person reading the notes to this episode has the power to recognize someone for something great they did at work. And who knows, maybe you’ll be part of their rocking chair moments 50 years later. [00:14:13] So, lesson three, what’s your cancer-is-contagious kindness? I mean, I don’t know about you but, whoa, did you catch that story? I mean, just the notion that people thought cancer was contagious kind of blew my mind but then go beyond that. My great grandparents were convinced that it was contagious yet they still took in family members into their home to care for him. [00:14:37] If you apply this on a work scale, think about simple acts of kindness. Are you taking time to smile and look people in the eye? Are you holding the door when someone is 10 steps away and you could’ve just walked in, but instead you wait 15 extra seconds, and you hold it open for them? Do you volunteer to call a customer with difficult news because you’re the one on the team with the best relationship even when that call is not going to be something you look forward to? [00:15:03] Those are the moments when you look back that will make you proud of the actions you took, and make you proud of the person you were becoming. Speaking of actions, lesson four, it’s about actions not words. Just like grandma said, your values and your expectations are shown through your actions. Throughout the workday you’re constantly teaching people what your values are and what your expectations are and who you are. Those are all shown through your actions. [00:15:30] When you’re a leader, people are always watching you. And because of that, everything you do is showing them how to interact. It’s showing them what you value. It’s showing them what you expect of that work culture. It’s great to say what you expect, and what’s more important is that your words and your behaviors actually match up. [00:15:51] And the fifth lesson is feeling lucky. Can you believe that she singlehandedly ran over herself with her own car? I know this may just be completely crazy when you read about it. You can’t even imagine how that is possible, but she did do this. She got in the car and was halfway in it, put it in neutral and then it started rolling backward. She fell out and it ran over her. Crazy! [00:16:16] But even more wild than that is that she has been through a lot, lot more, and she still feels lucky. She still looks for the bright spots every day to keep perspective and remember what’s going well. This reminds me a lot of the challenge that I set for people in my workshops to make it really practical: it’s to go catch someone doing something right. [00:16:39] You know, there’s such a negativity bias that’s natural in people’s minds and it’s easy to get overwhelmed by stress and too many meetings, too many emails, too many requests for TPS reports. Yet, if you step back, make yourself get some perspective. You can always find some things that are going right and celebrate them. So, get out there and catch someone doing something right. [00:17:00] Well, I think that’s the perfect transition out. When you lead through your natural talents you automatically keep your superpowers and your energizing work moments in front of you. It helps you remember why your colleagues are lucky to have you around and it helps you see the same in them. [00:17:18] So, thanks for reading this episode of Lead Through Strengths, and if you want to get some more practical ideas for building a strengths-based culture join our virtual training series. It’s at LeadThroughStrengths.com/monthly training. It’s usually the second Tuesday of each month. No charge the first couple of hundred people because it’s our monthly pay-it-forward event, and I personally come on camera and meet you with your fellow managers and strengths champions, and we meet up live for 30 minutes, and I give you some tools to apply the strengths-based approach in your workplace. [00:17:47] So, with that, remember, using your strengths makes you a stronger performer at work. If you’re putting a lopsided focus on fixing your weaknesses, you’re choosing the path of most resistance. So, instead, claim your talents and share them with the world.

GABE KRAJICEK - PART TWO This is part 2 of our interview with Gabe Krajicek the CEO of Kasasa. If you missed Part One of the interview, make sure you listen to that episode first. Gabe explains more about Kasasa and how they are taking on Goliaths. Today we talk with Gabe about company core values. Kasasa lives and breaths their core values. Instead of empty words on a page, Kasasa decided to take a different approach to core values. They created a shield, which represents their four core values: Interdependence, Five Star Leadership, Love, and Badassitude. Kasasa will even pay if for someone to get a Kasasa “shield” tattoo. In today’s episode, we talk about how Gabe became obsessed with company values and culture. Listen in and learn why Gabe focuses on core values and culture. Today’s Topics Include: ● Why being obsessed with culture changes the outcome of the business ● How to create a culture that lasts ● Culture starts in the heart of the leader ● Why he created a symbol for their values ● How having and renewing their symbolic values affects Kasasa ● What does it look like to test and challenge employees on the company’s values? ● Who makes sure the best ideas float to the top? ● What kind of leader do people lean on? ● The difficulties of growing a culture with an organization ● How to operationalize culture and values ● An interesting concept….Badassitude More great leadership and business podcasts

The story of David and Goliath is a classic business fable. The big guy takes on the little guy...and wins. It sounds great, but how do you actually do it? Our guest today, Gabe Krajicek, is currently taking on some of the largest businesses in the world. As CEO of Kasasa, he’s taking on the likes of Wells Fargo, Bank of America and Chase. Kasasa partners with community banks and credit unions to wage a war on Mega Banks. Today, Kasasa’s partners make Kasasa the 6th largest bank in the country - and they are still growing. However, the journey wasn’t always easy for Gabe and Kasasa. At one point, Kasasa had three months of runway when regulators notified them their product was illegal. In this episode, Gabe talks candidly about that moment and the steps he took to from there to take on the Goliaths of the banking world. Today’s Topics Include: How the road to heaven does go through hell. What makes it a day trip or a daily trip? Scattered focus leads to scattered results What happens to your company when you have crystal-clear focus Gabe’s doubts in challenging the largest banking institutions What a mentor told him when he was ready to quit The subtle and not-so-subtle clues leaders can give to cause buy-in and alignment What does Kasasa mean? How did they come up with name? The “-ER” marketing strategy that causes many companies to fail The way uniting small financial institutions creates competition with Mega Banks The role market research has played with Kasasa and their growth If customers vote with their wallet, not research, how do you know what will work and what won’t? More great Leadership Podcasts

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