Digital Banking Podcast

Tyfone
  • 5.0 (4)
  • Technology
  • Updated Semimonthly

The Digital Banking Podcast is powered by Tyfone. Tyfone is a dramastically better digital banking provider. Our appeal is unique, we collaborate closely with our customers and the banking ecosystem in an open approach coupled with a powerful user experience that helps “get things done”! On our podcast you will hear how digital banking plays a leading role for community minded financial institutions from the unique perspectives of our industry expert guests.

  1. 2d ago

    We're in a trust recession – AI is making it worse, with Alice Sesay Pope.

    In the latest episode of theDigital Banking Podcast, host Josh DeTar of Tyfone welcomed Alice Sesay Pope, a customer experience executive and author who spent her career transforming service organizations at Capital One, Visa, USAA, and Amazon. Pope trained as a chemical engineer before moving into financial services, where she learned to pair rigorous process design with the soft skills that let frontline employees actually help people. Pope described the current moment as a "trust recession," pointing to Pew Research showing that the population using generative AI tools the most also trusted it the least. She and DeTar traced how quickly usage grew anyway, citing a TD Bank survey in which the share of consumers using AI to help with their finances jumped from 10% in 2025 to 55% in 2026. DeTar shared his own experience with SoFi repeatedly pitching him student loan refinancing despite never having attended college, an example Pope used to illustrate how disconnected data could be from an actual customer relationship. The conversation turned to what financial institutions could do about it: building an enterprise-wide view of the customer instead of operating in departmental silos, offering secure and accurate generative AI tools of their own so members did not have to hand statements to outside platforms, and knowing when a human interaction mattered more than an automated one. Pope closed by connecting the discussion back to her book, The Trust Algorithm, and her belief that institutions willing to build the right guardrails could still earn back the trust AI had put at risk.

  2. Oct 2

    The CU that refinances the same debt 3 times, on purpose, with John Felton.

    In the latest episode of theDigital Banking Podcast, host Josh DeTar of Tyfone welcomed John Felton, CEO at Southern Chautauqua Federal Credit Union. Felton's parents helped found the credit union in the late 1950s, and he grew up watching his mother write loans out of the family's living room before he eventually left a career as a chef to join her. Felton walked through the difference between financial knowledge and financial wisdom, and why one-size-fits-all budgeting advice misses how differently people actually live. He described a credit card refinancing program that some members used two or three times before their spending habits changed, a cycle he refused to judge members for and one that became the credit union's most profitable portfolio. The conversation moved into how Southern Chautauqua serves ALICE families, those who are asset limited, income constrained, and employed, through a kids' savings program that started in second grade and a partnership with an AI company that analyzed member cash flow to flag people drifting toward payday lenders before a crisis hit. Felton closed by tying the credit union's discipline around capital and sustainability back to a single measure of success: impact.

  3. Sep 18

    AI won't take your job. People using AI will, with Sachin Kundra.

    In the latest episode of the Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Sachin Kundra, CIO at Chevron Federal Credit Union. The conversation centered on what it actually looks like to run an "AI-first" credit union, and why Kundra believed AI was making us both dumber and smarter at the same time. Kundra walked through real production use cases already running at Chevron FCU, an internal knowledge agent nicknamed Ask Yoda that over 250 employees used daily, and an outbound call-prep agent that cut a 25-minute manual research process down to seconds. Both were built in a matter of hours once the organization committed to an AI-first mindset, a shift that meant restructuring technical roles around agent development rather than one-off integrations. The discussion closed on where digital banking was headed next. Kundra argued that chasing every fintech feature to check a box was a losing game, and that the real risk was not falling behind on functionality, but ending up with a disjointed experience. He went further, predicting that the banking app interface itself might eventually disappear in favor of a single chat-based front end for a member's entire financial life.

  4. Sep 4

    Why small credit unions can't get left behind, with Greg Michlig.

    In the latest episode of the Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Greg Michlig, President and CEO of CU Insight. The episode centered on how credit unions communicate their value at a moment when search itself is changing, and what that shift means for advocacy, personalization, and the industry's smaller institutions. Michlig traced the pace of change back through decades of credit union history, from the arrival of internet banking to mobile deposit to today's AI tools. He argued that each wave looked like it would erase the branch, yet credit unions kept adding capability instead of replacing it. The conversation moved into advocacy, where DeTar and Michlig discussed the business lending cap that still limits credit unions and the growing need for associations to shape how AI models described and recommended credit unions, not just how search engines ranked them. From there, the discussion turned to personalization, and both men agreed that most of what the industry has called personalization so far has been decoration rather than capability. They closed the conversation by talking about the credit unions the industry cannot afford to lose, the small and community-based charters that build trust through people rather than scale, and by honoring the leaders who built the movement before them.

  5. Aug 21

    Why your AI strategy Is failing — and how to fix It, with Rohit Jayachandran.

    In the latest episode of the Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Rohit Jayachandran, Head of Banking & Financial Services at Mphasis, for a wide-ranging conversation about the intersection of technology, culture, and human decision-making in financial services. Jayachandran walked through 25 years of banking technology evolution — from the dot-com era through mobile, digital, cloud, and now AI — and made a pointed argument that most financial institutions were approaching AI the wrong way. He offered a two-track framework: for critical revenue, cost, and risk functions, apply top-down reimagination; for everything else, give employees the tools and let them drive 15–20% productivity gains grounded in the right guardrails.  The conversation moved into cultural readiness for AI adoption, the importance of a growth mindset, and why community financial institutions had a genuine opportunity to break historical entry barriers around scale and complexity. DeTar and Jayachandran also drew unexpected parallels between Formula 1 telemetry and banking data strategy, and closed with a shared conviction that the future of work would be more fulfilling — not less — for those willing to adopt the tools.

  6. Aug 7

    From Ram 1500s to real-time payments with Tommy Cotter.

    In the latest episode of theDigital Banking Podcast, host Josh DeTar welcomed Tommy Cotter, Director of Data Products at Benzinga. Cotter spent his early career optimizing Ram 1500 production at Fiat Chrysler, where a single second of downtime could cost a truck. In this episode, he joined DeTar to talk about what that mindset looked like applied to financial services and why most digital transformation still amounted to putting a broken process on an iPad. They got into the build vs. buy debate in an AI-accelerated world, what Plaid's MCP connection meant for community FIs, and why hyper-personalization had nothing to do with uploading a photo of your dog. Cotter also introduced two ideas that sharpened the whole conversation: John Gruber's auteur theory — every product reflects the taste of the person calling the shots — and Ivan Vendrov's "tyranny of the marginal user," a warning about building for your lowest-engagement user at the expense of the ones who actually stay.

  7. Jul 24

    Why your bank's biggest threat isn't another bank — it's a stablecoin, with Edwin Mata.

    In this episode of the Digital Banking Podcast, host Josh DeTar sat down with Edwin Mata, CEO and Co-Founder of Brickken, to unpack one of the most misunderstood — yet most consequential — shifts in financial services: tokenization. Mata, a former M&A lawyer turned legal-tech and fintech founder, brought a unique cross-disciplinary lens to the conversation, drawing on a career spent translating between lawyers, financiers, and technologists. The two explored how tokenization is far from a fringe crypto concept, pointing to everyday examples like DocuSign, credit cards, and casino chips as proof that tokens have quietly powered commerce for decades.  The conversation moved from foundational definitions into the real-world implications for banks, fintechs, and consumers. Mata explained why blockchain-based infrastructure is enabling 24/7 settlement, global liquidity access, and dramatically lower fees — and why countries with weaker banking infrastructure (Venezuela, Argentina, and the Mexico-to-U.S. remittance corridor) adopted stablecoins long before tier-one nations took them seriously. He also unpacked why legacy banks, burdened by decades of layered tech debt, are struggling to compete with neobanks and crypto-native players who can offer integrated stablecoin and fiat experiences. The episode closed with a candid look at the U.S. regulatory landscape, including the Clarity Act, skinny master accounts, and what increased fintech access to Federal Reserve rails could mean for community banks and credit unions. Mata and DeTar agreed that while competition will compress margins and force product innovation, the institutions that lean into the new infrastructure — rather than resist it — will be the ones that remain relevant to their communities.

  8. Jul 10

    The fight community FIs have never had to fight before, with Peter Duffy.

    In the latest episode of the Digital Banking Podcast, host Josh DeTar welcomed Peter Duffy, Managing Director of Merger Advisory Services for SRM. The episode explored the sweeping forces reshaping community banking, from a fundamentally changed American consumer to a business model under mounting structural pressure. DeTar and Duffy discussed how technology has weaponized consumers' ability to seek the best deal, how millennials are banking with the six largest institutions at a 75% rate, and why community financial institutions are struggling to attract a younger generation that has little reason — yet — to look elsewhere. Duffy walked through the structural challenges eroding the fundamentals of community banks and credit unions, including compressed margins, the battle for core deposits, regulatory changes, and the relentless need for scale. He noted that by 2020, the aggregate group of credit unions below $10 billion in assets could not generate net income before fees without relying on fee income — a trend decades in the making. Applying the four Ps of marketing, Duffy argued that product and price are essentially out of institutions' hands, making promotion the wide-open frontier where community financial institutions can meaningfully differentiate by transitioning from a service culture to a sales culture. DeTar and Duffy debated two viable paths forward: pursuing scale through mergers and acquisitions, or embracing a boutique model built on deep member relationships and bespoke service. As an example of the boutique path done well, Duffy pointed to Southern Chautauqua FCU as an institution quietly executing this strategy with success. Both agreed the dangerous middle ground between these two paths is where institutions go to die. For listeners who want to go deeper on the M&A side of that conversation, Duffy's team at SRM has published the M&A Perspectives Report, a practical look at why consolidation is accelerating and what institutions need to consider before pursuing a transformational deal.

See All (156)

Ratings & Reviews

5
out of 5
4 Ratings

About

The Digital Banking Podcast is powered by Tyfone. Tyfone is a dramastically better digital banking provider. Our appeal is unique, we collaborate closely with our customers and the banking ecosystem in an open approach coupled with a powerful user experience that helps “get things done”! On our podcast you will hear how digital banking plays a leading role for community minded financial institutions from the unique perspectives of our industry expert guests.

Information

  • Creator
    Tyfone
  • Years Active
    2020 - 2026
  • Episodes
    156
  • Rating
    Explicit
  • Copyright
    © 2026 tyfone inc.
  • Show Website
    Digital Banking Podcast

You Might Also Like