Banking on Experience powered by BUSINESSNEXT

Andrew Piron & Joshua Barclay

Come hear from the voices of people working at financial institutions all over the world – the voices doing the work, driving change, creating a movement, and building the financial industry into a more positive and innovative place. No topic is untouchable as we discuss everything from DEI and leadership to culture, lending, and so much more. Sponsored by BUSINESSNEXT, a CRM platform built for Banks and Credit Unions where they value the opportunity to Simplify Work, Drive Growth, and Deliver on Experience.

  1. Inside Jack Henry’s Ambitious Strategy to Modernize The Core

    SEP 3

    Inside Jack Henry’s Ambitious Strategy to Modernize The Core

    Tired of hearing about costly, disruptive core conversions that sideline credit unions when they need to compete most? There's a better way forward. In this episode, host Joshua Barclay sits down with Brynn Ammon, President of Credit Union Solutions at Jack Henry, to explore how extending—not replacing—your core system could be the competitive advantage your credit union needs. You'll discover: Jack Henry's revolutionary approach using cloud-native microservices that integrate seamlessly with existing systems The shocking truth about member data: most credit unions have access to less than 25% of their members' complete financial picture How to build a unified data strategy that actually powers meaningful AI implementation Why fintechs are winning the membership battle and what credit unions can do about it The brutal reality: While credit unions debate AI strategies, they're losing market share to digital-first competitors who understand that great member experiences start with great data infrastructure. If you're a credit union leader feeling pressure to modernize without disrupting operations, this episode offers practical advice for competing in today's digital landscape while building on the foundation you already have. When it comes to your core banking system, stop thinking rip-and-replace. Start thinking extend and enhance.

    21 min
  2. Breaking Down Banking Silos: The Highway To Unified Data

    AUG 20

    Breaking Down Banking Silos: The Highway To Unified Data

    What do 300 high schoolers, a treacherous dirt road, and an epic keg party have to do with your bank's data strategy? Everything, according to Joshua Barclay and Nick Del Francia from BusinessNext. In this unique episode, Joshua shares a wild story from his Connecticut party-throwing days to illustrate banking's biggest challenge: it's not about your products (everyone sells the same checking accounts and credit cards), it's about the experience—the "road"—that leads customers to those products. You'll discover: Why 66% of consumers want personalized experiences, but only 42% actually receive financial guidance from their bank How data silos are quietly sabotaging customer loyalty across all generations The uncomfortable truth about why your AI strategy is "dead on arrival" without unified data Real examples of how fragmented systems create frustrated customers (and employees) A practical roadmap for creating the "paved road" experience that keeps customers coming back Based on a hit keynote speech at Future Branches Boston, this episode combines surprising statistics, practical insights, and some laughs about pink suit jackets and terrible Lifetime movies. If you're tired of point solutions creating more problems than they solve, this episode reveals why unified data isn't just nice to have—it's the prerequisite for AI and everything else you're trying to accomplish.

    27 min
  3. AI Without Fear: The Compliance Playbook for Credit Unions

    JUL 17

    AI Without Fear: The Compliance Playbook for Credit Unions

    Most credit unions are trapped in AI paralysis. It’s not because they don't want the competitive advantage, but because they're terrified of what happens when regulators come knocking. In this tactical episode of Banking on Experience, host Joshua Barclay sits down with Ray K. Ragan, Chief Information Officer at Securityplus Federal Credit Union, to solve the AI compliance puzzle once and for all—so credit unions can tap into the transformative use cases waiting on the other side. Ray isn't your typical credit union executive. As an Army Reserve officer who served on the Army AI Task Force and holds multiple AI patents, he's witnessed AI's evolution from military-grade applications to credit union boardrooms.  His unique perspective bridges the gap between cutting-edge AI technology and regulatory reality. Want the compliance roadmap? We cover it: risk assessments, board sign-offs, examiner questions. Plus, Ray reveals some powerful, unique AI use cases that are specific to credit unions.  If you’ve been waiting for a real-world answer to AI and compliance, this podcast episode is for you.

    35 min
  4. Survival of the Data-Fittest: Win the Retention Race in Modern Banking

    MAY 27

    Survival of the Data-Fittest: Win the Retention Race in Modern Banking

    What if the secret to member retention isn’t more data—but better use of it? In this live episode of Banking on Experience, we tackle one of the biggest challenges facing credit unions today: keeping Members engaged in an era of limitless options and vanishing loyalty. You’ll learn: Why 44% of new accounts go inactive within a year—and how to reverse it The high cost of fake personalization Real-world tactics that combine human connection and AI-powered insights How a Detroit Lions-themed CD campaign turned into a member engagement machine Why you don’t need a data warehouse to start making data-driven decisions If you care about member relationships, operational efficiency, or turning data into action—this one’s for you. Our expert panel brings real-world strategies to the table: Brad Shafton, SVP of Digital & IT at Magnifi Financial, shares how his team creates hyper-personalized member experiences that actually drive retention. Emily Sutton, Director of Marketing at Community Financial CU, reveals how creativity, community, and data came together to power a wildly successful Lions-themed CD campaign. Mitch Rutledge, CEO & Co-founder of Vertice AI, breaks down how to ditch siloed data and start delivering smarter, faster member engagement—without waiting years to unify every system. These aren’t theorists—they’re operators inside credit unions getting real results. Here’s how they do it. Tune in and take notes.

    47 min
  5. Why Bank of Idaho Bet Big on Acquisition – A Candid Talk with CEO Jeff Newgard

    MAY 14

    Why Bank of Idaho Bet Big on Acquisition – A Candid Talk with CEO Jeff Newgard

    Bank of Idaho made headlines with its $245 million acquisition deal with Glacier Bancorp—a bold move at a time when community banks are battling rising regulatory pressure, digital disruption, and funding challenges. In this episode, Chairman, President & CEO Jeff Newgard shares: The key factors that drove the decision to sell The toughest leadership challenges during the transition How he approached cultural integration between two institutions The hard truths every community bank leader must face in today's fast-changing market Whether you're weighing an acquisition or simply trying to future-proof your financial institution, this episode offers real-world lessons you can’t get from a playbook. Listen now to hear Jeff’s brutally honest insights about M&A, leadership, and the future of community banking.

    28 min
  6. The Real-Time Payments Fraud Dilemma: Why Faster Transactions Mean Bigger Risks

    MAR 27

    The Real-Time Payments Fraud Dilemma: Why Faster Transactions Mean Bigger Risks

    Real-time payments are revolutionizing how money moves—faster, easier, and more seamless than ever. But with speed comes risk. Fraudsters aren’t just small-time scammers anymore; they’re running sophisticated, AI-powered crime rings that target credit unions and community banks in real time. So, how do financial institutions fight back? In this episode of Banking on Experience, host Joshua Barclay sits down with Jeff Scott, VP of Fraud Tech Solutions at Q2, a fraud prevention expert on the front lines of the fight against real-time financial crime.  Together, they reveal how credit unions and community banks can shift from playing defense to going on the offensive, covering topics like: How fraudsters have evolved into sophisticated, AI-powered crime rings. Why traditional fraud detection tools aren’t enough in a real-time payments world. How cutting-edge fraud prevention tech is helping FIs stay ahead of bad actors. The tricky balance between airtight security and seamless user experience. Fraud is no longer just a risk—it’s a multi-billion-dollar industry. If credit unions and banks don’t act now, they won’t just lose money—they’ll lose trust, members and customers, and their future. Don’t wait until it’s too late—tune in now and discover how to stay ahead of fraudsters before they strike. On another note: If you'd like to join us for our Demo Tuesday Sessions, where we demo the BUSINESSNEXT solution virtually and answer your CRM-related questions on Microsoft Teams, use this link to sign up.

    28 min
  7. Turning Data into Dollars: Smarter Segmentation, Better Marketing for Banks & Credit Unions

    MAR 12

    Turning Data into Dollars: Smarter Segmentation, Better Marketing for Banks & Credit Unions

    Banks and credit unions are sitting on a goldmine of data—so why aren’t they using it to drive real growth in their marketing motions? Too often, financial institutions collect massive amounts of customer insights but struggle to turn them into personalized marketing strategies that actually convert. The key isn’t just having data—it’s knowing how to use it. In this episode, we sit down with Phillip Bosley, Founder & CEO of Tactical Marketing Automation, to break down the roadblocks keeping banks and credit unions from leveraging their data effectively. We cover the following in this podcast episode: ✅ The biggest segmentation mistakes that lead to disengaged customers ✅ How automation bridges the gap between insights and action ✅ The brutally honest marketing truths financial institutions need to hear If you’re ready to stop letting valuable data collect dust and start using it to build smarter, more profitable marketing campaigns, this episode is for you.  If you'd like to join our Demo Tuesday sessions and see a deep dive of the Businessnext software solution, click here to register. Hope to see you there.

    36 min
  8. Why 44% of Accounts Go Inactive in Year One—and How to Fix It

    JAN 30

    Why 44% of Accounts Go Inactive in Year One—and How to Fix It

    Did you know that nearly half of new accounts—44%—go inactive within the first year? That’s not just lost revenue—it’s a major threat to long-term growth for banks and credit unions. The culprit? A broken onboarding process.  Too many financial institutions skip relationship-building and jump straight into cross-selling, leaving members and customers disengaged and more likely to churn. So what’s going wrong—and how can banks and credit unions turn things around?  Our guest, Har Rai Khalsa, CEO & Cofounder of Swaystack, joins hosts Joshua Barclay and Andrew Piron to uncover the biggest onboarding mistakes institutions make—and how to fix them. We’ll break down practical strategies to engage members from day one, boost retention, and drive long-term loyalty. If you want to turn new account holders into lifelong members, tune in now and discover the onboarding strategies that make the difference.

    31 min
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5
out of 5
30 Ratings

About

Come hear from the voices of people working at financial institutions all over the world – the voices doing the work, driving change, creating a movement, and building the financial industry into a more positive and innovative place. No topic is untouchable as we discuss everything from DEI and leadership to culture, lending, and so much more. Sponsored by BUSINESSNEXT, a CRM platform built for Banks and Credit Unions where they value the opportunity to Simplify Work, Drive Growth, and Deliver on Experience.

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