Digital Banking Podcast

Hosted by Tyfone

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Episodes

151

Latest episode

Aug 2026

Language

EN-US

About the show

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.

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60 recent

August 21, 2026Episode 1531 hr 4 min

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.

August 7, 20261 hr 2 min

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

In the latest episode of the Digital 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.

July 24, 2026Episode 15153 min

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.

July 10, 2026Episode 1501 hr 11 min

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.

June 26, 20261 hr 17 min

Is your bank invisible to AI? The data that should wake you up, with Corey Wrinn.

In the latest episode of the Digital Banking Podcast , host Josh DeTar welcomed Corey Wrinn, managing director of Rivel Banking Research. Wrinn brought a data-driven lens to the conversation, and the two wasted little time getting into what the research actually shows about where community banking is headed. The bulk of the episode centered on AI discoverability. Rivel found that roughly twelve percent of consumers now go directly to tools like ChatGPT or Gemini when searching for a banking product, and when combined with AI-summarized Google results, that figure climbs to around fifty percent. Wrinn noted that number was effectively zero eighteen months ago. Influencing those results takes significant time and money, which puts smaller institutions at a real disadvantage against national players like Chime. One bright spot: Gen Z tends to be the most skeptical of AI results and actively seeks outside verification before acting, which creates an opening for institutions with a credible presence beyond their own website. Wrinn and DeTar closed by making the case for differentiation over sameness. Proactive outreach, niche products, and youth accounts were all held up as practical ways to build loyalty before a competitor gets there first. Rivel's data showed that roughly twenty-five percent of kids whose parents opened a youth account at an institution stayed there for life. Wrinn can be reached at rivelbankingresearch.com for those interested in Rivel's research on brand benchmarking and local competitive intelligence.

June 12, 2026Episode 1481 hr 11 min

Stop Chasing Innovation & Start Solving Real Banking Problems, with Jeffry Pilcher.

In the latest episode of the Digital Banking Podcast, host Josh DeTar, podcast host at Tyfone, welcomed Jeffry Pilcher, President at The Financial Brand. The episode centered around how banks could stand out by making banking simpler, using data with more intent, and keeping a clear brand voice as AI reshaped content and strategy. Jeffry argued that most institutions still sounded the same. They leaned on vague claims about service while competing on rates and fees. He said banks needed less surface-level innovation and more problem finding. In his view, the strongest institutions removed friction, respected customers’ time, and made banking easy enough to fade into the background. He also shared a measured view of AI. Jeffry said the tools helped with analysis, framing, and stress-testing ideas, but they still struggled to produce distinct, useful writing. He warned that AI often pushed brands toward sameness unless teams set firm rules and edited with care. He closed by saying financial institutions already held rich signals in payment data, and they needed to use that insight to anticipate needs and deliver more relevant experiences.

May 29, 2026Episode 1471 hr 2 min

Why AI Starts With Better Data, with Parijat Banerjee.

In the latest episode of Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Parijat Banerjee, Financial Services Global Business Head at LatentView Analytics. The episode centered around how AI depended on strong data, clear process design, and a human-first purpose. Josh and Parijat started with a simple idea: good technology should help people pay better attention. Parijat argued that listening remained the most useful human skill, and he framed AI as a tool that could remove busy work and make space for real focus. From there, he traced the rise of AI back to falling storage costs, wider access to data, and the shift from rules-based systems to models that learned patterns at scale. The conversation then moved to what financial institutions had to get right. Parijat explained that poor data still led to poor outcomes, while unified data created a single source of truth and faster decisions. He also noted that banks and credit unions faced tighter limits because they needed accuracy, lineage, and explainable AI. Josh and Parijat closed on a practical point: community institutions could use AI well if they built on trust, local relevance, and clear customer needs.

May 15, 2026Episode 1461 hr 35 min

Lessons from Space: Building Stronger Bank Teams with Monica Parks.

In the latest episode of Digital Banking Podcast, host Josh DeTar welcomed Monica Parks, Chief Information Officer at Bank3. The episode centered around the importance of keeping the human element at the heart of banking and technology, drawing lessons from Monica’s unique experience as an analog astronaut. Monica shared how her time in space simulations taught her the power of empathy, focus, and honest communication—traits she brought back to lead her banking teams. She described how strict routines and clear processes, vital for mission success in isolation, also help banking teams perform under pressure. Monica stressed that even in highly technical roles, staying connected with people matters most. She encouraged leaders to step out of their silos, listen to staff and customers, and create room for unscripted, authentic conversations. Throughout the discussion, Monica and Josh explored why process, direct feedback, and crew mentality drive both space missions and successful banking operations. Monica’s practical approach showed how small shifts—like prioritizing mental well-being and open dialogue—can help teams deliver better results and build stronger connections in community financial institutions.

May 1, 2026Episode 1451 hr 18 min

Can Community Banking Beat Convenience for Gen Z, with Shiva Rajbhandari.

In the latest episode of the Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Shiva Rajbhandari, President at Carolina Credit Union Initiative. The episode centered around the case for a student-run credit union at UNC Chapel Hill and what that effort revealed about access, trust, and community banking. Shiva traced the idea back to a simple problem. He arrived on campus with a scholarship check, but he had no local credit union option that served students. That gap pushed him to study how student-run credit unions worked, what new charters required, and why the process had grown so hard. He explained that today’s barriers included startup capital, regulation, digital infrastructure, and the need to compete with large banks and fintech apps. From there, the conversation turned to what students actually needed. Shiva argued that financial institutions missed the mark when they treated every member the same. He pointed to issues like student group accounts, rent reporting, and credit building. He also made a clear case for human service. Good tech mattered, but trust still grew fastest when people could reach someone who knew their community.

April 17, 2026Episode 1441 hr 31 min

What Banks Miss About Serving Women Entrepreneurs Online, with Robin Sims-Allen.

In the latest episode of the Digital Banking Podcast, host Josh DeTar of Tyfone welcomed Robin Sims-Allen, Founder/CEO at Phoenix Marcus (TotalHER). The episode centered around how safer digital spaces could help women build businesses, protect their voices, and claim more control over their financial future. Robin explained that she built TotalHER after seeing how toxic, noisy, and performative social platforms had become for women trying to earn, connect, and speak plainly online. Robin said she wanted to create a space with more purpose and less friction. She described a platform where women could network, sell, collaborate, and ask for help without abuse, stalking, or pressure to game an algorithm. She also talked about product choices that put value first, including paid time, direct requests, and identity checks that traded some ease for more safety. Josh and Robin then tied that thinking back to banking. They said community financial institutions had a clear opening to support women entrepreneurs with trusted guidance, plain-English advice, and people who had lived the same path. Robin argued that women did not need more fluff. They needed clear answers, real support, and room to move.