Digital Banking Podcast

Hosted by Tyfone

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Episodes

147

Latest episode

Jun 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

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.

April 3, 2026Episode 1431 hr 23 min

Why AI Can't Replace Strategy, with Jamie Sumner.

In the latest episode of Digital Banking Podcast, host Josh DeTar welcomed Jamie Sumner, Partner at VB Sentry LLC. The episode centered around how community financial institutions could use AI to speed up analysis without losing the human judgment that drove strategy. Josh and Jamie traced that idea back to a shared view: AI handled the numbers, but people still had to ask better questions and make better decisions.Jamie explained how automation changed his own work. He moved from hours of manual call report entry to faster data pulls that gave him more time to study market shifts, member needs, and board strategy. He argued that speed alone did not solve the problem. Institutions still had to filter noise, connect risk to return, and build a clear foundation before they trusted the output.The conversation then widened. Jamie stressed the need for clean, centralized data and closed AI systems that protected member information. Josh, host of the podcast powered by Tyfone, and Jamie also explored why strategy had to reach frontline staff, why comfort zones held institutions back, and why community banks still mattered in a digital future.

March 20, 2026Episode 1421 hr 18 min

AI, Credit Scores and Consumer Trust, with JB Orecchia.

In the latest episode of Digital Banking Podcast, Tyfone host Josh DeTar welcomed JB Orecchia, President and CEO at SavvyMoney. The episode centered around how digital banking could support better financial health through clearer credit education, stronger personalization, and better use of data. Josh and JB framed the issue around a simple problem: many consumers still did not understand how lenders judged them or how small money decisions could raise borrowing costs for years.JB said those lessons started at kitchen tables, where he saw people struggle to connect cash flow, payment history, and credit utilization to real outcomes. He argued that credit scores only mattered because they changed rates, monthly costs, and long-term wealth. He also pointed to cash flow underwriting as the next step for thin-file consumers whose income patterns showed strength even when traditional credit files did not.Josh and JB then turned to what financial institutions needed to do next. JB said digital experiences needed to feel more personal, adapt over time, and give people useful guidance when they fell behind. He argued that AI could sharpen those recommendations, but he kept the focus on human context, trust, and clear communication.

March 6, 2026Episode 1411 hr 26 min

Why real-time payments still leave gaps for consumers, with Keith Smith.

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales at Tyfone, welcomed Keith Smith, Founder and CEO at Payouts Network. The episode centered around the changing landscape of money movement, the need for real-time payments, and how consumer expectations push financial institutions to rethink both technology and user experience.Keith shared his views on why traditional ideas of work-life balance fall short and how personal definitions of success shape both leadership and culture. He described how blending work and life is often necessary, especially when building companies and leading teams. He and Josh discussed how the pandemic blurred the lines between home and work, highlighting the importance of transparency, empathy, and open communication.The conversation then explored why money movement is still full of friction despite recent advances. Keith explained how business-to-consumer payments, especially in non-obvious scenarios like reimbursements and insurance payouts, lag behind consumer experiences. He argued that while new technologies like FedNow bring faster options, the real challenge is delivering secure, flexible solutions without overwhelming users with choice. Throughout, Keith made it clear: real innovation in payments comes down to simplicity, speed, and meeting people where they are.

February 20, 2026Episode 1401 hr 27 min

Solving Payments for the Marginalized, with Kosta Scholiadis.

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales at Tyfone, welcomed Kosta Scholiadis, CEO and Founder at Street Wallet. The episode centered around building sustainable businesses that do good while staying financially viable, especially in the context of financial inclusion for underserved communities.Kosta shared how his entrepreneurial journey led him to focus on solving practical problems for people often overlooked by traditional banking, like street vendors in South Africa who struggle with cashless payments. He explained why the best solutions are often the simplest, as real barriers—like lack of smartphone access or complex onboarding—can prevent people from participating in digital economies. Kosta argued that true impact comes from balancing purpose with profit, and that sustainable businesses must prioritize both to keep helping others.Throughout the conversation, Josh and Kosta drew parallels between community financial institutions in the United States and informal workers in emerging markets. Both face the challenge of staying profitable while serving people’s real needs. The discussion closed with insights on leadership, culture, and the importance of building teams rooted in shared values and long-term vision.

February 6, 2026Episode 1391 hr 24 min

Bringing Empathy to Every Member Touchpoint with Derrick Aguilar.

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales and Marketing at Tyfone, welcomed Derrick Aguilar, Chief Experience Officer at PenAir Credit Union. The episode centered around how credit unions can create meaningful, consistent experiences across every channel and touchpoint.Derrick shared why every interaction—big or small—can carry lasting weight for members. He explained that while digital banking, payments, and support are necessary, they are only part of a larger story. Derrick described how people remember the moments when someone in their financial institution truly stepped up for them, and how those moments build trust and loyalty over time. He stressed that members don’t see the complexity behind digital services; they just want things to work, and to feel cared for when they need help.Throughout their conversation, Josh and Derrick explored how culture, communication, and empathy set credit unions apart in a crowded landscape. Derrick emphasized the need for purposeful connection with members and communities, not just reliable products. He outlined why understanding real needs, building goodwill, and sharing positive stories matter just as much as delivering on the basics.