TechSolutions4CUs

Hosted by With Finopotamus Co-Founder John San Filippo

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May 2026

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About the show

This is the official Finopotamus podcast. It focuses on credit unions and how they have leveraged technology to solve problems, enhance the member experience and drive growth. TechSolutions4CUs features working credit union technologists, as well as industry experts from around the globe.

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42 recent

May 31, 2026Episode 436 min

Commercial Lending 101, with Trevor Haley of IMCU and Andy Ivankovich of Baker Hill

In this episode of TechSolutions4CUs, the official Finopotamus podcast, host and publisher John San Filippo dives into the massive, yet often overlooked, opportunities within commercial lending for credit unions. Joining the conversation are two industry experts: Andy Ivankovich, CEO of Baker Hill, a commercial and small business lending technology provider with over 40 years of experience; and Trevor Haley, Vice President of Commercial Underwriting at Indiana Members Credit Union (IMCU), a $3.5 billion institution managing an approximate $750 million commercial portfolio.Together, the panel explores how credit unions can successfully compete against major banking institutions, transition away from manual processes, and leverage next-generation technology to safeguard their portfolios.Key Discussion HighlightsThe Credit Union Opportunity: While credit unions traditionally focus on consumer lending, the commercial space offers a prime avenue for driving yield and gathering deposits. Larger credit unions have excelled here for decades, and many are now efficiently scaling their operations—even acquiring community banks to absorb established commercial lending teams.Fierce Competition & Relationship Banking: Competing against massive national banks requires a strategic approach. While the heavy hitters dominate commercial and industrial (C&I) lending, credit unions can find immense success in commercial real estate (CRE). Credit unions hold a distinct advantage through true relationship banking—building deep, trust-based partnerships over a cup of coffee—that larger institutions struggle to replicate.The Danger of Excel and the Shift to Tech: For institutions managing just a few CRE deals, spreadsheets might suffice. However, as a portfolio scales past a couple hundred million dollars, technology becomes critical. The experts discuss why relying on manual spreadsheets is unsustainable and risky, as a single multi-million-dollar bad loan impacts an institution far differently than a standard auto loan default.Core Integration & Eliminating Human Error: A seamless two-way flow of data between a loan origination system (LOS) and the credit union's core platform is vital. The guests explain how mapping hundreds of data fields reduces hours of redundant manual data entry, cuts down on human error during loan booking, and gives underwriting committees a comprehensive view of a member's entire relationship.AI as an Enablement Tool: Looking toward the future, artificial intelligence is highlighted not as a replacement for relationship bankers, but as a powerful tool to eliminate administrative friction. From automating the spreading of tax documents in milliseconds to providing early warning indicators for portfolio monitoring, AI allows lean teams to cover more ground and proactively manage risk.

April 4, 2026Episode 328 min

From Congressional Testimony to Credit Union Solutions: A Conversation with Elizabeth Osborne

In this episode of TechSolutions4CUs, Finopotamus Publisher John San Filippo sits down with Elizabeth Osborne, the Senior Managing Director of Operations for Jack Henry’s Credit Union Solutions Group. Elizabeth shares her fascinating career trajectory, moving from an aspiring broadcast journalist to a powerhouse executive in the financial technology space.The conversation explores Elizabeth’s diverse background, including her time at State Street, her role in scaling Belmont Savings Bank from $800 million to over $3 billion, and her eventually finding her "professional home" within the credit union movement. Elizabeth also discusses her landmark testimony before Congress regarding the ethical use of Artificial Intelligence in financial services.Key Discussion PointsA Non-Linear Path to Tech: Elizabeth reveals how she pivoted from journalism and accounting to find her passion in business leadership and technology implementation.The Shift to Credit Unions: Discover why Elizabeth initially thought credit unions might be "sleepy" and how her experience at Great Lakes Credit Union completely changed her perspective.AI and Advocacy: Elizabeth details her journey to the House Financial Services Committee, where she testified on the impact of AI and the need for balanced regulation that doesn't "handcuff" innovation.The "Amazon Effect" in Banking: A deep dive into the technological challenges facing credit unions today, including the need for seamless member journeys and competing with agile fintechs like Chime.Women in Fintech: Elizabeth makes a passionate plea for more women to take risks and pursue leadership roles in technology, emphasizing the importance of mentorship for the next generation.About the GuestElizabeth Osborne is a seasoned financial services leader with extensive experience in technology, M&A, and strategic operations. After serving as the COO at Great Lakes Credit Union, she joined Jack Henry to oversee infrastructure, hosted services, and support for the credit union side of the business. She is a frequent speaker on digital transformation and a dedicated advocate for female empowerment in the tech industry.Featured Quotes"Try something new, be a little uncomfortable, that's okay. Because I really believe that that will help open up a lot of doors.""I always say there's vendors and there's partners... Jack Henry was always a partner."

January 29, 2026Episode 235 min

AI Talk with Tom Church-Adams, Founder of CreditUnionAI News

In this installment of the TechSolutions4CUs podcast, host John San Filippo explores the rapidly shifting landscape of artificial intelligence within the credit union movement. Breaking away from the show’s traditional format of interviewing credit union staff or or their technology partners, San Filippo welcomes Tom Church-Adams, the founder of CreditUnionAI News. Together, they dissect why AI is not just another tech trend, but a fundamental shift in how financial institutions must operate to survive and thrive.Defining a New Resource: Credit Union AI NewsChurch-Adams discusses the genesis of his new platform, explaining that the pace of AI development is so extreme that traditional news cycles can't keep up. With major updates from entities like OpenAI, Google, and Anthropic happening weekly—if not daily—credit union leaders need a "filter" to understand what these changes mean specifically for their members and their mission. The platform serves as this dedicated portal, offering everything from short, commute-ready audio snippets to deep-dive technical analysis.AI Across the Entire OrganizationA central theme of the conversation is that AI is no longer a "siloed" technology for the IT department. Church-Adams argues that every leader, from HR to Marketing to the Board of Directors, now essentially acts as their own Chief Technology Officer.Marketing Revolution: AI allows small teams to create high-quality content and personalized member communications at a speed previously reserved for big-budget banks.Lending Efficiency: By integrating AI into backend automation, lending teams can drastically increase approval rates and processing speeds.The Executive "Thought Partner": One of the most futuristic concepts discussed is using AI as a strategic collaborator. Church-Adams envisions a "Credit Union AI Employee Number One"—a persona that sits in virtual meetings, identifies risks, suggests process improvements, and builds on the human team's experience.The Great Equalizer for Small Credit UnionsFor smaller institutions, Church-Adams highlights AI as a massive competitive advantage. He points out that a small credit union with limited staff can "gain 10 to 15 new employees" worth of productivity simply by adopting AI tools. Instead of being intimidated by the technical barrier, small teams are encouraged to stand up dedicated "AI teams" of even just a few people to focus on organization-wide implementation and road-mapping.Orchestration and Screenless BankingAs the industry matures, the focus shifts toward the "orchestration layer." Larger credit unions are encouraged to look at how different AI tools communicate with existing cores and payment processors. Church-Adams also offers a provocative look into the future of agentic AI. He predicts that within the next 15 months, we may see a shift toward screenless banking, where members interact with their accounts through voice-driven AI partners in their earpieces, asking for balances or making payments without ever touching a phone or web browser.A Prediction Rooted in MissionThe episode concludes with a look at the cultural impact of AI. While big banks may use automation primarily to cut costs and serve shareholders, credit unions are uniquely positioned to use AI to further their mission of "people helping people." Church-Adams believes that if credit union leaders embrace this technology wholeheartedly, they will gain a much larger seat at the financial table, leveraging AI to empower their members in a future economy centered on "compute."

January 8, 2026Episode 138 min

Kinective's Quest for a Unified Banking Operations Platform, with CEO Stephen Baker

In this episode of TechSolutions4CUs, host John San Filippo sits down with Stephen Baker, CEO of Kinective, to pull back the curtain on one of the most aggressive and strategic growth stories in the credit union technology space today.Following a massive year of acquisitions—including Epic River, Janusea, ESQ, and CompuFlex—Baker explains the master plan behind merging these disparate entities into a single, cohesive ecosystem. He breaks down how Kinective is moving beyond simple point-to-point connections to deliver a true enterprise middleware gateway, designed to give financial institutions a "single throat to choke" for all their third-party integrations.Key topics covered in this conversation include:The KBOP Vision: A deep dive into the Kinective Banking Operations Platform, a central hub designed to give credit union staff a unified dashboard for managing everything from loan pipelines to e-signatures.The "Phygital" Branch: Why physical branches aren’t going anywhere and how Kinective is blending the digital and physical worlds—like using mobile signatures for in-person teller transactions and high-def devices that let members see exactly what they are signing.The Magic of Data Normalization: Why "clean data" is more than just a buzzword. Baker explains how their Datava platform handles the heavy lifting of normalizing data across different systems to create a genuine 360-degree view of the member.AI Beyond the Hype: How Kinective is using AI and natural language processing to let credit union employees ask simple questions of their data—like "Who has a CD expiring next month?"—and push those results directly into marketing campaigns.ATM & TCR Synergy: The strategic reasoning behind the ESQ and CompuFlex acquisitions, and how managing both ATMs and Teller Cash Recyclers (TCRs) under one roof provides unprecedented visibility into an institution’s total cash position.Whether you are a credit union executive looking to simplify your tech stack or a fintech enthusiast interested in the future of "middleware," this episode provides a roadmap for how modern institutions can compete with the biggest banks by leveraging data intelligence and seamless connectivity.

December 16, 2025Episode 2038 min

Mastering Go-to-Market Strategies, with Angi Milano and Holly Glowaty

In this episode of TechSolutions4CUs, host John San Filippo is joined by Angi Milano and Holly Glowaty, the co-hosts of the GTM Loop podcast. Together, they dive into the critical elements of go-to-market (GTM) strategies, exploring how fintechs can align with the credit union mission and how credit unions can position themselves as partners of choice.Angi and Holly explain that the GTM Loop podcast was created to help fintechs navigate the tactical steps of strategy development, specifically teaching them how to speak the language of the credit union industry. The group discusses why GTM has evolved from a general business term into a vital discipline for launching products in new verticals.Key Topics Discussed:Common Fintech Mistakes: The guests break down where fintechs often go wrong, such as taking a "scattershot" approach rather than finding the right fit, and relying too heavily on a single person’s connections (the Rolodex strategy) rather than building a sustainable process. Angi notes a critical error: using banking terms like "customer" instead of "member" and leading with ROI rather than mission alignment.The Power of Small Credit Unions: While many vendors chase the largest institutions, Angi and Holly argue that small credit unions are often more agile and eager to adopt fintech as a growth lever. They advise vendors to evaluate potential partners based on "active members" rather than just asset size.Credit Unions vs. Banks: The discussion clarifies the fundamental difference between these institutions. Banks often prioritize bottom-line returns, while credit unions are mission-driven cooperatives where a single member's experience can mobilize the entire team.AI and Data Hygiene: The trio tackles the buzz around AI. Holly stresses that institutions cannot successfully adopt AI without first cleaning up their data. They advise against using "AI for AI's sake," recommending instead that credit unions identify specific pain points and involve the staff feeling that pain in the solution design.Future Predictions: The episode wraps up with crystal ball predictions. Angi foresees stablecoins becoming the next dominant topic at conferences, while Holly predicts that upcoming changes to Visa and Mastercard interchange rules will fundamentally shift how institutions and retailers approach loyalty programs.Join us for a conversation that bridges the gap between fintech innovators and the credit union mission.

December 3, 202529 min

Introducing CAFÉ (the Center for Accelerating Financial Equity), with Managing Director Kristen Castell

In this episode of TechSolutions4CUs, host John San Filippo welcomes Kristen Castell, Managing Director of CAFÉ (Center for Accelerating Financial Equity), a nonprofit organization.The conversation dives into the origin story of CAFÉ, which was launched two and a half years ago out of a new fintech innovation hub in Newark, Delaware. It began as a public-private partnership involving Discover Financial, the University of Delaware, and other organizations dedicated to building new fintech innovation that helps people's lives. CAFÉ's primary mission is to advance financial wellness for low to moderate-income people across the US.Kristen explains how CAFÉ serves the credit union community:Connecting Fintechs and Credit Unions: CAFÉ runs competitive Accelerator programs to help early-stage fintech companies, which have been vetted for strong product-market fit, existing customers, and mission-driven culture, accelerate their growth. CAFÉ then introduces these solutions to credit unions looking for innovative ways to help their members.Vetting Process: The fintechs undergo a rigorous, competitive process to enter CAFÉ's programs, which includes looking at the business, the product, and requiring them to already have credit union or other financial institution customers. A top priority for CAFÉ is the company's culture, focusing on collaborative, mission-driven people.Solutions for Members: The fintechs supported by CAFÉ offer diverse products, including more efficient ways to provide loans to small businesses and individuals, digital banking products, microloan services (like Salus), SBA 7A loans (like Parlay), and tools to help members search for government benefits (like Starlight).The discussion also covers:Technology Trends: The role of technology in helping credit unions digitize their offerings, improve backend processes, and gain better member insights, specifically mentioning AI. Kristen notes that almost every fintech they work with incorporates AI in some way.Challenges for Smaller Credit Unions: They discuss the potential for smaller credit unions to be overwhelmed by the number of tech relationships, suggesting collaboration through groups like CUSOs (Credit Union Service Organizations) or partnering with fintechs that come as a package to ease the onboarding process.Future Outlook: Kristen shares her prediction for the future, expressing a strong belief in blockchain technology to facilitate instant global payments, improve security through tokenization, and enhance identity management for financial accounts. She also stresses the shift from providing "products" to providing a full experience in members' financial lives.Getting Involved: Credit unions can engage with CAFÉ by offering industry expertise as a speaker, becoming a sponsor, or simply by being interested in learning about and potentially partnering with the vetted fintech innovations. CAFÉ also hosts the annual Fintechs and Fairways Conference in Delaware.To learn more about CAFÉ, you can visit FTCafe.org.

November 19, 2025Episode 1831 min

Grow Your CU by Ignoring 99% of the Market, with Bankjoy's Mike Duncan

Tired of casting a wide net and coming up empty? The secret to revitalizing your credit union might be to start thinking small.In this episode, host John San Filippo sits down with Michael Duncan, CEO and founder of digital banking provider Bankjoy, to discuss the strategy of vertical banking (also known as niche banking or sub-branding). This approach allows community financial institutions to leverage their existing charter to create a discrete, digital brand that caters to a very specific audience.You'll learn:The Power of Niche Focus: How ignoring 99% of the market can lead to massive growth by focusing on a specific, unmet need.Real-World Success Story: The case of Panacea Financial, a digital-only bank serving doctors and healthcare professionals, which achieved over half a billion dollars in assets in just a few years by solving the unique financial problems faced by young physicians.Potential Niches for CUs: Other segments credit unions can target, such as military service, teachers, and even specific demographics like women or younger generations (Gen Z).Overcoming Hurdles: Mike addresses the common concerns of staffing, marketing a digital-only brand, and the scary part—the technology.Technology Simplification: Discover how modern digital banking providers like Bankjoy make it possible for you to launch a new vertical brand in as little as six weeks to three months without having to replace your core system.Mike's key takeaway for hesitant credit union CEOs? "Don't delay. It's not as big as you think." Start small, experiment, and see if this targeted, personalized approach is the solution to your growth challenges.You're also invited to download Bankjoys white paper on the topic: How Vertical Banking DrivesGrowth for CommunityFinancial Institutions -Reach New Markets with Targeted, Niche Banking Experiences.

October 11, 2025Episode 1731 min

Delivering More Value to SMB Members, with the Co-Founders of Jupid

This episode of the TechSolutions4CUs podcast, hosted by Finopotamus Publisher John San Filippo, features Anna Khalzova and Slava Akulov, the co-founders of Jupid, discussing their white-labeled solution for credit unions looking to serve small business members. The Core Problem and Jupid’s Solution Jupid aims to close the gap between credit unions and small businesses, particularly new ventures, which often do not view a credit union as their primary financial institution at the company formation stage. The Jupid platform provides a crucial set of tools to help small business owners with compliance, tax filing, and accounting, allowing them to focus on their core business. The Member Experience For a small business member, the Jupid platform simplifies running a business, promising less stress.Formation and Compliance: The platform offers a simple, streamlined process for company formation, with support from the local credit union. It provides a structured timeline of compliance tasks for the year, sends reminders, and can even file documents like franchise taxes on the member's behalf, which can be approved through digital banking.AI Assistant: Jupid features an AI assistant, accessible through messengers like WhatsApp or iMessage. This assistant proactively categorizes transactions and can answer business questions on the go. It gains deep context from various sources, including bank accounts, emails, and web searches, to organize operational data, ensure compliance, and streamline financial preparation.Integration: Jupid integrates with existing tools like QuickBooks, automating manual tasks that business owners or accountants would otherwise have to do. The solution is also designed to be tightly integrated within the credit union's digital banking experience. Business Model and Credit Union Benefit Jupid's model is designed to be a "long-term gain" and a "sticky" relationship for the credit union.Revenue: The recommended model is a subscription service for accounting, tax filing, and compliance, priced at approximately $50 a month, which is a fraction of the average annual cost a small business spends on compliance. Credit unions receive a 20% revenue share from this subscription fee.Acquisition: Jupid offers the company formation service for free if the business owner signs up for a business account and the platform's tax/accounting services, which serves as a powerful acquisition tool. The credit union can also choose to refund the state formation fees as an added incentive.Target Market: The platform is an effective tool for credit unions to target their existing retail members who are already running a business through their personal accounts (estimated at around 25% of a credit union's member base). Implementation and Partnership Jupid is pre-integrated with digital banking platforms like Banno and Q2, with a target implementation time of about four weeks. The ideal credit union partner is one in the $1 to $10 billion asset range that is actively committed to growing its small business presence. Once fully implemented, the platform is designed to be highly self-sufficient, saving credit union staff time. AI and the Future The co-founders emphasize that Jupid's core technology is a proprietary AI system trained on tax laws. To ensure trust, all critical actions and filings are supervised by internal human accountants (CPAs). They predict that AI will become an expected, pervasive layer in every part of life, including banking, driving the need for personalized, faster, and cheaper services.

September 7, 2025Episode 1640 min

Ian Nock & Kevin Heisser of ArcShift Talk Cloud Repatriation

As part of our ongoing commitment at Finopotamus to cover the tech topics you won't see in other credit union outlets, we're pleased to offer a very important episode of TechSolutions4CUs on a very important topic: cloud repatriation. This episode features cloud repatriation experts Kevin Heisser and Ian Nock from ArcShift. Cloud repatriation is becoming an increasingly popular idea as organizations that moved all their operations to the cloud are now realizing there’s a strong argument for bringing some of their workload back on-premise.The ArcShift co-founders explain that their company was founded to address what they see as a backward trend in the tech industry, where solutions are often driven by vendor incentives and sales quotas rather than customer needs. ArcShift’s mission is to put people back in control of their data and save them money. They emphasize that they are not suggesting organizations should pull everything out of the cloud, but rather advocating for a hybrid approach. This hybrid model allows organizations to keep some functions in the cloud, while moving certain workloads back on-premise for reasons such as cost savings, security, and performance.One of the main reasons more organizations aren't pursuing cloud repatriation is the strong bias from tech vendors, who profit from the high profit margins and annual recurring revenue (ARR) of cloud services. Cloud companies also make it very easy to migrate data into the cloud with various tools, but make it very difficult to get data out. Another factor is that IT professionals may be overwhelmed and hesitant to move their production workloads for fear of downtime or other complications. ArcShift addresses this by providing a platform and toolset that make the repatriation process easy and seamless, including a TCO (total cost of ownership) tool to help organizations assess potential savings.In addition to cost savings, other benefits of cloud repatriation include enhanced security and better support. In the cloud, hardware is often shared, and there is a risk of misconfigurations or vulnerabilities that can expose data. When a problem occurs, a company with a small infrastructure may not receive timely support from public cloud providers. AI workloads are particularly good candidates for repatriation due to their high cost in the cloud. The cost of running AI infrastructure in the cloud can be "enormously" expensive, and companies are finding that they can buy their own infrastructure for a fraction of the cost and have more control. ArcShift is vendor-agnostic, meaning they do not sell any hardware or software, so their recommendations are unbiased and focused solely on the customer's needs.

August 13, 2025Episode 1545 min

Alicia Disantis of 38th & Kip Studio Talks Branding and PR

In this episode of TechSolutions4CUs, host John San Filippo welcomes marketing expert Alicia Disantis to discuss foundational marketing strategies for small organizations, including fintechs and credit unions, operating on a shoestring budget.Alicia challenges the "Field of Dreams" mentality, where good products are expected to sell themselves. She emphasizes that in today's crowded market, consistent messaging and strategic outreach are crucial.Key takeaways from their conversation include:Building Trust as a Core Principle: Alicia highlights recent data showing trust in an organization and its information as the number one buying factor, surpassing convenience and price.The Four Pillars of Marketing Success: She outlines four essential, low-cost strategies:Define Your Brand Voice: Understand and consistently project your brand's personality across all platforms to build credibility.Survey Your Audience: Utilize simple, open-ended surveys to gain insights into how customers perceive your brand, why they choose you, and where you can improve.Invest in a Quality Website: A professional and user-friendly website is non-negotiable for establishing credibility and avoiding distrust.Leverage Partnerships: Collaborate with trusted organizations to expand your reach and build credibility through association.The Intangible Value of Marketing: Both John and Alicia discuss the challenge of measuring marketing ROI, agreeing that not all impactful marketing efforts can be immediately quantified. They also touch upon the evolving landscape of PR, emphasizing the importance of relationships and consistent effort.Navigating Generational Differences: The conversation touches on how different generations interact with technology and financial services, from millennials' preference for digital interactions to Gen Z's reliance on social media and the growing use of "buy now, pay later" services.The Enduring Importance of Human Connection: Despite technological advancements, both agree that in-person interactions and reliable human support remain vital for building and maintaining customer trust, particularly during critical moments.This episode offers actionable advice for small financial institutions looking to enhance their marketing efforts without breaking the bank.

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