The CTO of Alkami Explains the Future of Fintech

Kris Kovacs sits down with Deep Varma, CTO of Alkami, for a deep conversation on the future of AI-powered digital banking. Deep shares lessons from decades in Silicon Valley, including his work at IBM, Yahoo, startups, and Varo Bank, and explains how Alkami is helping credit unions and community financial institutions innovate faster through open architecture, AI-driven experiences, digital identity, and extensible banking platforms. From hackathons and developer culture to AI agents and the future of consumer banking, this episode explores what financial institutions must do now to prepare for the next era of fintech transformation.