The Enterprise Shift: John Fede on Modernizing Hudson Valley Credit Union

John Fede, CIO of Hudson Valley Credit Union, has spent over 30 years in technology across government, publishing, consulting, and financial services. In this conversation, he gets honest about the unglamorous work that has to happen before innovation is even possible — fixing data infrastructure, building AI governance, scaling automation, and maturing cybersecurity — and why skipping those steps is exactly how credit unions fall behind.He also shares two bold predictions: AI as a force multiplier that lets smaller institutions compete with the biggest banks, and stablecoins as a genuine threat to ACH as we know it.Plus, the leadership philosophy that drives everything — be comfortable being uncomfortable, make your people marketable, and never fall in love with the technology itself.A sharp, grounded conversation for anyone building the future of community finance.