Banking on Experience powered by BUSINESSNEXT
by Andrew Piron & Joshua Barclay
Come hear from the voices of people working at financial institutions all over the world – the voices doing the work, driving change, creating a movement, and building the financial industry into a more positive and innovative place. No topic is untouchable as we discuss everything from DEI and leadership to culture, lending, and so much more. Sponsored by BUSINESSNEXT, a CRM platform built for Banks and Credit Unions where they value the opportunity to Simplify Work, Drive Growth, and Deliver on Experience.
Episodes
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What It Actually Takes to Turn New Members into Real Financial Relationships
The NCUA reports that 64% of new credit union members show zero activity beyond opening their account. That's not a growth problem — it's an activation problem. And in this episode, we get into exactly how to fix it. Joining host Joshua Barclay are Matt Fehrmann, CIO of Kohler Credit Union, and…
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What Matters Most for Credit Unions in 2026
With thousands of credit union-related conversations under his belt, CU Broadcast host Mike Lawson has his finger on the pulse of the industry like few others. So we asked him point blank: after everything you heard in 2025, what should be top of mind for credit union leaders heading into next...
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Better Risk Management starts With Unified Data
Most financial institutions are swimming in risk right now: cyber threats, regulatory pressure, liquidity concerns, fast-moving competitors, and the accelerating impact of AI. But as Ed Vincent, CEO of Lumio Solutions, explains, the biggest threat isn't any of those individually. It's the...
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Building Teams That Scale: Beyond The Tech Stack
Most credit unions talk about digital transformation as a tech problem. But the real differentiator is not software. It is a strategy that starts with your people and your teams. According to McKinsey, about 70 percent of digital transformation initiatives fail to meet their goals, creating…
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Inside Jack Henry's Ambitious Strategy to Modernize The Core
Tired of hearing about costly, disruptive core conversions that sideline credit unions when they need to compete most? There's a better way forward. In this episode, host Joshua Barclay sits down with Brynn Ammon, President of Credit Union Solutions at Jack Henry, to explore how extending—not...
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Breaking Down Banking Silos: The Highway To Unified Data
What do 300 high schoolers, a treacherous dirt road, and an epic keg party have to do with your bank's data strategy? Everything, according to Joshua Barclay and Nick Del Francia from BusinessNext. In this unique episode, Joshua shares a wild story from his Connecticut party-throwing days to...
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AI Without Fear: The Compliance Playbook for Credit Unions
Most credit unions are trapped in AI paralysis. It's not because they don't want the competitive advantage, but because they're terrified of what happens when regulators come knocking. In this tactical episode of Banking on Experience, host Joshua Barclay sits down with Ray K. Ragan, Chief...
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Survival of the Data-Fittest: Win the Retention Race in Modern Banking
What if the secret to member retention isn't more data—but better use of it? In this live episode of Banking on Experience, we tackle one of the biggest challenges facing credit unions today: keeping Members engaged in an era of limitless options and vanishing loyalty. You'll learn: Why 44% of…
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Why Bank of Idaho Bet Big on Acquisition – A Candid Talk with CEO Jeff Newgard
Bank of Idaho made headlines with its $245 million acquisition deal with Glacier Bancorp—a bold move at a time when community banks are battling rising regulatory pressure, digital disruption, and funding challenges. In this episode, Chairman, President & CEO Jeff Newgard shares: The key factors...
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The Real-Time Payments Fraud Dilemma: Why Faster Transactions Mean Bigger Risks
Real-time payments are revolutionizing how money moves—faster, easier, and more seamless than ever. But with speed comes risk. Fraudsters aren't just small-time scammers anymore; they're running sophisticated, AI-powered crime rings that target credit unions and community banks in real time. So,...
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Turning Data into Dollars: Smarter Segmentation, Better Marketing for Banks & Credit Unions
Banks and credit unions are sitting on a goldmine of data—so why aren't they using it to drive real growth in their marketing motions? Too often, financial institutions collect massive amounts of customer insights but struggle to turn them into personalized marketing strategies that actually...
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Why 44% of Accounts Go Inactive in Year One—and How to Fix It
Did you know that nearly half of new accounts—44%—go inactive within the first year? That's not just lost revenue—it's a major threat to long-term growth for banks and credit unions. The culprit? A broken onboarding process. Too many financial institutions skip relationship-building and jump...
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The 2025 Marketing Playbook for Banks & Credit Union
Marketing budgets are being slashed. Competition is fiercer than ever. Proving ROI? It's an uphill battle. Are you ready to transform your marketing from a cost center into a growth engine? In this episode of Banking on Experience, we're joined by James Robert Lay, CEO of the Digital Growth...
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Do You Really Own Your Digital Transformation?
Digital transformation isn't just a buzzword—it's a survival strategy. But here's the catch: 70-80% of digital transformation projects fail. Why? Because many credit unions and banks unknowingly rent their digital future from vendors, leaving them trapped by hidden fees, outdated systems, and…
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The Global Mission to Advance Credit Union Growth
Credit unions are making waves not just locally, but globally! The need for people helping people extends far beyond U.S. borders, and we're about to take you on a journey that will expand your understanding of just how impactful this movement is. In the latest episode of Banking on Experience…
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How Small Credit Unions Can Find Their Competitive Advantages
Think small credit unions can't thrive in a post-pandemic economy? Think again. If you believe they can't be at the forefront of innovation, it's time to reconsider. In this episode, we're joined by Jed Meyer, CEO of St. Cloud Financial Credit Union, who is rewriting the playbook for...
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Navigating CDFI Changes: Shirley Senn's Timely Advice
Are you struggling with the complexities of getting crucial certifications and grants for your credit union? We're excited to welcome Shirley Senn, Chief Consulting Officer for CU Strategic Planning, a key figure in the credit union movement. With a passion for saving small credit unions and...
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Tackling Healthcare Costs: CU Healthcare PayCard & VyStar Credit Union
Healthcare costs are skyrocketing, and the pandemic has intensified both mental and physical health crises. Traditional healthcare plans often fall short, leaving many to endure high-interest loans or forgo essential treatments. In this crucial episode of Banking on Experience, we explore how...
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Leveraging AI for Credit Union and Banking Growth: More Than ChatGPT
Ever feel like AI is just a buzzword? This episode is where the rubber meets the road. We're diving into how AI can elevate your bank or credit union by growing your member base and deepening your existing relationships. Get ready for a no-nonsense AI breakdown with real-world applications that...
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High Finance: How Credit Unions Can Lead the Cannabis Banking Charge
In this episode, we dive into the rapidly expanding world of cannabis banking—a sector buzzing with opportunity yet tangled in regulatory constraints. Despite the broad legalization across states, federal hesitancy leaves many entrepreneurs in the cannabis industry struggling to find financial...
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Overcoming Core Challenges: How Credit Unions & Banks can innovate despite their Legacy Systems
Is legacy technology stifling innovation at your bank or credit union? In this transformative episode of the Banking on Experience Podcast, we delve into the heart of technological stagnation that plagues many financial institutions. Join us as we engage with the minds behind Janusea, the company...
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Redefining Growth: M&A Insights for Forward-Thinking Credit Unions
As credit unions and their members face an intensifying landscape of challenges, from stringent audits to strategic mergers, this episode sheds light on the crucial decisions shaping the industry's future. I Join Joshua Barclay and John Taylor, alongside growth engineer John Dearing from Capstone...
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Future-Proof Your Credit Union: MSU Federal Credit Union's Innovation Blueprint Revealed
Dive into the realm of Michigan State University Federal Credit Union, where innovation isn't just a buzzword – it's a way of life, thanks to their groundbreaking innovation lab. Witness firsthand how Michigan State University Federal Credit Union sets the standard in the credit union landscape...
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Insider Secrets Revealed: Navigating the 2024 Consumer Lending Landscape
Are you up to date with the latest consumer lending trends for credit unions and banks in 2024? We've invited a renowned industry expert to demystify emerging consumer lending trends and reveal opportunities for your credit union or bank. Meet our guest, Jade Beckman, the Vice President of…
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AI Simplified: Real-world Tactics for transforming your financial workflow today
Are you ready to see what artificial intelligence can really do for your Credit Union or Community Bank, beyond the buzzwords and the hype? Forget the jargon and the tech-speak; this episode is tailored for Credit Union and Community Bank professionals who want to harness the power of AI without...
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The Small Credit Union That Rose from the Ashes and Beat the Odds
Small credit unions often find themselves in the shadow of larger banks, with the threat of mergers looming large. But is there a way for these underdogs to not just survive, but thrive amidst such challenges? Enter Peter St. Onge, President/CEO of Trademark Federal Credit Union, who knows the...
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Ronaldo Hardy Unveils His Timeless Leadership Principles
In this episode, we uncover the invaluable lessons that credit union leaders can learn from the remarkable Ronaldo Hardy, the new CEO of NACUSO. With a deep well of industry experience and a track record as a purpose-driven, high-results CEO at Southwest Louisiana FCU, Shell Geismar FCU, and as…
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Auto Market Trends & Indirect Lending Tips: What Every CU Needs to Know
Are you a credit union leader or stakeholder looking for a competitive edge in auto lending? Don't miss this must-listen episode of 'Banking on Experience,' where we pull back the curtain on the auto lending industry. Our special guests, Kurt Howard and John Riley of CU Alliance, will share...
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Unveiling the New World Banking Order: How to adapt to the New Lending Landscape
Is the traditional lending model under threat? Today's guest believes we're entering a "New World Banking Order," a change of such great magnitude, that only the banks and credit unions that adapt their lending strategies quickly will survive. Join us as S. P. "Wije" Wijegoonaratna, CEO and…
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Let's Talk Marketing: How To Do More With Less
Ready to Achieve Credit Union Marketing Excellence on a Shoestring Budget? Ever feel like a Credit Union marketing MacGyver, being constantly nudged to craft marketing miracles with what might as well be a shoestring and some chewing gum? We've all been there. But hold your head high! Even in a...
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Unlock CU growth right now: How to expand your field of membership with data strategy
The burning question for many credit unions is: "To Merge or Not to Merge?" It's a decision that carries profound implications, and one that's becoming ever more pressing in our turbulent financial landscape. With an array of challenges confronting smaller credit unions, is merging the only path...
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Revolutionizing the Credit Union Call Center: How to go from a service to sales model
It's no longer enough for credit union contact centers to simply answer questions and resolve issues. To remain competitive and ensure sustained growth, credit unions need to transition their contact centers from mere service providers to revenue-generating powerhouses. Join us in this…
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Innovation or Extinction: How Credit Unions Can leap into the fintech era with ease
Introducing new technology to your Credit Union can feel like trying to launch a spaceship with a rubber band. But what if we told you there's a secret weapon—a cheat code—to help you leap over the hurdles of adopting new technology? Imagine your Credit Union smoothly adopting innovative fintech,...
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Navigating the Insurance Crisis: How Banks and Credit Unions Can Overcome Soaring Costs and Secure Their Future
We're in the middle of an insurance crisis: Credit Unions and community banks are being dropped by their providers while premiums skyrocket. Likewise, consumers face escalating insurance costs as global economic instability intensifies. Here's a snapshot of the escalating insurance costs: Car...
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Most Data Transformation Projects Fail: Here's how to do them right
Here's an uncomfortable reality that our Credit Union comrades must grapple with: a whopping 84% of digital transformations fail, according to Forbes. And this isn't just a Credit Union issue; it's an industry-wide epidemic, with every data point on the internet citing a two-thirds or higher...
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CU Joe's Marketing Masterclass: Unearthing Golden Opportunities
In recent weeks, we've seen deposits move from regional banks to colossal, too-big-to-fail institutions, as people grow increasingly concerned about their deposit safety. Is this the perfect opportunity for Credit Unions to showcase their unique value to Americans and increase their market share?...
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Liquidity Crisis 2023 and Actionable Solutions
Looking for brutally honest answers to your liquidity challenges? Then you won't want to miss out on the first-ever Banking on Experience Live Podcast: Liquidity Crisis 2023 and actionable solutions. This live podcast brought together a community of credit union professionals and industry experts...
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People Helping People?: A CU Mantra Check-Up
As we strive to embody our values, it's essential to evaluate ourselves periodically. Joe Winn, also known as the "CU Geek" and a Data/Marketing Jedi, has demonstrated as President of GreenProfit Solutions that aligning your Credit Union's business model around social purpose is vital. During…
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Taylor-Made: Filene's Latest Breakthroughs For Credit Union Success
Taylor Nelms is here to reveal Filene's latest Breakthrough research for Credit Union Success. Armed with insights from Filene's cutting-edge incubators, research projects, and focus groups, Taylor talks about the toughest problems facing Credit Unions and how to solve them. Now, let's talk about...
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The Crypto Cart: How The CU Collaborative Approach Grew the Best Apples In the Bunch
Are you ready for more from the "CU That Could"? Well, we've got you covered! Becky Reed, CEO of LoneStar CU, is back by popular demand for the second installment of our deep dive into the world of cryptocurrency. Joining her is John Wingate, CEO and Founder of BankSocial, whom she affectionately...
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Hauptman on Capital Hill: A "Fireside Chat" From the NCUA Vice Chair
This week we are honored to have the Vice Chair of the NCUA (and Maine small-town boy), Kyle Hauptman. Kyle opens up about the biggest political and economic issues that are hitting our Credit Unions and their members during this recession, the current and future economic climate, the upcoming…
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A "Bit" From the Other Side: Bitcoin NOW And Why Cryptocurrency is far from over
Dear Credit Union Listeners, if you're thinking of dismissing Bitcoin and not making it an option for your members, you may be missing the big picture. Your Members didn't stop making investments after they discovered what Bernie Madoff was doing on the 17th floor of the Lipstick Building....
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Curql of Trust: How the Fintech CUSO Factory is Expanding in 2023 to Make Room for You
Yeah, we're definitely in a recession, but that doesn't mean Credit Unions should sit idle. It's time to take action. Back by popular demand, Jim Ryan, VP of Strategic Partnerships at Curql Collective, is here to help us kick off 2023 with a message of hope. In this episode, Jim gives his take on...
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Hedging Your Fintech Bets: A CUSO's Fintech Investment Journey.
Everyone in the Credit Union space has heard the same thing for almost a decade: The fintechs are coming! But few people have offered Credit Unions actionable advice on how to compete in the era of ever-changing financial technology –– until now. Ron Araujo, President of Mission Federal Services,...
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Marketing Mouthy: Podcasts, Bundling Media Buys & Working Smarter from the Outside-In.
You know your Credit Union needs to rethink its marketing strategy going into 2023. But how, exactly, are you going to do marketing differently? To help you answer this question, we brought on a brutally honest marketer with over 20 years of experience. Enter Isaiah Moskowitz, Owner of LTI…
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The Data "Ark": Will CECL SAVE or SINK CUs
After years of throwing the CECL "Message in a Bottle" back into the ocean, the Credit Union industry now must comply and set money aside from every loan in case things go sour. Is this rainy day fund just in time, or will this regulation hinder the growth of Credit Unions big and small? Michael...
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The Gravity of GAP: Is the Sky Falling or is that just your Car?
There is good reason to believe that we will see a major auto-loan default crisis coming very soon. What will happen to vehicle values and the loans attached to them? And how will this affect your Credit Union and its members? If only there was a "crystal ball"... Enter Jim Tenhudfeld, President…
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How can Credit Unions regain their competitive advantage over banks?
Here's the bad news for you Credit Union folks: You are losing your competitive advantage over banks. Historically, Credit Unions have had advantages over banks in the following areas –– rates and fees, member service, and digital technology. But now, banks are catching up to Credit Unions in all...
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CURQL Wonka and the CUSO Factory: Jim Ryan has your Golden Ticket.
Imagine if there was a CUSO that paired your Credit Union with cutting-edge fintech solutions -– to help you implement leading technology faster, easier, and more affordable. On second thought, you do not have to imagine this scenario. The golden ticket for your Credit Union is finally here. Jim...
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Episode 113: The "CU That Could"
If you're at a small Credit Union and are being told "you can't" because of your asset size, this podcast is for you. Becky Reed, CEO of Lone Star Credit Union, is proving day in and day out that a can-do attitude –– regardless of your asset size –– and a willingness to say "yes" instead of…
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About this show
Come hear from the voices of people working at financial institutions all over the world – the voices doing the work, driving change, creating a movement, and building the financial industry into a more positive and innovative place. No topic is untouchable as we discuss everything from DEI and leadership to culture, lending, and so much more. Sponsored by BUSINESSNEXT, a CRM platform built for Banks and Credit Unions where they value the opportunity to Simplify Work, Drive Growth, and Deliver on Experience.
Hosted by
Andrew Piron & Joshua Barclay
Categories