American Banker Podcast

Dek: Zach Gipson, chief innovation officer at USAA, acknowledges that chatbot technology today lacks the intelligence to have natural conversations about money. But he doesn’t understand some companies’ hesitancy to try the technology. “Why would you want to wait to start learning from your customers?” he said.

Women with low credit scores tend to work long hours at low pay, care for parents as well as children, and tend to have trouble making ends meet. Jonathan Walker, executive director of the Center for the New Middle Class, and Mark Schwanhausser, director of digital banking at Javelin Strategy & Research, kick around ideas for how banks and fintechs could help women who are caught in a subprime trap.

The last mile of any distribution network is always the least efficient, and it is no different for financial services. This week JP Nicols and Jason Henrichs talk about the ways that fintech can help make apps and branches more productive, with guests Michelle Tinsley, founder of Tinsley Retail Insights, and Mike Laven, CEO of Currencycloud.

Ellen Zimiles, global head of investigations and compliance at Navigant Consulting, shares what she's learned about testing and implementing AI in compliance departments, filing defensive SARs, and hiring the right people to maintain an AI system.

Guest hosts Jason Henrichs and JP Nicols interview Perianne Boring, founder and CEO of the Chamber of Digital Commerce, about blockchain trends and challenges. Brett King talks with Derek Corcoran, chief experience officer at Avoka, about the onboarding vendor’s new Digital Onboarding Trends report.

To be future-proof, banks need data scientists, behavioral psychologists, experienced designers, and community advocates, King says.

Julieann Thurlow, president and CEO of Reading Cooperative Bank Reading Cooperative Bank, a community bank in Massachusetts, argues that tech-savvy lenders like Sofi can draw in the lowest-risk borrowers with a fast, simple online process and shares the challenges of innovating at a community bank.

Bakhshi, CEO of the bank since 2016 and and No. 4 on American Banker's list of the most powerful women in banking, shares what she's doing to improve customer journeys, make the bank a better place to work, and create a culture of innovation.

Brett King talks with Hong Kong venture capitalist Sameer Chishty about the possible trade war and with Bob Pisani, CNBC "On-Air Stocks" Editor, about how U.S. exchanges have responded to blockchain trends.

Moody’s lead analyst Fadi Massih shares some of the things he looks for when deciding how to rate banks, including the traits that could help them withstand the challenge from fintechs.