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 Information Officer at Securityplus Federal Credit Union, to solve the AI compliance puzzle once and for all—so credit unions can tap into the transformative use cases waiting on the other side.

Ray isn't your typical credit union executive. As an Army Reserve officer who served on the Army AI Task Force and holds multiple AI patents, he's witnessed AI's evolution from military-grade applications to credit union boardrooms.

His unique perspective bridges the gap between cutting-edge AI technology and regulatory reality.

Want the compliance roadmap? We cover it: risk assessments, board sign-offs, examiner questions. Plus, Ray reveals some powerful, unique AI use cases that are specific to credit unions.

If you’ve been waiting for a real-world answer to AI and compliance, this podcast episode is for you.

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 new accounts go inactive within a year—and how to reverse it
• The high cost of fake personalization
• Real-world tactics that combine human connection and AI-powered insights
• How a Detroit Lions-themed CD campaign turned into a member engagement machine
• Why you don’t need a data warehouse to start making data-driven decisions

If you care about member relationships, operational efficiency, or turning data into action—this one’s for you.

Our expert panel brings real-world strategies to the table:

• Brad Shafton, SVP of Digital & IT at Magnifi Financial, shares how his team creates hyper-personalized member experiences that actually drive retention.
• Emily Sutton, Director of Marketing at Community Financial CU, reveals how creativity, community, and data came together to power a wildly successful Lions-themed CD campaign.
• Mitch Rutledge, CEO & Co-founder of Vertice AI, breaks down how to ditch siloed data and start delivering smarter, faster member engagement—without waiting years to unify every system.

These aren’t theorists—they’re operators inside credit unions getting real results. Here’s how they do it.

Tune in and take notes.

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 that drove the decision to sell

• The toughest leadership challenges during the transition

• How he approached cultural integration between two institutions

• The hard truths every community bank leader must face in today's fast-changing market

Whether you're weighing an acquisition or simply trying to future-proof your financial institution, this episode offers real-world lessons you can’t get from a playbook.

Listen now to hear Jeff’s brutally honest insights about M&A, leadership, and the future of community banking.

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, how do financial institutions fight back?

In this episode of Banking on Experience, host Joshua Barclay sits down with Jeff Scott, VP of Fraud Tech Solutions at Q2, a fraud prevention expert on the front lines of the fight against real-time financial crime.

Together, they reveal how credit unions and community banks can shift from playing defense to going on the offensive, covering topics like:

• How fraudsters have evolved into sophisticated, AI-powered crime rings.

• Why traditional fraud detection tools aren’t enough in a real-time payments world.

• How cutting-edge fraud prevention tech is helping FIs stay ahead of bad actors.

• The tricky balance between airtight security and seamless user experience.

Fraud is no longer just a risk—it’s a multi-billion-dollar industry. If credit unions and banks don’t act now, they won’t just lose money—they’ll lose trust, members and customers, and their future.

Don’t wait until it’s too late—tune in now and discover how to stay ahead of fraudsters before they strike.

On another note: If you'd like to join us for our Demo Tuesday Sessions, where we demo the BUSINESSNEXT solution virtually and answer your CRM-related questions on Microsoft Teams, use this link to sign up.

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 convert. The key isn’t just having data—it’s knowing how to use it.

In this episode, we sit down with Phillip Bosley, Founder & CEO of Tactical Marketing Automation, to break down the roadblocks keeping banks and credit unions from leveraging their data effectively.

We cover the following in this podcast episode:

✅ The biggest segmentation mistakes that lead to disengaged customers

✅ How automation bridges the gap between insights and action

✅ The brutally honest marketing truths financial institutions need to hear

If you’re ready to stop letting valuable data collect dust and start using it to build smarter, more profitable marketing campaigns, this episode is for you.

If you'd like to join our Demo Tuesday sessions and see a deep dive of the Businessnext software solution, click here to register. Hope to see you there.

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 straight into cross-selling, leaving members and customers disengaged and more likely to churn.

So what’s going wrong—and how can banks and credit unions turn things around?

Our guest, Har Rai Khalsa, CEO & Cofounder of Swaystack, joins hosts Joshua Barclay and Andrew Piron to uncover the biggest onboarding mistakes institutions make—and how to fix them.

We’ll break down practical strategies to engage members from day one, boost retention, and drive long-term loyalty.

If you want to turn new account holders into lifelong members, tune in now and discover the onboarding strategies that make the difference.

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 Institute and host of the Banking on Digital Growth podcast, boasting over 450 episodes of insider strategies.

James reveals his proven playbook to help financial institutions unlock podcasting as a game-changing growth tool, defend their marketing budgets in tough times, and focus on the key areas that drive measurable results.

Packed with brutally honest insights and actionable advice, this episode delivers everything you need to boost growth, prove ROI, and outpace the competition.

Tune in now to discover The 2025 Marketing Playbook for Banks & Credit Unions. Whether you’re a marketer, executive, or aspiring leader, this podcast episode will act as your roadmap to better marketing perofrmance in 2025.

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 lack of control.

In this episode of Banking on Experience, we sit down with Dylan Shaver, Chief Revenue Officer at TreXis, to uncover the truth about digital transformation.

Dylan shares why owning your digital infrastructure is the only way to truly innovate and how TreXis is helping financial institutions escape the endless cycle of vendor lock-in.

You’ll hear about:

• The “build-to-own” approach that can save millions in licensing fees.

• The three foundational steps to a successful digital transformation.

• Why real-time data is no longer a luxury—it’s a necessity.

• Brutally honest insights every leader needs to hear before embarking on a digital transformation journey.

Ready to break free from outdated tech and reclaim your digital destiny? Get ready for a timely episode of Banking on Experience, hosted by Joshua Barclay.