Welcome to another episode of Outlier Podcast! In this conversation, host Anurag sits down with Rick Kapur, Chief Experience Officer at Chevron Federal Credit Union, to discuss the future of member experience, digital transformation, and sustainable growth in credit unions.🎯 Key Topics Covered:Member Experience ExcellenceWhy "frictionless relevance" is the new North Star for credit unionsHow to balance speed and personalization in member expectationsCreating seamless experiences across all touchpointsBranch vs. Digital: The Real AnswerWhy it's NOT a binary choice between branches and digitalThe surprising truth about Gen Z and physical branch preferencesTransforming branches from transaction centers to conversation hubsDriving TransformationThe toughest part of innovation in financial servicesBalancing member convenience with security and trust"We have to be right every time. The bad guys have to be right once."Sustainable Growth StrategyWhy growth must be purposeful, not just for sizeBuilding advocates instead of just adding membersServing SEG communities with excellenceLeadership PhilosophyGetting the right people in the right seatsClarity of purpose and integrated executionMaking technology work for people, not the other way around📊 Notable Stats & Insights:Rick brings nearly 30 years of financial services experiencePreviously spent 25+ years at CitibankLeads Marketing, Growth, Experience, and Operations at Chevron FCU💡 Key Quotes:"It's all about the people... how do we impact their lives?""Members want it when they want it, how they want it""We're not just adding members, we're adding advocates"🎙️ About the Guest:Rick Kapur is the Chief Experience Officer at Chevron Federal Credit Union, where he oversees marketing, growth, member experience, and operations. With close to three decades in financial services, Rick brings a wealth of knowledge about balancing innovation with risk management and creating member-centric financial institutions.🎧 About Outlier Podcast:Outlier Podcast brings you conversations with credit union leaders who are pushing boundaries and making credit unions sexy again. Hosted by Anurag, each episode dives deep into the strategies, challenges, and innovations shaping the future of member-owned financial institutions.📱 Connect With Us:🔔 Subscribe for more credit union leadership insights👍 Like if you found this valuable💬 Comment with your thoughts on branch vs. digital strategy🔗 Share with credit union professionals in your network⏱️ Timestamps:00:00 - Introduction00:49 - What keeps Rick going01:39 - Rick's journey into financial services03:25 - Managing experience, operations, and marketing04:59 - The North Star: Frictionless relevance06:30 - Branch vs Digital: The great debate09:45 - Changing member expectations11:59 - The toughest part of transformation13:32 - Growth strategy and building advocates#CreditUnion #MemberExperience #FinancialServices #DigitalTransformation #CreditUnionLeadership #FinTech #BankingInnovation #CustomerExperience #CreditUnionGrowth #OutlierPodcast

About This EpisodeJoin us for an insightful conversation with Ari Kaplan, Head Evangelist at Databricks, as we explore the evolution of data analytics, sports analytics, and the future of AI-powered business intelligence. This episode is perfect for data professionals, technology enthusiasts, and anyone interested in understanding how data and AI are transforming business decision-making.What You'll LearnThe Evolution of Data & AnalyticsHow analytics has evolved from basic BI dashboards to conversational AI interfacesThe transformation from structured databases to modern lakehouse architecturesReal-world applications of data intelligence across industriesThe shift from manual data analysis to AI-assisted insightsSports Analytics Pioneer InsightsOrigins of sports analytics and its inspiration from MoneyballReal-time analytics in Formula One racing with McLarenHow sports analytics principles apply to business problemsPredictive modeling and decision-making under pressureInnovation at DatabricksWhat evangelism means in the tech worldHow AI BI (Genie) is democratizing data accessAgentic systems and the future of AI applicationsThe importance of unified data platforms for better insightsPractical ApplicationsUsing GenAI for metadata discovery and data catalogingCombining structured and unstructured data for better decisionsReal-time streaming analytics and IoT applicationsBuilding chatbots in under 60 secondsKey Topics Covered✅ Evolution from traditional databases to lakehouse architecture✅ Sports analytics and its business applications✅ Real-time decision making with Formula One racing examples✅ Data democratization for non-technical users✅ Feature engineering from videos and unstructured data✅ Conversational BI and natural language querying✅ First principles thinking in data science✅ The role of data quality in AI/ML success✅ Future of data intelligence and agentic systemsFeatured GuestAri Kaplan - Head Evangelist at DatabricksFormer President of Oracle Worldwide User GroupSports analytics pioneer (top 5 globally)McLaren Formula One analytics consultantCo-author of "Data Intelligence for Dummies"Caltech graduate with extensive experience in mobile, database, and AI technologiesTimestamps00:00 - Introduction and Ari's Background02:48 - What is Evangelism at Databricks?06:09 - What Drives Innovation and Travel09:22 - Journey from Caltech to Databricks11:42 - Pioneering Sports Analytics15:50 - Democratizing Data Access19:12 - Evolution from BI to AI BI23:50 - Innovation at Databricks28:58 - Structured vs Unstructured Data32:46 - Feature Engineering from Videos34:11 - The Future of Conversational BIResources MentionedData Intelligence for Dummies (Free eBook)Databricks Unity CatalogAI BI GenieMcLaren Formula One Racing AnalyticsFor Data ProfessionalsThis episode is essential viewing for:Data Scientists and AnalystsBusiness Intelligence ProfessionalsTechnology Leaders and CTOsProduct Managers in Data/AIAnyone interested in sports analyticsStudents pursuing careers in data scienceConnect With UsHost: Anurag MukherjeeGuest: Ari Kaplan - Follow him for insights on data, AI, and innovation (https://www.linkedin.com/in/arikaplan/)Related Topics#DataScience #DataAnalytics #ArtificialIntelligence #MachineLearning #Databricks #SportsAnalytics #BusinessIntelligence #DataEngineering #GenerativeAI #ConversationalAI #FormulaOne #Moneyball #BigData #CloudComputing #DataLakehouse #RealTimeAnalytics #FeatureEngineering #PredictiveAnalytics #TechInnovation #DataDemocratization

Join us for an insightful conversation with Kevin Miller, CEO of Travis Credit Union, as he shares his unique journey from banking to leading one of Northern California's premier credit unions.In This Episode:From Banking to Credit UnionsKevin discusses his transition from national banks and fintech to the credit union world, and why the community-focused mission drew him to this space.Leadership PhilosophyLearn how Kevin approaches transformation through the lens of member impact, using an inverted pyramid leadership model where great people, processes, and tools serve the community.Data & Digital TransformationInsights on how credit unions are leveraging data analytics and foundational technology to compete with national banks while staying true to their community roots.Growth with PurposeKevin shares Travis Credit Union's strategy of serving 260,000 members across Northern California, with 50% of loans going to low-to-moderate income communities in Q1.The Credit Union DifferenceWhy credit unions focus on financial education and member empowerment over product-first conversations—and how this builds loyalty for life.Timestamps:00:00 - Introduction & Welcome00:21 - Kevin's Background: From Banking to Credit Unions01:25 - What Keeps Kevin Going as CEO02:38 - Why Credit Unions? The Decision Behind the Move04:25 - Community Impact vs. Traditional Banking P&Ls07:14 - Kevin's Career Journey: Marketing to Leadership09:30 - Shared Backgrounds in Marketing Science10:33 - Defining Transformation for Credit Unions12:57 - The Role of Data & Analytics in Credit Unions15:54 - The One Problem Kevin Wants to Solve18:20 - Credit Union Mindset: Community Over Competition20:11 - Top Three Things That Keep Kevin Awake at Night22:39 - Balancing Ambition with Organizational Pace24:18 - Travis Credit Union's Growth Strategy26:12 - Knowledge is Power: Member Education First27:42 - Closing Thoughts: Getting the Basics RightKey Takeaways:The importance of balancing ambitious goals with organizational paceHow credit unions keep money in local communitiesWhy knowledge and financial confidence matter more than product pitchesThe challenge of staying top-of-mind when 80% of new households choose national banksAbout Kevin Miller:Kevin Miller is the CEO of Travis Credit Union, bringing extensive experience from national banks, regional institutions, and fintech companies. His career spans marketing, product management, M&A, and retail banking leadership before finding his calling in the credit union movement.About Travis Credit Union:Travis Credit Union serves 260,000 members across Northern California, focused on delivering financial success through member education, personalized service, and community impact.🎙️ The Outlier Podcast - Conversations with leaders transforming financial services📧 Contact: [Your contact information]🔔 Subscribe for more episodes with financial services innovators#CreditUnion #FinancialServices #Leadership #Banking #CommunityBanking #DigitalTransformation #FinTech #TravisCreditUnion #TheOutlierPodcast