Justin Estes
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Banks Must Rethink Their Core Systems for the AI Era
SRM’s chief strategy officer on how banks and credit unions balance legacy system upgrades, AI adoption and branch strategies.
Why Niche Banking May Be Community Banks’ Secret Weapon
Community banks can gain competitive advantage by leveraging digital technology to go vertical in specialized markets.
How Regional Credit Unions Can Win the Personalization Race
A Utah credit union executive explains how focusing on member life goals rather than products creates lasting relationships.
Beyond Old School Marketing: Mastercard and Others Lean Into Immersive Experiences
Both companies reject traditional loyalty programs in favor of building “brand affection” through authentic engagement.
How Mid-Size Banks Can Win Against Big Tech and Megabanks
A veteran banking executive explains how regional banks can leverage targeted segments and strategic technology investments to compete effectively against larger institutions and fintech disruptors.
Beyond Buy Now, Pay Later: How Citi is Reinventing Point-of-Sale Lending
Citi’s head of connected commerce on how embedded financial products and flexible payment solutions are transforming both digital and physical retail experiences.
