Believe in Banking: Recent Episodes

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Believe in Banking is a podcast series for decision-makers, influencers and leaders featuring experts taking on the financial industry’s most pressing issues with insight and empathy. With the belief that banking can help us meet the moment and emerge stronger for it, the podcast features information and conversations designed to enlighten and empower.

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In this episode, Sean and Gina share timely insights from speaking and participation at the financial industry’s leading conferences. Specifically, they discuss demands on banking and credit union leaders relating to their branch networks and how planning for saving and growing at the same time is essential for institutions of all sizes. To make the most of opportunities that branches bring, many institutions have been active in either acquiring small networks or building new locations in growth markets. Addressing the latest generational data, they discuss how people from all generations are seeking in-person advisory services at the branch as everyday transactions go digital. Finally, they look at examples that range from Chase to Guaranty bank in Mississippi and the powerful combination of the right market with the right bankers and the right physical presence.


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In this special summer episode on innovation, Sean and Gina look at change in financial services at the institutional and industry level. With data and insights gathered from the financial services sector’s most influential gatherings, they discuss new ways that banks and credit unions usher in upgrades to meet customer expectations, while driving more efficiencies in the branch network. They discuss deploying digital solutions and ITMs that go beyond omnichannel, into a total experience journey, and share examples of forward-thinking organizations focused on future-proofing and growing their institutions.


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In this special episode, Sean and Gina welcome back Dave Ehlis, President and CEO of Bravera Bank. In part two of their discussion, Dave talks about how the brand change the bank prioritized would come to life inside their branches and across their growing network – from smaller more rural branches to larger ones in bigger cities. He talks about the power of optimism and how instead of fixating on the downsides of change, leadership across their organization focused instead on what could go right, and how committing to investing in manifesting this brand to branch change would pay off now and in the future, in the people and places Bravera would serve. Finally, Dave shares his deep belief in banking and how he sees Bravera's commitment to customers all around, supporting them throughout their lives.


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In part two of the “Biggest Banking Trends of 2022” special episode, Sean and Gina take stock of what’s on the minds of banking leaders in these unprecedented times. They look at ways banks and credit unions are making banking better for people as they navigate post-pandemic uncertainty, especially through a focus on financial wellness. Institutions are also making headway by looking at their organizations through the lens of a challenger, understanding that change doesn’t have to come through fintech-style innovation. Future-focused banks are successfully leveraging their existing strengths, like locality, and strengthening them with smaller formats and hybrid tools like ITMs. So, as banks get more efficient, they also can amplify customer experience at the same time.


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In this special episode, we look at some of this year’s biggest banking trends. From meeting consumer’s unique needs to scaling for strength, Sean and Gina discuss how banks are delivering in our post-pandemic era. One important reality coming out of COVID is how people of all generations are prioritizing financial wellness, and banks, especially community financial institutions, are in the perfect position to provide education and support. Another major theme from 2022 is the idea of M&A leading to serving more and serving better. That means banks are assessing formats across their whole branch network. Whether kickstarted by M&A or simply though organic expansion, banks are getting more efficient through downsizing while looking like they’re upsizing, especially when it comes to customer experience. A keen eye on their brand is an important element of delivering that ideal branch banking experience.


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As industry conferences return live and in-person, we’re back on the speaking circuit and learning anew what’s on the mind of the banking leader. In this episode, Sean and Gina discuss themes coming out of major banking conferences like Future Branches and how the war for talent is presenting real challenges for banks and credit unions in our new pandemic normal. They dig into recent data on branches and find that the numbers of closures don’t tell the full story of institutions rationalizing and reinvesting in their overall network – where a decrease in branches can actually create a net increase in experience. Armed with real-world examples, they discuss innovative ways that institutions are getting more efficient while upgrading the service to their clients at the same time and discuss how banks embrace innovations like digital solutions and ITMs to future-proof their organizations.


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In part two of their conversation, Sean and Gina welcome back Terrie Spiro, co-founder, founding director and chair, and Jennifer Docherty, co-founder, founding director and chief executive officer of Bank on Women. They build on the ideas shared in part one – that qualified women in leadership positions in banking make both individual institutions and the industry as a whole better. In this episode, Terrie and Jenn explore some of the skills that women bring that improve their organizations, including leadership styles and emotional intelligence that make them more effective leaders in turbulent times. They share some of their real world experiences and practical tools for supporting women, like mentorship, sponsorship and allyship, that will help elevate women to leadership positions and ultimately foster greater female recruitment and retention in banking.


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In part one of this special episode, Sean and Gina welcome Terrie Spiro, co-founder, founding director and chair, and Jennifer Docherty, co-founder, founding director and chief executive officer of Bank on Women. Dedicated women’s leadership in community banking, Bank on Women strives to increase the number of qualified women serving on the C-Suite and in the boardroom – which will make banking better for all and foster opportunities for women now and in the future. Armed with powerful data, Terrie and Jenn share how banks with diverse representation in leadership benefit from increased performance and improvement to the bottom line. They discuss the “leaky pipeline” of women entering leadership positions and tools to support and sustain institutional and industrywide change.
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Over the last several years, there has been a ton of talk about the impact of outsiders like fintechs on banking and ways community institutions have to keep up. In this episode, Sean and Gina flip the script a little and reframe the idea of what it means to be a challenger in banking today. What are the ways community financial institutions and regional banks are leading? For these banks, embracing a challenger mindset means going beyond technology tools and focuses on other ways of innovating and competing. With examples in branch and mobile banking, the discussion uncovers ways that banks dig into their core, double down on their brand and meet people where they are to deliver experiences they want. And customer satisfaction scores show the approach is working.


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One of the buzzworthy themes across the financial services sector is how to make banking better. With fintechs continuing to make inroads into banking’s customer base, what does making the experience better for the customer look like? In this episode, Sean and Gina share the latest information and insights on people’s top financial priorities in 2022 and explore ways that banks and credit unions are meeting customers where they are – from mobile to the branch, and even on TikTok. With trends set in motion during the pandemic, Sean and Gina discuss the pressing need for financial wellness across generations and how banks are stepping up providing new tools to empower consumers no matter where they are in their financial journey.


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As the economy continues its pandemic recovery, financial institutions of all sizes are looking for effective ways to compete. In this episode, Sean and Gina discuss leaning on brand for growth. Whether you’re a financial institution scaling through mergers or expanding operations into new markets, considering the implications of your brand in people’s minds is foundational to your success. Are you looking at brand early enough in M&A due diligence? Do you have the right name as you move into new markets? What is your strategic plan moving forward? To discuss credit union growth, Sean and Gina bring into the conversation Adrenaline’s managing director of strategy Juliet D'Ambrosio who just presented the CUNA Conference. Juliet discusses the power of the credit union value proposition and ways for brands to look outside of banking for brand best practices and inspiration for the industry.


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From mergers and acquisitions to branching into new markets, banking’s major focus post-pandemic is on growth. In this episode, Sean and Gina discuss this desire for scale amidst great uncertainty. With M&A activity hitting its highest levels since 2007, deals are happening all around, but it’s not just big banks competing for dominance. Community banks and credit unions are looking at expansion through acquisition. But we’re also seeing mergers of equals, banks buying or partnering with fintechs, fintechs buying or partnering with banks, and niche and large technology enablers leveraging their specialties in new and novel ways. Find out how – especially for smaller and midsized financial institutions – it's more important than ever implement strategies that help community banks serve more and serve better.


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In Part 2 of their conversation, Sean and Gina welcome back David Trautman, chairman and CEO of Park National Bank. They discuss how a realignment and rebrand provided the bank the perfect platform for Park’s spirit of service, giving a streamlined and simplified brand for Park’s people to rally around. He addressed how launching during COVID continued on a tradition of steadiness in the storm for a bank that has always thrived during even the most chaotic times. Finally, David reveals why he believes so deeply in banking and how Park remains so committed to supporting people in all aspects of their lives.


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In Believe in Banking’s first podcast of the new year, Sean and Gina welcome David Trautman, chairman and CEO of Park National Bank. Their rich conversation covers Park’s unique origin story and how the bank’s efforts at unifying under one umbrella yielded some significant advantages for their growing brand as they expanded into new communities. Building consensus to shift how the bank was doing business – moving from a more autonomous model to a more unified one – was a fundamental change, but what it didn’t alter was the heart of service at the core of the brand. In part one of their discussion, David addresses how Park captured and unified the bank's independent spirit and how they continue to foster that beating heart of service as they help people and their communities.


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In our final year-end special episode, we revisit topics that defined the year. Sean and Gina discuss the rise of Purpose Driven Banking in 2021 and how it sets a new standard for the industry moving forward. A term coined by Accenture, this approach to banking helps financial institutions mean more to their customers and members, truly living up to their essential role in people's lives. Simultaneously, banks and credit unions that embrace a deeper sense of purpose find fresh opportunities and expanding influence. Tied to a renewed sense of purpose is community-building in community banking and new ways of thinking about serving – because community represents more than just geography. Finally, our hosts provide a preview of our first episode in 2022, featuring a community banking leader who will kick off the New Year in style.


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In this special episode, we take a look back at the trends and topics that defined 2021. Sean and Gina discuss how banking provided short-term solutions to challenges and what opportunities opened up because of the pandemic that will endure. They spoke specifically about banking's balance of technology and human consultation, and the staff that it takes to be at the right place at the right time for customers and members. With clear eyes, the two hosts all but predicted the increasing deployment of hybrid solutions like ITMs and smaller format branches that are transforming the consumer banking experience post-pandemic.


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In this episode, Sean and Gina discuss what’s on the minds of banking and credit union leaders as they face the headwinds that are still present after a year and a half of pandemic life. With the need for profitability and fintech nipping at community banking’s heels, how to continue to serve customers and meet expectations often means new partnerships. Whether it’s a fintech collaboration like the one that delivered Chime to the marketplace or a financial wellness pairing, like Regina King and Wells Fargo teaming up to help serve the underbanked, when banks and credit unions look at new and novel ways to meet the people at the point of need, banking builds on the trusting relationship financial institutions have with their customers and communities.


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In this episode, Sean and Gina discuss some of the challenges facing banking in our post-pandemic future. Most notably is staffing as banks and credit unions meets consumer demand for efficient transactions via updated digital options while still having branches close by for those more complex and consultative banking needs. Attracting higher-skilled bankers requires a real investment for banks and a commitment to move beyond traditional teller-based banking models. Banking’s growth mandate means banks must balance ways to grow in new markets and be more efficient in more legacy markets, providing a blend of tools and advice consumers need to spend and save better.


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In Part 4 of our special summer series revisiting our discussions with banking leaders, we’re spotlighting more community-first approaches from Jimmy Stead, Chief Consumer Banking Officer at Frost Bank, a super-regional bank based in Texas, and Todd Nagel, President and CEO of IncredibleBank, one of the country’s first national online community banks. These two leaders describe how their culture and core values are ingrained in every aspect of their business and how their commitment to their customer and community is a natural outgrowth of empowering employees to live the brand every day.


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In this episode, Sean and Gina discuss optimism and opportunities for banking as we move into a post-pandemic recovery. From the rise of small business driving demand for commercial loans to population shifts away from urban cores, how financial institutions respond to changing consumer lifestyles and needs-states depends largely on their understanding of these new realities. Increasingly critical to post-pandemic banking is the smart utilization of data. In particular, leveraging people mobility data empowers banks and credit unions to make better decisions about growth, going where the people are, and the people are increasingly found in the suburbs and exurbs.


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In Part 3 of our special summer series where we revisit our discussions with banking leaders, we’re spotlighting the community-first commitment of community banking. In this episode, we talk with Brad Tidwell, President and CEO of VeraBank and Ryan Kilpatrick, Executive Vice President and Chief Brand and Communications Officer from Origin Bank about the heart of service at the core of their community financial institutions. Both leaders discuss building opportunity out of that core purpose and how serving their communities through challenges like COVID, creates even more connection and growth.


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In this episode, Sean and Gina discuss purpose-driven banking and the intersection of consumer need and banking opportunity. The economic impacts of the pandemic and its aftermath have spotlighted the critical role that banking – and more broadly, financial services – plays in people’s everyday lives. Banking is a service that everyone needs, and now with an industry at a tipping point of disruption spurred on by consumer expectation and demand, traditional financial institutions are embracing new ways of doing business that are moving the industry and people’s lives forward. With consultation at their core and products that answer consumer need like PNC’s low cash mode, Fifth Third’s early pay and TD Bank’s essential checking for the underbanked, banks expanding the ways they serve with the power of purpose.


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In our special summer series, we’re revisiting some of our illuminating discussions with banking leaders featured on the Believe in Banking podcast. In this episode we’re talking technology with Jimmy Stead, Chief Consumer Banking Officer at Frost Bank; Luvleen Sidhu, Founder and CEO of BM Technologies; and Todd Nagel, President and CEO of IncredibleBank. These leaders talk about their individual approaches to banking technology focused on simplifying and streamlining transactions, but more importantly on making people’s lives better. Whether financial institutions build it from the ground up or partner with another company, having a digital and mobile strategy in banking is now a must for all banks and credit unions – even if they don’t have the big budgets of the big banks.


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In our special summer series, we’re revisiting some of our most popular episodes and rounding up some of the best thinking from banking leaders featured on the Believe in Banking podcast. In this special summer episode we’re highlighting insights from: Ryan Kilpatrick, executive vice president and chief brand and communication officer from Origin Bank; Brad Tidwell, president and CEO of VeraBank; and Jimmy Stead, chief consumer banking officer at Frost Bank. In these enlightening conversations, these leaders talk about the year of change that COVID brought to banking and how the pandemic accelerated the way customers bank. They discuss how their institutions managed through change and helped people understand what’s happening and what’s coming. Finally, with purpose at their core, these bankers demonstrate how banking can be a force for good.


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In this special episode, Sean and Gina welcome Todd Nagel, President and CEO of IncredibleBank, the country’s first national online community bank. With bank branches in Wisconsin and Michigan, an expansion plan for new locations in key markets and a digital-first approach, IncredibleBank’s growth path is reaping rewards for this signature financial services brand. Not satisfied with the status quo in banking, IncredibleBank boasts a unique marriage of trademark customer service and award-winning innovation. With a passion for people – employees and customers alike – Nagel believes that banking should be at the center of every community with bankers leading by example through philanthropy, local business development, community-building and creating conditions that foster a robust economy.


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In this episode, Sean and Gina discuss community building in banking. As one out of ten people consider switching primary financial institution and 25% of businesses expecting to switch their banking relationship this year, there are new opportunities for community banks and credit unions to start new relationships. Expanding on traditional definitions and assumptions, community building goes beyond the boundaries of geographic location to create new relationships around a common set of interests and values. Sharing relevant examples, Sean and Gina recommend community institutions leverage the power of affinity, life stage, values, expertise, and local commitment to deepen connections with customers.


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In this special episode, Sean and Gina welcome back Luvleen Sidhu, Founder and CEO of BM Technologies, one of the largest digital banking platforms in the U.S. Luvleen talks about strategies for community institutions to accelerate their digital offering and acquire and serve diverse customers. She discusses growing BankMobile's banking-as-a-service (BaaS) model and how partnerships and commitment are empowering banks and credit unions to scale their organizations and get more retail banking customers. Sean and Gina ask Luvleen being a woman in the male-dominated banking industry and serving underserved and underbanked communities.


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In this special episode, Sean and Gina welcome Luvleen Sidhu, Founder and CEO of BM Technologies, one of the largest digital banking platforms in the U.S. Luvleen talks about digital first banking and how BankMobile was founded with the premise that banking could be substantially better for consumers, especially regarding affordability and consumer-friendly products that are delivered to not only solve consumer pain points but also address inefficiencies in banking at the same time. Sean and Gina ask Luvleen about accelerating digital banking strategies for community banks and credit unions to enhance their technology quotient and partnerships with banking-as-a-service (BaaS) providers to extend their reach.


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In this episode, Sean and Gina discuss the intersection of trust and technology. The acceleration of consumer use of digital through COVID has made commoditization and lack of trust dual risks for financial institutions. But new data shows that business overall has become the primary trusted institution for consumers in the pandemic era, providing a real opportunity for banks and credit unions to build on a trusting relationship. They address practical solutions where the value of community institutions in real trust-building can be balanced with just enough technological sophistication for servicing customer needs conveniently and efficiently.


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In this episode, Sean and Gina discuss the current state of the banking industry and the rise in global merger and acquisition activity in 2020, despite more sluggish deal-making domestically. Through 2021 as M&A picks up in the U.S., they expect that more strategic partnerships and joint ventures to solve for particular operational painpoints. They also address new data that sheds light on consumer financial planning post-COVID that presents banking with opportunity, including the one-third to half of consumers who are opening new accounts in 2021 and the number of people visiting the branch for in-person consultation.


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In this episode, Sean and Gina discuss post-COVID consumer trends and how banks are successfully balancing digital engagement with physical delivery. As consumers increase their online and mobile usage, banks are investing in those experiences. And while digital may have been banking’s roadmap pre-COVID, it has even more urgency now. As the industry shifts to meet these demands, the role of the branch remains critical for acquisition and growth, so banks must look at formats and optimization as they move toward a more ideal omnichannel state.


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In this episode, Sean and Gina kick off 2021 with a look at what we can learn last year's challenges and apply that resilient thinking to 2021, especially the flight to purpose and how people can experience the things you say you stand for. They take on questions posed in December after their presentation at the industry's leading branch banking conference Future Branches and give insights into what banking leaders are facing head-on, including balancing experience and efficiency, deploying the right technology and rightsizing formats in the branch network.


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In this year-end special episode, Sean and Gina recap a most unusual year and look back on some of the meaningful conversations, industry insights and stories of resilience shared on the podcast. Whether it’s commitment to community through PPP or the rise of banking for good, we’ve covered the many ways that the financial services sector is rising to the challenge of our current moment, and beyond. We also highlight conversations with special our guests Ryan Kilpatrick from Origin Bank, Brad Tidwell from VeraBank and Jimmy Stead from Frost Bank who shared their thoughts on how to focus on relationship banking, meet customer needs for technology and compete by leveraging the power of the branch network.


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Believe in Bloopers. As a holiday gift to our audience, we're giving you a peek behind the curtain of producing a podcast. In this special episode, you'll hear bumbles, bobbles and yes, even a choice curse word or two. Trust us when we say: It's not all done in one take. In fact it rarely is!


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In this special episode, Sean and Gina welcome Jimmy Stead, Chief Consumer Banking Officer at Frost Bank, a $40 billion Texas-based bank that is focused squarely on the customer’s experience. Jimmy talks about decisions the bank has made to keep people at the center of their growing organization, like banishing phone trees and providing 24/7 customer service, allowing people to connect directly with bankers. He also addresses the bank’s relationship strategy saying that they’re at their best when people are engaged in their communities and how the branch serves as a focal point of that commitment.


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In this episode, Sean and Gina discuss how COVID has served as low tide, exposing whether a bank's fundamental elements – like the brand and branch network – are up to the challenge. They take a listener question about how he can help his community bank and discuss banking's oppenness to change in this moment. Sharing success stories, they discuss banks leveraging their spheres of influence and remaining focused on customer-centric experiences, even as the industry prioritizes efficiency.


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In an upcoming special guest episode, Sean and Gina welcome Jimmy Stead, Chief Consumer Banking Officer at Frost Bank, to discuss Frost's unique story of service in Texas communities. In this preview, Jimmy talks about the bank's organic growth strategy. He says, "We're really at our best when we have people who are in communities, they're engaged in communities, they're making a difference in communities, and for us, the branch serves as a focal point."

Tune in next week when Sean and Gina return to reflect on examples of best banking practices brought by our special guests and data and trends that are driving the industry forward.


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In part two of the special guest episode, Sean and Gina welcome back Brad Tidwell, president and CEO of VeraBank, a community bank in Texas. Brad discusses some of the challenges for community banking, including the continuing economic impact of COVID and how banking can communicate what's happening and what's coming. He also discusses how VeraBank supported small businesses in their community with PPP lending, as well as what it takes to compete with the big banks with resourcefulness and humility.

This is Part 2 of our conversation.


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In our next special guest episode, Sean and Gina welcome Brad Tidwell, president and CEO of VeraBank, a true community bank. Bringing a wealth of banking knowledge to the conversation, Brad talks about working as an executive with Chase (and Jamie Dimon) and what he learned about banking relationships and growth through his experiences. Those key lessons and learnings he was able to activate for community banking upon returning to home to East Texas. Today, the bank maintains its growth by embracing their distinctive brand and continuing commitment to the communities they serve.

This is Part 1 of our conversation.


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COVID is the great catalyst, ushering in change that may have been on the horizon for banking, but it’s now speeding things up. One particular shift we’re seeing is the industrywide recognition and financial institutions embracing their role in society to do good and give back. Banking for good is better for all; finding real ways to help the customer is better for the banks and for the customer. Even if it means some short-term losses, it turns into long-term gains for banks and credit unions.


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Whether you’re a community bank, a regional bank, a credit union or a national bank, being embedded in the neighborhood and connected to the people you're serving represents your opportunity, now and in the future. Even through challenging times, banking has found its way with a customer-centric, purpose driven approach, especially in the consumer lending space. And it's bearing fruit, as evidenced by the latest FDIC report showing community banks are experiencing modest growth while the rest of the banking industry is sharply contracting.


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Following up on our guest episode, we recap some of the foundations of relationship banking brought to life during COVID and provide a powerful definition of brand for our times. Understanding your purpose and crafting everything – from your people to your products – to meet that purpose and communicating that to all of the constituencies you serve – from leadership to employees, customers to communities – is critical, now more than ever.


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In this special episode, Sean and Gina welcome back Ryan Kilpatrick, Executive Vice President and Chief Brand and Communications Officer for Origin Bank to discuss his ideas on forming relationships with customers and understanding how they want to bank. Specifically, he addresses meeting the moment during COVID and why he believes that banking can help transform people's lives.


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In this episode, Sean and Gina welcome a special guest to Believe in Banking. Ryan Kilpatrick, Executive Vice President and Chief Brand and Communications Officer for Origin Bank, joins the conversation to give real world insights about relationship banking in the modern era. He talks about how building community through the bank’s people is central to Origin’s story of fostering deeper, more consultative relationships with their customers.


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In this episode, Sean and Gina discuss the power of the brand to financial institutions in stepping up during challenging times. Beyond the storefront, exterior signage and name and logo, what is your brand saying? Banks and credit unions are finding that tapping into their underlying purpose is helping them communicate their brand’s real value to their communities.


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In this episode, Sean and Gina talk about the inherent assets community institutions have that can be leveraged, specifically the local branch network. They discuss how banks need to be both defensive and offensive in developing and deploying their branch strategies and recognize that COVID is a catalyst for change. This podcast is hosted by ZenCast.fm

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In this episode, Sean and Gina discuss the waves of challenge and change facing banking – from a financial crisis that started as a health crisis exacerbated by social unrest – and how you can meet the moment by fortifying your branches through efficiency and customer relationships married to a strong differentiated brand that lives its values out loud. This podcast is hosted by ZenCast.fm

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In this episode, Sean and Gina discuss how using an empathy-led approach is key to living in this moment with your customers and planning for a safe reopening strategy.

Links mentioned in this episode:

  • http://example.com
  • http://second-example.com

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In this episode, Sean and Gina discuss the current state of banking in the wake of the Covid-19 crisis. They cover how financial institutions are responding to this moment and how they are helping their customers.


This podcast is hosted by ZenCast.fm