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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

AI in Banking

4 min read

AI-Native Banking Isn't Coming in 2026. It's Already Here.

Financial institutions keep talking about "adding AI" to their operations. Installing chatbots. Deploying fraud detection models. Automating back-office processes. These are valuable improvements, but they're not AI-native banking. That's...

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Small Business Banking

2 min read

When Industry Bias Blocks Digital Progress: Rethinking Small Business Banking

When I’m helping Engage fi clients develop their digital strategies, the first question I ask is simple:

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Embedded Lending

1 min read

Walmart and Lendistry Partner to Offer Small Businesses a Lending Option

Key Takeaways From This Blog: Walmart’s partnership with Lendistry brings lending directly into the seller workflow, showing how credit delivery is...

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Universal Banker

2 min read

The Digital Universal Banker, Now with Instant Rails

Key Takeaways From This Blog: The Universal Banker is evolving into a digital, real-time advisor powered by AI, instant payment rails, and proactive...

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Crypto Currency

2 min read

Mastercard’s Acquisition of Zerohash: The Crypto Strategies Behind Mastercard and Visa

Key Takeaways From This Blog: Mastercard is pursuing full-stack ownership of crypto infrastructure through its planned Zerohash acquisition, giving...

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AI Agent Admin

3 min read

AI Isn’t One and Done: Banks Need an Agent Admin Before They Need Another Model

Key Takeaways From This Blog: AI isn’t static software, it learns, drifts, and changes over time. Treating it like a plug-and-play tool is a mistake....

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Interchange Fee

2 min read

What the Visa–Mastercard Interchange Fee Settlement Means for the Future of Payments

Key Takeaways From This Blog: Visa and Mastercard’s agreement ends a decades-long antitrust dispute and introduces structural reforms that lower...

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Community Bank Vs Large Bank

4 min read

Why Community Banks Must Win on Efficiency Now by Becoming Truly Nimble

Key Takeaways From This Blog: The Huntington Bancshares acquisition of Cadence Bank, creating a $258B-asset institution, highlights a powerful trend:...

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mergers

3 min read

Mergers & Acquisitions: Aligning People, Technology, and Purpose

This insightful discussion comes from a Leaders Give Back podcast episode with Executive Affiliate, Gene Pelham, former CEO of Rogue Credit Union.

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