In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales &amp; Marketing at Tyfone, welcomed Crissi Cole, Founder and CEO at Penny Finance Inc. The episode centered around the real barriers to financial health and the need for more personal, judgment-free financial guidance.Crissi argued that traditional budgeting tools and advice often fall short because they ignore each person’s unique goals and circumstances. She explained that most people struggle with money not because they lack discipline, but because the “trade secrets” of wealth management rarely reach them. Crissi shared how many financial lessons remain locked behind closed doors, and how shame and confusion keep people from seeking help. She emphasized that building wealth is less about rigid rules and more about aligning daily choices with personal goals, especially as those goals shift through life.Josh and Crissi explored the role of community financial institutions in closing this knowledge gap. They discussed how credit unions and community banks can offer better support by focusing on education, digital access, and understanding members’ true objectives—rather than pushing one-size-fits-all budgets. The episode made a clear case for rethinking how banks help people build real financial security.

<description>&lt;p&gt;In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales &amp;amp; Marketing at Tyfone, welcomed Crissi Cole, Founder and CEO at Penny Finance Inc. The episode centered around the real barriers to financial health and the need for more personal, judgment-free financial guidance.&lt;/p&gt;&lt;p&gt;Crissi argued that traditional budgeting tools and advice often fall short because they ignore each person’s unique goals and circumstances. She explained that most people struggle with money not because they lack discipline, but because the “trade secrets” of wealth management rarely reach them. Crissi shared how many financial lessons remain locked behind closed doors, and how shame and confusion keep people from seeking help. She emphasized that building wealth is less about rigid rules and more about aligning daily choices with personal goals, especially as those goals shift through life.&lt;/p&gt;&lt;p&gt;Josh and Crissi explored the role of community financial institutions in closing this knowledge gap. They discussed how credit unions and community banks can offer better support by focusing on education, digital access, and understanding members’ true objectives—rather than pushing one-size-fits-all budgets. The episode made a clear case for rethinking how banks help people build real financial security.&lt;/p&gt;</description>

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales &amp; Marketing at Tyfone, welcomed Crissi Cole, Founder and CEO at Penny Finance Inc. The episode centered around the real barriers to financial health and the need for more personal, judgment-free financial guidance. Crissi argued that traditional budgeting tools and advice often fall short because they ignore each person’s unique goals and circumstances. She explained that most people struggle with m...

Breaking the Wealth Rules: Crissi Cole on Ditching Budgets and Building Real Financial Freedom

In the latest episode of Digital Banking Podcast, host Josh DeTar, EVP - Evangelism at Tyfone, welcomed Vit Shtyrkin, Chief Product Officer at B2BinPay. The episode centered around how fast-changing technology is reshaping digital banking, with a focus on the practical impacts of artificial intelligence and crypto tools on product development and team workflows.Vit discussed how his team approached AI not as a shortcut, but as a tool for survival and growth. He shared real examples of how AI helped B2BinPay analyze competitors, speed up prototyping, and reduce routine work, while stressing the importance of human expertise to guide, validate, and shape technology’s output. Vit and Josh explored why simply having AI isn’t enough—teams need to combine smart tools with critical thinking and ongoing learning to stay ahead.The conversation also touched on the rising pace of disruption, the need to balance speed with quality, and why no business—banking included—is safe from rapid change. Vit closed by highlighting the real human goals behind innovation: creating products that work for people, freeing up time, and making room for life beyond work.

<description>&lt;p&gt;In the latest episode of Digital Banking Podcast, host Josh DeTar, EVP - Evangelism at Tyfone, welcomed Vit Shtyrkin, Chief Product Officer at B2BinPay. The episode centered around how fast-changing technology is reshaping digital banking, with a focus on the practical impacts of artificial intelligence and crypto tools on product development and team workflows.&lt;/p&gt;&lt;p&gt;Vit discussed how his team approached AI not as a shortcut, but as a tool for survival and growth. He shared real examples of how AI helped B2BinPay analyze competitors, speed up prototyping, and reduce routine work, while stressing the importance of human expertise to guide, validate, and shape technology’s output. Vit and Josh explored why simply having AI isn’t enough—teams need to combine smart tools with critical thinking and ongoing learning to stay ahead.&lt;/p&gt;&lt;p&gt;The conversation also touched on the rising pace of disruption, the need to balance speed with quality, and why no business—banking included—is safe from rapid change. Vit closed by highlighting the real human goals behind innovation: creating products that work for people, freeing up time, and making room for life beyond work.&lt;/p&gt;</description>

In the latest episode of Digital Banking Podcast, host Josh DeTar, EVP - Evangelism at Tyfone, welcomed Vit Shtyrkin, Chief Product Officer at B2BinPay. The episode centered around how fast-changing technology is reshaping digital banking, with a focus on the practical impacts of artificial intelligence and crypto tools on product development and team workflows. Vit discussed how his team approached AI not as a shortcut, but as a tool for survival and growth. He shared real examples of how AI...

Rapid Change, Real Impact: Vit Shtyrkin on AI and Crypto Tools

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales and Marketing at Tyfone, welcomed Christina Roman, Consumer Education and Advocacy Manager at Experian, and Latreace Wells, Assistant Vice President of Career Planning and Development at Fisk University. The episode centered around how financial education shapes opportunity and why understanding credit early can change lives.Christina and Latreace discussed the challenges people face when learning about credit and personal finance. They shared how misinformation on social media makes it hard for young adults and students to separate fact from fiction. Both guests explained how practical education—like credit monitoring and honest conversations about money—can help people avoid common pitfalls. Christina highlighted the need for trustworthy resources and explained why credit monitoring should be part of everyone’s routine. Latreace described how her programs at Fisk University help students build good habits before they enter the workforce, stressing that it’s never too late to start fresh.The conversation also touched on the complexity of today’s financial landscape. Subscription services, buy now pay later options, and digital wallets add layers to money management that didn’t exist a decade ago. Christina and Latreace encouraged listeners to focus on small, positive steps—like tracking spending and prioritizing trusted advice—to build a stronger financial future.

<description>&lt;p&gt;In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales and Marketing at Tyfone, welcomed Christina Roman, Consumer Education and Advocacy Manager at Experian, and Latreace Wells, Assistant Vice President of Career Planning and Development at Fisk University. The episode centered around how financial education shapes opportunity and why understanding credit early can change lives.&lt;/p&gt;&lt;p&gt;Christina and Latreace discussed the challenges people face when learning about credit and personal finance. They shared how misinformation on social media makes it hard for young adults and students to separate fact from fiction. Both guests explained how practical education—like credit monitoring and honest conversations about money—can help people avoid common pitfalls. Christina highlighted the need for trustworthy resources and explained why credit monitoring should be part of everyone’s routine. Latreace described how her programs at Fisk University help students build good habits before they enter the workforce, stressing that it’s never too late to start fresh.&lt;/p&gt;&lt;p&gt;The conversation also touched on the complexity of today’s financial landscape. Subscription services, buy now pay later options, and digital wallets add layers to money management that didn’t exist a decade ago. Christina and Latreace encouraged listeners to focus on small, positive steps—like tracking spending and prioritizing trusted advice—to build a stronger financial future.&lt;/p&gt;</description>

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales and Marketing at Tyfone, welcomed Christina Roman, Consumer Education and Advocacy Manager at Experian, and Latreace Wells, Assistant Vice President of Career Planning and Development at Fisk University. The episode centered around how financial education shapes opportunity and why understanding credit early can change lives. Christina and Latreace discussed the challenges people face when learning abou...

Credit Scores & the Real Cost of Misinformation, with Christina Roman & Latreace Wells

In the latest episode of the Digital Banking Podcast, host Josh DeTar sat down with Kirk Kordeleski, Partner at PARC Street Group. They explored what it took to build a thriving credit union in today’s environment—one where competition, technology, and member expectations were always changing. Kirk shared why credit unions had to set ambitious goals and maintain a clear vision, even as the industry faced slow growth and increased consolidation.Kirk explained how a strong culture, driven by energy, learning, and accountability, created real momentum. He argued that success came from setting bold targets, communicating a shared purpose, and operating with both efficiency and heart. Kirk also tackled the tough questions around executive compensation, mergers, and the unique challenges that came with leading not-for-profit financial institutions. He believed intellectual honesty and performance-based rewards were key to attracting and keeping the right talent.Throughout the conversation, Kirk returned to the value of positive leadership and the importance of doing the hard work. He encouraged leaders to build teams that were proud of their mission and unafraid of change. For Kirk, when credit unions got these elements right, they achieved more than growth—they delivered meaningful results for their members and their communities.

<description>&lt;p&gt;In the latest episode of the Digital Banking Podcast, host Josh DeTar sat down with Kirk Kordeleski, Partner at PARC Street Group. They explored what it took to build a thriving credit union in today’s environment—one where competition, technology, and member expectations were always changing. Kirk shared why credit unions had to set ambitious goals and maintain a clear vision, even as the industry faced slow growth and increased consolidation.&lt;/p&gt;&lt;p&gt;Kirk explained how a strong culture, driven by energy, learning, and accountability, created real momentum. He argued that success came from setting bold targets, communicating a shared purpose, and operating with both efficiency and heart. Kirk also tackled the tough questions around executive compensation, mergers, and the unique challenges that came with leading not-for-profit financial institutions. He believed intellectual honesty and performance-based rewards were key to attracting and keeping the right talent.&lt;/p&gt;&lt;p&gt;Throughout the conversation, Kirk returned to the value of positive leadership and the importance of doing the hard work. He encouraged leaders to build teams that were proud of their mission and unafraid of change. For Kirk, when credit unions got these elements right, they achieved more than growth—they delivered meaningful results for their members and their communities. &lt;/p&gt;</description>

In the latest episode of the Digital Banking Podcast, host Josh DeTar sat down with Kirk Kordeleski, Partner at PARC Street Group. They explored what it took to build a thriving credit union in today’s environment—one where competition, technology, and member expectations were always changing. Kirk shared why credit unions had to set ambitious goals and maintain a clear vision, even as the industry faced slow growth and increased consolidation. Kirk explained how a strong culture, driven by e...

Building Winning Cultures and Driving Growth in Credit Unions with Kirk Kordeleski 

In the latest episode of The Digital Banking Podcast, host Josh DeTar sat down with Katie DeFeo, VP and Chief Experience Officer at SunWest Credit Union. They explored how credit unions could stand out in a crowded digital landscape by leading with authenticity and human connection, even as banking became more commoditized and tech-driven.DeFeo explained why building a genuine, approachable brand mattered more than ever. She shared how SunWest focused on delivering experiences that felt personal—whether in a branch or through a mobile app. For DeFeo, it was not enough to match rates or adopt the latest technology. Instead, she encouraged credit unions to communicate in plain language, share real stories, and empower staff to help members in memorable ways.The conversation highlighted the challenge of scaling digital transformation without losing soul. DeFeo described SunWest’s approach to blending technology with bold, human storytelling, and why being willing to disrupt old habits was key to staying relevant.

<description>&lt;p&gt;In the latest episode of The Digital Banking Podcast, host Josh DeTar sat down with Katie DeFeo, VP and Chief Experience Officer at SunWest Credit Union. They explored how credit unions could stand out in a crowded digital landscape by leading with authenticity and human connection, even as banking became more commoditized and tech-driven.&lt;/p&gt;&lt;p&gt;DeFeo explained why building a genuine, approachable brand mattered more than ever. She shared how SunWest focused on delivering experiences that felt personal—whether in a branch or through a mobile app. For DeFeo, it was not enough to match rates or adopt the latest technology. Instead, she encouraged credit unions to communicate in plain language, share real stories, and empower staff to help members in memorable ways.&lt;/p&gt;&lt;p&gt;The conversation highlighted the challenge of scaling digital transformation without losing soul. DeFeo described SunWest’s approach to blending technology with bold, human storytelling, and why being willing to disrupt old habits was key to staying relevant.&lt;/p&gt;</description>

In the latest episode of The Digital Banking Podcast, host Josh DeTar sat down with Katie DeFeo, VP and Chief Experience Officer at SunWest Credit Union. They explored how credit unions could stand out in a crowded digital landscape by leading with authenticity and human connection, even as banking became more commoditized and tech-driven. DeFeo explained why building a genuine, approachable brand mattered more than ever. She shared how SunWest focused on delivering experiences that felt pers...

Scaling digitally without losing your soul, with Katie DeFeo.

<div>The Digital Banking Podcast is powered by Tyfone. Tyfone is a dramastically better digital banking provider. Our appeal is unique, we collaborate closely with our customers and the banking ecosystem in an open approach coupled with a powerful user experience that helps “get things done”! On our podcast you will hear how digital banking plays a leading role for community minded financial institutions from the unique perspectives of our industry expert guests.</div>

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