This episode's guest is Dara Tarkowski, Principal at Much Shelist and Chair of the firm's Tech Innovation, Data & Financial Regulation practice. Dara has practiced law for nearly 20 years as a litigator and regulatory advisor. She works with banks, fintechs and data-driven companies where law, technology and highly regulated industries meet. American Banker named her one of the "Most Influential Women in Fintech." She is also on the faculty of the Graduate School of Banking's Digital Banking Executive Program.

Top 5 Takeaways:

1. The AI guidance gap: In April 2026, the Fed, OCC and FDIC replaced the long-standing SR 11-7 model risk guidance. The new guidance explicitly excludes generative and agentic AI, which is where banks most need direction. Until that changes, regulators fall back on a UDAP lens (unfair, deceptive or abusive practices), and FINRA's 2026 report offers the clearest framework for AI agents.
2. Waiting on Washington: The EU has a comprehensive AI Act, and the U.S. has executive orders. States like Colorado are trying to fill the gap with rules that focus mostly on consumer protection and disclosure.
3. The laws you already follow still apply: Fair lending and ECOA require banks to explain credit decisions no matter how those decisions are made. That legal requirement is what really drives explainability and "human in the loop," not any AI-specific rule.
4. Stop token maxing: Using AI everywhere isn't a strategy. Treat AI spend like hiring a new employee: define the value, benchmark it, and reassess at every contract renewal and model change.
5. Prepare for examiners: Document your AI wins, and also the pilots you shut down. Bring someone to your exam who can explain your AI in plain language. Make sure each use case fits your mission and values, including the concerns of a younger generation that is skeptical of AI.

References:

• Dara Tarkowski on LinkedIn
• Dara Tarkowski, Much Shelist
• Revised Interagency Model Risk Management Guidance (SR 26-2), April 17, 2026
• FINRA 2026 Regulatory Oversight Report: GenAI and AI Agents
• EU Artificial Intelligence Act (Regulation 2024/1689)
• Colorado Repeals and Replaces Its AI Act (SB 26-189)
• GSB Digital Banking Executive Program

Copyright (c) 2026 Artificial Intelligence Risk, Inc.

This episode's guest is JP Nichols of Alloy Labs, a self-described "recovering banker" who spent 20 years growing a bank before shifting to the intersection of innovation, strategy, and leadership. JP leads the Alloy Labs Institute, the research, insights, and advisory arm of Alloy Labs, which also runs a bank consortium and a fintech venture fund. He is a frequent speaker and educator on fintech and banking strategy, including at the Graduate School of Banking's Digital Banking Executive Program (exact title/role to confirm).

Top 5 Takeaways:

1. Reframe the ROI conversation: focus on lowering the investment and the cost of being wrong through fast, cheap experiments, rather than inflating the projected return.
2. Watch the three 2026 signals: programmable money/stablecoins, agentic AI, and embedded finance — decide for each whether your bank is playing offense or defense.
3. Prioritize with "extend, bend, transcend": allocate limited resources between defending the current business, adjacent moves, and fundamentally different future options.
4. Fix the product management gap: banks are strong at project management but weak at product management; applying Clayton Christensen's Jobs to Be Done theory helps close it.
5. Specialize to compete: community banks win today by serving a specific type of customer well rather than trying to be all things to all people.

Links / resources mentioned:

• Alloy Labs — the alliance, venture fund, and the Alloy Labs Institute
• Alloy Labs' Executive Briefings, including "Strategic Planning for This Moment"
• Digital Banking Executive Program, Graduate School of Banking (Madison) — formerly the Digital Banking School
• Jobs to Be Done theory, Christensen Institute
• Toast and Shopify, cited as examples of embedded finance

Wendell Bontrager, CEO and co-founder of Sonata Bank, joins us to discuss what it takes to build a community bank for the future. We explore Sonata’s unique franchise-banking strategy, its growing use of AI and automation, and why Wendell believes innovation has to be paired with strong risk management. He also shares how community banks can use technology, partnerships, and specialization to compete in an increasingly frictionless financial world.

• Building an AI Culture: Wendell describes Sonata’s approach to AI as a cultural transformation rather than simply a technology rollout. The bank is experimenting with enterprise AI, internal LLMs, agentic AI, and workflow automation while building organizational knowledge along the way.
• Innovation With Guardrails: AI adoption needs to move alongside security, governance, and risk management. Wendell emphasizes CEO ownership, employee education, controlled experimentation, and safeguards around sensitive customer information before AI is broadly deployed.
• Finding a Niche to Compete: Rather than trying to compete with every bank on traditional products, Sonata has developed deep expertise serving franchise businesses, particularly multi-unit operators. That specialization allows a small community bank to build relationships and compete far beyond its Nashville market.
• Partnering With Fintechs: Wendell sees fintechs as potential partners rather than simply competitors. Through sponsor banking and other partnerships, Sonata aims to become the banking infrastructure behind innovative financial products while expanding the markets it can serve.
• The Community Bank of the Future: Wendell expects banking to become far more automated, AI-driven, specialized, and frictionless over the next three to five years. His advice to community banks is to identify a lane where they can excel and use technology and relationships to create new opportunities.

www.verapath.com

www.poweredbywsi.com

Copyright (c) 2026 Artificial Intelligence Risk, Inc. All rights reserved.

Marlene Duhart, Chief Information Security Officer at Southern Bancorp (soon to become Uplift Bank), joined Future Tech Banker to discuss how community banks can responsibly embrace AI while staying true to their mission. Drawing on experience at Oracle, Visa, Zions Bank, Silicon Valley Bank, and now Southern Bancorp, she explains how AI is transforming banking—not just as a technology initiative, but as a cultural shift that empowers employees, improves decision-making, and strengthens customer service. The conversation explores AI governance, core banking conversions, productivity gains, data democratization, cybersecurity, and how mission-driven financial institutions can use innovation to better serve underserved communities.

Top 5 themes from the episode

1. AI is a cultural transformation, not just a technology project. Successful adoption requires leadership support, employee training, AI champions across the organization, and governance that encourages responsible experimentation rather than fear.
2. Banking has always been a data business, and AI unlocks that data. Conversational AI enables employees across departments to access insights without needing technical expertise, allowing better questions, faster analysis, and more informed decisions.
3. AI delivers measurable operational efficiency. From comparing corporate policies during a bank merger to accelerating core conversion tasks and automating routine work, AI significantly reduces manual effort while improving consistency and accuracy.
4. Mission-driven banks can use AI to expand financial inclusion. AI supports multilingual services, financial education, and improved customer engagement, helping community development financial institutions (CDFIs) better serve underserved individuals and small businesses.
5. Strong governance and trusted partnerships are essential. Banks should establish AI policies, measure return on investment, implement appropriate security controls, and work with partners who understand both AI technology and the unique regulatory and operational needs of banking.

Links

Uplift Bank — https://uplift.bank

Graduate School of Banking — https://www.gsb.org

.register.bank — https://www.register.bank

U.S. Treasury Community Development Financial Institutions (CDFI) Fund — https://www.cdfifund.gov

This episode of Future Tech Banker features DJ Seeterlin, Chief Innovation & Strategy Officer at Chesapeake Bank, in a practical discussion about how community banks can successfully adopt AI without losing their human-centered culture. Rather than treating AI as a cost-cutting tool, Seeterlin explains how Chesapeake is using it to amplify employees, improve customer service, strengthen payments, and drive growth. The conversation also explores AI governance, innovation leadership, payment modernization, and why curiosity—not technology—is the key differentiator for community banks.

Top 5 Takeaways

• AI should amplify employees, not replace them. Chesapeake Bank's strategy is built around using AI to make employees more effective, giving them better information and more time to serve customers rather than reducing headcount.
• Innovation begins with leadership and culture—not technology. Before deploying AI tools, Chesapeake trained its executive team, created AI champions across the organization, and established a culture where experimentation and learning are encouraged. Successful AI adoption is as much about people as software.
• Governance should enable innovation, not block it. Seeterlin argues that risk and compliance teams should ask, "How can we do this safely?" instead of simply saying no. Banks that balance governance with growth will move faster and achieve better outcomes.
• Payments are ripe for AI-driven modernization. Rather than focusing on making transactions faster, Chesapeake uses AI to improve risk management, underwriting, customer insight, and business payment workflows. The bank is also helping businesses move away from paper checks toward integrated digital payment experiences.
• Curiosity is the most valuable AI skill. Whether you're an intern or a CEO, the best way to begin with AI is to experiment, share what you learn, and keep asking questions. Organizations build momentum when employees openly discuss how AI helps them solve real business problems.

References

• Alloy Labs Alliance — https://alloylabs.com
• Rebolt Financial Technologies — https://reboltft.com
• Identifee — https://identifee.com
• Marketing AI Institute (MAICON) — https://www.marketingaiinstitute.com
• Jack Henry — https://www.jackhenry.com

In this episode, Mike Kaput, Chief Content Officer at SmarterX and the Marketing AI Institute, joins Future Tech Banker to discuss why AI is no longer just another technology trend but a fundamental shift in how banks will operate and compete. The conversation explores practical strategies for bank leaders to begin their AI journey, how to measure ROI, why change management matters more than technology, and why the rise of AI agents will redefine the future workforce. Throughout the discussion, Mike emphasizes that the banks that start learning today—even through small experiments—will be best positioned to thrive as AI transforms every aspect of financial services.

Top 5 Takeaways

• AI won't replace bankers—but bankers who use AI will replace those who don't. Bank leaders should encourage every employee to develop AI skills now because AI literacy is quickly becoming as important as digital literacy.
• Leadership and culture—not technology—determine AI success. Buying Copilot or another AI platform is only the first step; executive sponsorship, employee training, and organizational buy-in ultimately determine whether AI delivers meaningful business value.
• Start small and prove ROI before scaling. Banks should focus on specific use cases like loan documentation, compliance, marketing, or customer communications where time savings and productivity gains can be measured and expanded over time.
• AI agents will become digital coworkers throughout the bank. Rather than simply answering questions, AI agents will increasingly perform work autonomously, requiring managers to supervise teams of both human employees and AI assistants.
• Don't wait for perfect governance or perfect technology. The banks gaining a competitive advantage are already experimenting with AI in low-risk areas, building institutional knowledge that will compound as the technology rapidly advances.

Here are five useful resources mentioned during the episode for bankers who want to learn more about AI:

• SmarterX – AI transformation consulting, executive education, and enterprise AI adoption: https://www.smarterx.ai
• Marketing AI Institute – AI research, articles, courses, and the annual MAICON conference: https://www.marketingaiinstitute.com
• MAICON (Marketing AI Conference) – One of the leading AI conferences for business leaders and marketers: https://www.maicon.ai

Copyright (c) 2026 by Artificial Intelligence Risk, Inc., DBA Verapath

Bill Fink, Executive Vice President and Head of Commercial Banking at Provident Bank, shares a pragmatic banker's perspective on the economy, artificial intelligence, and the future of relationship banking. Drawing on more than 25 years of experience in commercial banking, Bill explains why disciplined strategy, thoughtful AI adoption, and strong customer relationships will separate winning banks from the rest. The conversation explores economic uncertainty, interest rates, AI governance, enterprise AI use cases, and why the most successful bankers will use AI to become more productive—not less personal.

Top 5 Takeaways

• Bankers who embrace AI will outperform those who don't. AI won't replace relationship bankers—it will make them more valuable by automating administrative work so they can spend more time advising clients, building trust, and growing relationships.
• Enterprise AI will deliver the biggest ROI. Beyond productivity tools like Copilot, the greatest value will come from transforming core banking functions such as loan underwriting, covenant monitoring, treasury management, customer service, compliance, and fraud detection.
• AI should follow strategy—not hype. Banks need a clear roadmap with measurable business outcomes before deploying AI, prioritizing high-volume, repetitive processes where automation improves efficiency and reduces operational risk.
• Governance and training are critical for success. Effective AI adoption requires executive oversight, employee education, strong security controls, and clear policies to ensure AI is used safely, responsibly, and effectively.
• Economic uncertainty rewards disciplined execution. Amid volatility in interest rates, inflation, and global markets, banks that stay focused on long-term strategy while investing thoughtfully in technology will be best positioned for growth.

Resources

• Provident Bank – https://www.provident.bank
• Wharton Executive Education – https://executiveeducation.wharton.upenn.edu
• Federal Reserve Economic Data (FRED) – https://fred.stlouisfed.org

In this episode of Future Tech Banker, Alec Crawford and Eric Cook sit down with AI strategist and educator Angie Carel, one of the leading voices helping organizations move beyond AI experimentation into practical business adoption. Angie shares how she uses AI agents to automate hours of work every day, why AI literacy is becoming an essential business skill, and how financial institutions can embrace AI safely while preserving trust. The conversation also explores the growing risks of deepfakes, the importance of governance, and why human relationships will become even more valuable as AI becomes ubiquitous.

Top 5 Takeaways

• AI agents are becoming every employee's digital assistant, automating routine tasks and giving bankers more time to focus on customers, lending, and strategic decisions.
• AI governance and security must be built in from the beginning, with banks using private AI environments and strong controls to protect customer data and reduce operational risk.
• AI literacy is now a competitive advantage, and organizations that encourage employees to experiment with AI today will outperform those waiting for the technology to mature.
• Trust will become a bank's greatest differentiator, as deepfakes and AI-generated fraud make authentic human relationships and verification more important than ever.
• The best way to prepare for enterprise AI is to start using it personally, building confidence and practical skills before deploying AI in regulated banking environments.

Sources

Links & Resources

• Angie Carel (LinkedIn): https://www.linkedin.com/in/angiecarel/
• Anthropic: https://www.anthropic.com
• Lovable: https://lovable.dev
• Google AI Studio: https://aistudio.google.com
• CommunityBanking.ai: https://communitybanking.ai
• WSI: https://www.poweredbywsi.com/
• Verapath: https://www.verapath.com

Copyright (c) 2026 by Artificial Intelligence Risk, Inc DBA Verapath

In this episode of Future Tech Banker, Jack Hubbard (and belatedly Eric Cook) sit down with Chris Nichols, President of Institutional Banking at SouthState Bank, joined by marketing and AI expert Eric Cook, to explore how artificial intelligence is reshaping banking. The conversation moves beyond basic AI use cases and examines what separates banks that will thrive from those that may struggle to survive in the next few years. Chris argues that AI is not simply a productivity tool—it is a strategic imperative that will fundamentally change customer relationships, employee effectiveness, marketing, sales, treasury management, and banking operations. The discussion highlights how leading banks are moving from simple chatbots and copilots toward enterprise-wide AI strategies focused on creating better customer experiences, empowering employees, and freeing bankers to spend more time doing what humans do best: building trust and relationships.

Top 5 Takeaways

1. Your AI strategy should be to become more human.

The winning banks will not use AI to replace human relationships—they will use AI to eliminate administrative work, automate routine tasks, and free bankers to spend more time with customers. As Chris Nichols put it, every bank should be asking: How can we use AI to become more authentically human where it matters most?

2. If your employees are not using AI today, your bank may not be around in three years.

Chris warned that the divide between banks that embrace AI and those that don't will become obvious very quickly. Organizations that prevent employees from experimenting with AI risk falling dramatically behind competitors that are actively training and enabling their teams.

3. The biggest opportunities are beyond the basics.

Many organizations are still focused on meeting summaries, email drafting, and simple productivity gains. The next wave of value comes from AI-powered customer intelligence, treasury management, credit underwriting, onboarding, sales enablement, marketing personalization, fraud detection, and enterprise-wide process redesign.

4. AI creates confidence, not just efficiency.

One of the most overlooked benefits is employee confidence. AI helps bankers prepare for customer conversations, role-play sales scenarios, gather insights, and understand customer needs. Better-informed employees are more confident employees, which leads to better customer outcomes.

5. Banks must balance governance with innovation.

Regulators increasingly expect banks to have documented AI governance, training, policies, and oversight. However, the risk of doing nothing may now be as significant as the risk of adopting AI. Successful institutions will thoughtfully manage AI risk while aggressively pursuing AI-driven opportunities.

• https://www.linkedin.com/in/cknichols/
• https://southstatecorrespondent.com/banking-insights/
• https://southstatecorrespondent.com/podcast/chris-nichols-on-the-future-of-payments/
• https://southstatecorrespondent.com/podcast/the-top-12-winning-strategies-for-community-banks-in-2025-with-chris-nichols-and-ed-kofman/
• https://www.linkedin.com/in/jackrants/
• https://smandh.com/staff/jack-hubbard/
• https://smandh.com/
• https://southstatecorrespondent.com/podcast/helping-your-lenders-succeed-with-jack-hubbard/
• https://www.poweredbywsi.com
• https://www.verapath.com

Copyright (c) 2026 by Artificial Intelligence Risk, Inc.

This episode of Future Tech Banker features two highly experienced banking and technology leaders and co-hosts of the show: Jack Hubbard and Eric Cook. They share pro tips for sales, conferences, and marketing as a bank or an individual at a bank. Jack Hubbard is a veteran banking consultant who has trained more than 80,000 bankers over his career and is widely known for expertise in sales, relationship banking, and leadership development. Eric Cook is a former banker turned digital and AI advisor who works extensively with community banks on digital transformation, AI adoption, marketing, and LinkedIn strategy.

Main Takeaways

• AI adoption in banking is primarily a leadership and cultural challenge rather than a technology problem. Eric Cook compared today’s AI concerns to the early resistance banks had toward social media and digital marketing adoption.
• Conferences create major career and networking opportunities when attendees intentionally prepare beforehand, connect with new people, and avoid isolating themselves with coworkers.
• Emphasize disciplined follow-up after conferences, including sharing learnings internally, engaging attendees on LinkedIn, thanking organizers, and turning conference insights into actionable plans for the bank.
• Community banks should proactively use digital tools like LinkedIn, QR codes, AI transcription tools, and social media content creation to maximize conference value, strengthen thought leadership, and improve follow-up.
• Human interaction and in-person relationships are becoming more valuable in the AI era. Despite rapid advances in AI, the hosts argued that conferences, spontaneous conversations, and personal relationships remain irreplaceable.

Mentioned on the podcast:

Indiana Bankers Mega Conference — https://www.indianabankers.org

WSI — https://www.poweredbywsi.com

Verapath — https://www.verapath.com

Alloy Labs Alliance — https://alloylabs.com

Graduate School of Banking — https://www.gsb.org

Marketing AI Institute — https://www.marketingaiinstitute.com

LinkedIn — https://www.linkedin.com

Plaud Note — https://www.plaud.ai

Social Media Marketing World — https://www.socialmediaexaminer.com/smmworld

MAICON (Marketing AI Conference) — https://www.maicon.ai

JP Nichols — https://www.linkedin.com/in/jpnichols

Alec Crawford — https://www.linkedin.com/in/aleccrawford

Copyright (c) 2026 by Verapath

Cashin White, Director of Growth and Innovation at BOK Financial, joins Jack Hubbard and Alec Crawford for a discussion grounded in practical bank growth, sales enablement, and responsible AI adoption. White brings more than two decades of experience across commercial and middle-market banking, with a background serving organizations ranging from small businesses to billion-dollar energy companies. In the episode, he describes how BOK Financial, now over $50 billion in assets and operating across 11 markets, has pursued organic growth through a focused go-to-market strategy, stronger sales culture, and better technology ROI. He explains how tools such as Salesforce, LinkedIn Sales Navigator, RelPro, Microsoft Copilot, Teams, and OneNote are being used to improve prospecting, pre-call planning, and banker efficiency. The conversation also highlights the importance of executive sponsorship, disciplined adoption, dashboard-driven accountability, and tailored coaching for both newer and more experienced bankers. White emphasizes that AI should help bankers become more prepared, informed, and strategically relevant to clients, while still operating within secure infrastructure and common-sense risk controls. The episode closes with a candid discussion of fraud, deepfakes, and the need for banks to balance innovation with compliance and operational vigilance.

Summary:

• Organic growth strategy: BOK Financial is focused on top-line revenue growth through sales enablement, banker upskilling, and a more disciplined go-to-market approach.
• AI in banker workflow: Microsoft Copilot and related tools are being applied to prospect research, pre-call planning, note capture, and daily productivity.
• Accountability and adoption: White stresses that tools alone are insufficient; dashboards, coaching, executive support, and measurable usage are needed to drive behavior change.
• Culture as a growth lever: The bank is building a culture where sales, innovation, and learning are visible, encouraged, and tied to success stories across markets.
• Risk and fraud awareness: The discussion underscores secure AI deployment, internal governance, and growing concern over fraud and deepfake-enabled attacks.

Referenced in this episode:

Companies:

• BOK Financial
• Verapath
• Saint Meyer & Hubbard
• WSI
• Troutman Street Audio
• Microsoft
• Salesforce
• RelPro
• LinkedIn
• Lord Abbett
• Netflix
• ChatGPT
• Phish
• Denver Art Museum

Regulators / Industry Bodies:

• Harvard Business School
• Stanford University
• University of Puget Sound

Technologies:

• Microsoft Copilot
• Copilot Premium
• Salesforce
• LinkedIn Sales Navigator
• RelPro
• OneNote
• Microsoft Teams
• ChatGPT
• AI agents
• LLMs
• Deepfakes

Copyright © 2026 by Verapath

Jill Castilla joins the episode as the CEO of Citizens Bank of Edmond and a widely recognized leader in community banking innovation. The conversation traces how she helped turn around a bank facing severe credit, fraud, and operational problems, using transparency, culture change, and long-term strategic thinking to restore stability and build momentum. She discusses why community banks must treat AI, digital banking, and emerging technologies as strategic opportunities rather than optional experiments, while also maintaining strong controls around cybersecurity, vendor management, and customer trust. Jill also shares how her work during the pandemic, including collaboration with Mark Cuban on relief and PPP-related tools, demonstrated the agility and public-service value of community banks. A major focus of the episode is ROGER, the digital banking platform her team built to serve enlisted military members, veterans, and military families with low-fee, accessible banking designed around their needs. Across the discussion, she emphasizes practical leadership, continuous employee training, risk awareness, and the importance of keeping customer outcomes at the center of innovation.

Summary:

• Turnaround leadership: Jill explains how Citizens Bank of Edmond recovered from credit issues, fraud, and reputational damage through transparency, team alignment, and disciplined execution.
• AI with discipline: She argues that community banks should actively learn and experiment with AI while maintaining safeguards around privacy, cybersecurity, and third-party risk.
• Customer-led innovation: The episode repeatedly underscores that technology should solve real customer problems, not simply improve internal efficiency.
• Military banking opportunity: Jill outlines how ROGER was created to better serve enlisted service members, veterans, and military families with accessible digital banking tools.
• Community bank advantage: She highlights that smaller institutions can innovate faster, collaborate closely with customers, and use partnerships to stay competitive with larger banks.

Referenced in this episode:

Companies:

• Citizens Bank of Edmond
• ROGER
• Verapath
• St. Meyer & Hubbard
• JPMorgan Chase
• Nimbus
• Teslar

Regulators / Industry Bodies:

• Federal Reserve
• FDIC
• American Bankers Association (ABA)
• Independent Community Bankers of America (ICBA)
• Independent Bankers Association of Texas

Technologies:

• Artificial intelligence (AI)
• Machine learning
• Quantum computing
• Digital banking
• Blockchain
• Cryptocurrency

Copyright © 2026 by Verapath

In this first episode, the hosts introduce the show and welcome John Kowal, Chief Technology Officer of Peapack Private Bank & Trust, a community bank serving the New Jersey and New York City metro market. Kowal outlines his role overseeing technology, operations support, training, innovation, and the bank’s AI team, and explains how the bank has approached AI over several years. The conversation centers on practical applications of AI in banking, including cybersecurity readiness, data analysis, workflow support, digital employees, and meeting-preparation tools for commercial and wealth teams. Kowal emphasizes that community banks do not need mega-bank scale to benefit from AI, but they do need internal expertise, governance, training, and trusted vendor partnerships. The hosts also discuss cultural adoption, the risks of shadow AI, hallucination, compliance expectations, and the importance of keeping humans in the loop for regulated decisions. The episode closes with a broader discussion of how AI may reshape competition in community banking, while also raising concerns around fraud, cyber risk, and customer protection.

Summary:

• AI adoption in banking: The discussion explores how banks can use AI to improve internal workflows, analytics, and employee productivity.
• Community bank AI strategy: John Kowal describes how Peapack Private Bank & Trust is using AI for analytics, internal workflows, and operational improvement.
• Risk and governance: The discussion highlights cybersecurity, shadow AI, hallucination risk, enterprise controls, and the need for clear AI inventories and oversight.
• Culture and training: The speakers stress that successful AI adoption depends on ongoing employee training, internal champions, and business-line engagement.
• Competitive impact: The episode frames AI as a chance for community banks to improve client service, increase banker productivity, and compete more effectively.

Referenced in this episode:

Companies

• Future Tech Banker
• Peapack Private Bank & Trust
• Verapath
• WSI
• Saint Meyer & Hubbard
• Goldman Sachs
• Morgan Stanley
• Anthropic
• ChatGPT
• JPMorgan
• McKinsey
• Amazon
• Montclair State University
• Fairleigh Dickinson University

Regulators / Industry Bodies

• FDIC
• NIST
• Cyber Risk Institute
• Graduate School of Banking in Madison
• Florida Bankers Association
• Pennsylvania Bankers Association

Technologies

• Artificial intelligence (AI)
• AI agents
• Digital employees
• AI chatbots
• Data warehouse
• Cybersecurity
• Zero-day exploits
• Ransomware
• Enterprise AI
• Data loss prevention (DLP)
• CRM
• Blockchain
• Stablecoin
• Crypto ATMs

Copyright © 2026 by Verapath