Forum 2026 Schedule

• Strategic Transformation: Balancing Digital Marketing with Technology

  Speakers:
  – Angel Everard, VP Growth Marketing at Elevations Credit Union
  – Wesley McChristian, VP Delivery at Americaneagle.com
  – Missy Hildebrand, Digital Marketing Strategist at Americaneagle.com

  Location: Starvine 1 & 2

  View Session Description

  Discover how a Colorado credit union with 175,000+ members successfully balanced marketing needs with technical infrastructure in a comprehensive digital transformation. This session explores their strategic approach to moving from a developer-dependent platform to a solution that empowers marketers while maintaining technical excellence. Walk away with practical frameworks for evaluating when technology serves your marketing goals versus when it creates barriers, and how to build cross-functional alignment for digital initiatives that deliver results.

• Turn “Huh?” into “Aha!” with Behavior-Led Marketing

  Speaker: Kent Blacksher, Sales Executive IV at Alkami
  Location: Starvine 3 & 4

  View Session Description

  Bankers need marketing that actually moves the needle, not another dashboard. In this Power Breakfast session, you’ll hear how leading financial institutions useAlkami’s Data and Marketing Solution to activate behavior-based insights and launch personalized engagement marketing that delivers measurable lift. We’ll unpack what makes these campaigns work: the signals that mattered most, the light operational lift required to activate them, and the creative decisions that resonated with real account holders. You’ll walk away with practical plays that you can adopt regardless of where you are on your data maturity journey.

• How Leading Banks Scale Relationship Banking Without Losing the Human Touch

  Speaker: Nora Staebler, Global Industry Head Financial Services at Sitecore
  Location: Starvine 6 & 7

  View Session Description

  This session examines how experience design, journey orchestration, and real-time decisioning are being used to replicate—and strategically augment—key aspects of effective relationship management at scale. Attendees will see where human interaction creates the most value, where digital experiences can responsibly take the lead, and how both work together to deliver personal, compliant, and trust-building customer experiences across the lifecycle.

• CMO Masterminds: The Challenger Marketing Mindset

  Speaker: Jill Castilla, Chairman, President & CEO (and former CMO) at Citizens Bank of Edmond
  Location: Ironwood

  View Session Description

  Jill Castilla is one of only a handful of CMOs ever to be elevated to CEO in the banking world. Her career trajectory from a unique lens on what it takes for marketing leaders to drive transformational business outcomes, and her perspective bridges the strategic thinking of the C-suite with the practical realities CMOs face every day.

  Drawing on her experience launching ROGER, the fastest-growing digital military bank in the country, she’ll discuss the hardcore realities of what it takes to shift from traditional bank marketing to become more like a disruptive challenger bank — from talent constraints and skills gaps, to creative challenges and limited resources. The session will explore how banks of any size can adopt a challenger mindset without sacrificing trust or stability.

• Growing Business Banking Relationships & Revenues: Lessons from the Frontlines

  Speaker: Manny Tocco, COO/Head of Business Banking Strategy at Citizens Bank
  Location: Juniper 1

  View Session Description

  Business owners wrestle with financial pressures every day — from cash flow constraints to capital needs. The last thing they need is another business banker paying lip service to their challenges while pushing more loans on them. They want a true financial partner who understands their pain points, anticipates their needs, and helps them grow — not just a better rate or product pitch.

  In this session, a 30-year business banking veteran reveals how institutions that act as true growth partners — not just lenders — earn loyalty, wallet share, and lasting revenue streams. You’ll learn how to expand business relationships and create long-term value by aligning your institution’s strategy with what clients actually need — not what the institution wants to sell.

• How Financial Institutions Drive Deposits & Loans Through AI-Powered Affiliate Marketing

  Speakers:
  – Nicky Senyard, CEO at Fintel Connect
  – Marc Butterfield, SVP/Market Expansion at FNBO
  – John Hanley, CMO at Peak Bank
  – Vito Zerilli, VP/Program Managment at Axos Bank

  Location: Juniper 2 & 3

  View Session Description

  Consumers don’t visit bank websites to shop for loans and checking accounts anymore. They start with third-party sites like NerdWallet, Bankrate, and DepositAccounts.com that rank, review, and compare financial products — platforms now serving as the content backbone for AI-powered recommendations.

  In this session, you’ll hear how banks and credit unions are leveraging these platforms to drive scalable, profitable growth across deposits, cards, and lending. You’ll see how affiliate content increasingly feeds discovery through AI tools — and what financial marketers must do now to make sure they show up, get cited, and get chosen.

• Growth Strategies Lab: Advanced Data Analysis to Drive Growth and Marketing ROI

  Speaker: Sean Sanchez, EVP/Head of Client Services at FirstBank ($27 billion in assets)
  Location: Juniper 4

  View Session Description

  Hear how FirstBank uses advanced data analysis — including national benchmarks built from thousands of peer data sets — to uncover capacity and propensity factors they can’t see with internal data alone.

  Explore how these insights reveal quantifiable growth gaps, and guide personalized marketing strategies with optimally priced offers at the household, customer, product, and wallet-share level.

  You’ll see how this approach produces measurable marketing ROI, supported by creative campaign examples with real results, including balances generated and performance against benchmark norms.

• Seizing the $21 Trillion Wealth Opportunity in Banking

  Speaker: Jean-Pierre Lacroix, President and Chief Strategy Officer at SLD
  Location: Primrose 1

  View Session Description

  The most significant wealth transfer in history is underway right now, with younger generations set to inherit $21 trillion from Baby Boomers — a massive demographic shift that’s fundamentally reshaping how people choose and interact with financial institutions.

  This session reveals how forward-thinking banks and credit unions are redesigning customer journeys and modernizing their value propositions to capture a disproportional share of this once-in-a-generation growth opportunity. You’ll learn how to align leadership, culture, and innovation around the realities of this historic transition, and reframe your brand to resonate with today’s younger, purpose-driven consumers without alienating legacy customers.

• The Science of Branding: Tapping the Hidden Forces Behind Consumer Decisions

  Speaker: Josh Streufert, Chief Creative Officer/Creative Director & Principal at Strum
  Location: Primrose 4

  View Session Description

  What makes some financial brands so much more effective than others? It’s not about rates, fees, and product features. It comes down to how the brain is wired to process, sort, and filter what matters — emotionally, not logically. In a world with endless options and shrinking attention spans, understanding the science of choice is a strategic advantage that marketers of all levels must master.

  In this creative learning session, we’ll break down the science behind creativity and persuasion — and how top brands use powerful emotional levers to shape behavior, influence decisions, and earn trust. You’ll learn a framework with simple techniques for making your branding and marketing initiatives more effective, more fun, and more rewarding.

Choose from multiple concurrent sessions covering AI, branding, marketing strategy, and growth.

• Going Beyond Lifecycle Marketing to Deliver Real-World Value

  Speaker: Marcell King, Partner and Head of Portfolio Company Strategies at Demopolis Equity Partners / Nuuvia
  Location: Copperleaf 1

  View Session Description

  The traditional segmentation models used in financial marketing are failing. This session will show you how to design bespoke products around financial moments throughout the entire financial journey — not just broad demographics. See how this empathy-driven approach to product design transforms engagement into lifetime loyalty with demonstrable results.

  You’ll learn a practical framework to design products around critical financial moments — how to co-create solutions, prioritize underserved segments, and quantify success through LTV vs. short-term vanity metrics.

• CMO Masterminds: Disruptive Differentiation

  Speaker: Melissa Stevens, Chief Marketing Officer at Fifth Third
  Location: Ironwood

  View Session Description

  Melissa Stevens leads marketing and brand strategy with an emphasis on data-driven decisioning, digital-first experiences, and how financial institutions must embrace “disruptive differentiation” to successfully compete in a crowded, low-engagement category. Her marketing leadership and impact have been recognized multiple times by American Banker.

  Melissa will share how she elevates marketing’s influence beyond awareness campaigns to shape business operations and growth decisions at the executive level and across the C-suite. The conversation will explore why emotional insight drives better results than rational messaging in financial services, and how to balance AI-driven personalization with authentic human connection in a category built on trust and navigating deeply personal financial moments.

• Internal Branding to Accelerate Growth: Aligning People, Purpose & Performance

  Speaker: Kerry-Ann Stimpson, Chief Marketing Officer at JMMB Group
  Location: Juniper 1

  View Session Description

  Marketing isn’t just about advertising and customer-facing communications. The most successful financial brands are built from the inside out — where every employee understands, believes, and delivers on the brand promise. Yet many institutions still treat internal marketing as an afterthought (if they think of it at all).

  This session reframes internal marketing as a critical leadership discipline that drives performance, alignment, and growth. Drawing on real-world experience, this session shows how marketing leaders can embed brand purpose into their institution’s culture, connect internal behaviors to external outcomes, and transform staff engagement into measurable business results.

• AI and the New Rules of Search: Content Strategies to Maximize Brand Visibility

  Speaker: Wil Reynolds, Founder & CEO at Seer Interactive
  Location: Juniper 2 & 3

  View Session Description

  AI has changed the rules of online search forever. In this new era of algorithmic disruption where machine learning models dictate brand visibility — not search engine page ranks — financial institutions that cling to the old SEO playbook are doomed.

  This session reveals what it takes to win in the AI-powered search ecosystem. You’ll learn how to evolve from chasing rankings to building real authority, why you need to optimize for trust and credibility instead of keywords, and how to future-proof your institution’s digital presence in a world where AI is now the gatekeeper to customer attention.

• Growth Strategies Lab: Accelerating New Market Growth Using a Hyper-Local Strategy and Human-Centered Activation

  Speaker: Jake Engle, AVP/Brand Communications & Strategy at Financial Center ($1 billion in assets)
  Location: Juniper 4

  View Session Description

  When Financial Center entered a fast-growing, affluent market, they ditched the old playbook most institutions rely on. This case study explores how innovative, on-the-ground activations — from sidewalk outreach and pop-up events to hand-delivered gift boxes — created immediate visibility and drove traffic that converted to new relationships.

  Learn how sustained human effort with boots on the ground outperforms paid promotional strategies, and how to generate stronger deposit momentum than traditional launch tactics using a focused suite of high-impact introductory offers.

• Driving Transformational Growth: How Marketing Becomes the Competitive Advantage in Banking

  Speaker: Sumeet Grover, EVP/Chief Strategic Growth & Digital Officer at UFCU
  Location: Primrose 1

  View Session Description

  Many financial institutions still view marketing as a support function. That’s a mistake. Credit unions are winning on purpose. Banks win with efficiency. Fintechs win on speed. The institutions that dominate the next decade will integrate all three — putting marketing at the center of this growth engine. This session will challenge banking leaders to rethink marketing as enterprise architecture, not merely a campaign factory. You’ll leave with a practical model to align brand, product, analytics, digital, AI and governance into a unified performance system with ROI tied directly to revenue and LTV.

• From Oncology to Opportunity: Lessons in Humanizing the Banking Experience

  Speaker: EJ Kritz, Chief Experience Officer at DBSI
  Location: Primrose 4

  View Session Description

  What does cancer have to do with banking? On the surface, not much. But when EJ Kritz was diagnosed with Stage 3 cancer in 2019, his journey to recovery became a masterclass in service and personalization. He found himself inside a system that often knew what he needed before he did — addressing his uncertainty about the future, fears of making the wrong choice, and the overwhelming need for someone to make it all feel a little more manageable. All familiar parallels with financial services.

  This profoundly personal yet surprisingly relevant session is about the universal human needs that emerge in moments of vulnerability — and how those same needs show up in financial services every single day. You’ll see how empathy can be operationalized, how anticipating needs builds trust, and how financial institutions can design experiences that comfort, guide, and empower people when- and where they need it most.

Choose from multiple concurrent sessions covering AI, branding, marketing strategy, and growth.

• Cutting Through the Hype – Making A Real Difference on the Balance Sheet

  Speaker: Dan Marks, President at Infusion Marketing Group
  Location: Copperleaf 1

  View Session Description

  Learn how data-driven FIs use benchmarking and robust attribution to pinpoint the precise impact their marketing activities are having in driving specific accounts, balances, and retention.

  In this session, CMOs will share how they’re practically applying analytics to move the needle. You’ll hear how financial marketers are holding strategic, data-driven conversations with their CFOs and boards, with case studies revealing strategies that create true growth.

• One Brand. Many Experiences. Building a hero brand that powers personalization.

  Speakers:
  – Paul Tonelli, SVP & Chief Creative Officer at Pannos Marketing
  – Derek Barka, Chief Innovation Officer at Silvertech

  Location: Starvine 1 & 2

  View Session Description

  In today’s banking environment, personalization is no longer optional, and neither is brand consistency. The real challenge isn’t choosing between the two. It’s building a brand architecture strong enough to support both. Join us for a focused lunch & learn exploring how banks can define a powerful “hero” brand that creates emotional connection and distinct perception, while strategically activating AI-driven personalization across products, channels, audiences, and life stages. We’ll examine why identity alone is just an empty vessel without clear meaning behind it. And why the banks that win aren’t simply the ones with better data, but the ones that attach unmistakable meaning to every data driven interaction. If you’re responsible for brand, marketing, digital experience, or customer engagement, this session will challenge how you think about identity, personalization, and the role AI has in shaping perception. Because in the end, the strength of your brand is defined by the meaning you deliver.

• Game On: Branches Designed for Real-Life Engagement

  Speakers:
  – Kevin Poirot, Chief Strategy Officer at PWCampbell
  – Brian Laurinaitis, Vice President Retail Strategy at PWCampbell

  Location: Starvine 3 & 4

  View Session Description

  Your brand connects with customers across many touchpoints—your mobile app, website, and social media offer convenient access anytime, anywhere. But digital access is only part of the story. Much like a video game that can be played on multiple platforms—from a phone to an arcade—branches bring your brand to life in a way no screen can. They become interactive, purpose-built hubs where data and technology fuel real-world connections and experiences. In this session, you’ll discover how our unmatched mix of design-build expertise, banking insight, powerful brand expression, and smart technology integration delivers winning strategies you won’t find anywhere else. You’ll leave empowered to hit the high score and equipped to win the game of branch engagement.

• CMO Masterminds: Modernizing the Marketing Engine

  Speaker: Mike Daum, Chief Marketing Officer at Golden 1 Credit Union
  Location: Ironwood

  View Session Description

  Mike Daum brings nearly three decades of experience leading marketing and brand strategy to one of the nation’s largest credit unions competing in one of the most demanding banking markets in the world. His background includes senior marketing roles leading integrated go-to-market growth strategy and brand campaigns at some of the most admired brands in financial services including USAA Bank and KeyBank.

  Mike will unpack how Golden 1 is modernizing its marketing engine, evolving into a full-funnel, always-on organization built around personalization, AI, data, and trigger-based activation. He’ll also address change management at scale — from building CMO/CFO partnerships to right-sizing agency and martech partners — and explain why balancing innovation with discipline, and getting the basics right, still matters more than chasing the latest tool.

• From Hype to ROI: AI, Blockchain & The Next Era of Banking Innovation

  Speaker: Michael Toner, Innovation Advisor at Profor
  Location: Juniper 1

  View Session Description

  The convergence of AI and blockchain is redefining what innovation means in financial services. While many institutions chase trends and buzzwords, a few are quietly turning these technologies into tangible business value — building trust, reducing friction, and creating more intelligent customer experiences.

  This session cuts through the hype to focus on the strategies and real-world applications that matter most. You’ll see how AI and blockchain are reshaping consumer engagement, operational efficiency, and risk management — and what it takes for financial institutions to separate practical innovation from passing fads.

• Banking on Autopilot: How Smart Apps Get Out of the Way with AI & Automation

  Speaker: Dave DeFazio, Chief Strategy Officer at StrategyCorps
  Location: Juniper 2 & 3

  View Session Description

  Banks spent the last decade stacking more features into digital channels. More buttons. More options. The problem? Customers don’t want “more banking” — they want less.

  This practical session examines how leading institutions and consumer fintech apps are reshaping the next chapter in digital banking through automation, embedded guidance, and invisible design.

  You’ll see how some of the most radical changes in financial services are happening quietly inside the apps people use every day. Savings happen automatically. Timely advice appears without appointments. Payments and transfers occur before customers even realize there was a problem.

  Loaded with examples, you’ll see how leading financial institutions are removing friction with live demonstrations from Chase, BofA, Capital One, Apple Wallet, Wealthfront, Credit Karma, Rocket Money, Acorns, Cash App, and SoFi.

• Growth Strategies Lab: Fueling Merger Momentum With an Enterprise Data Foundation

  Speaker: Troy Carmichael, SVP/Enterprise Data Management at Renasant Bank ($27 billion in assets)
  Location: Juniper 4

  View Session Description

  Renasant Bank’s M&A growth strategy is built on years of investment in an enterprise-wide data framework. This case study based on a recent acquisition will show you how they minimize customer disruption and accelerate new revenue opportunities with accurate data that’s consolidated and connected across business lines.

  You’ll learn how to build a data integration strategy that sustains momentum through acquisitions, and how to analyze post-merger growth opportunities. You’ll see how to support a smooth rollout that keeps leadership teams focused on culture, customer retention, and post-merger growth, along with common integration pitfalls to avoid.

• Economic Outlook for 2026 & Beyond: Trends Impacting Strategic Leadership and Risk Management

  Speaker: Dr. Lindsey Piegza, Chief Economist and Managing Director at Stifel Nicolaus & Co.
  Location: Primrose 1

  View Session Description

  Economic uncertainty. Interest rate volatility. Persistent inflation. Neurotic regulators. These are among the top concerns affecting strategic plans in the banking industry — all with massive implications on margins that are already razor thin. With consumer confidence wavering, the path forward remains anything but clear. For banks and credit unions, every strategic decision — from deposit pricing to loan growth — now hinges on anticipating what’s around the corner.

  In this fast-paced economic outlook, you’ll get the data, insights, and foresight needed to plan confidently for the next 12–24 months. This session decodes the latest economic indicators, explain how they translate into opportunities and risks for financial institutions, and reveal what every banking leader should be watching to stay ahead of shifting market forces.

• Next-Gen Onboarding to Maximize Cross-Selling, Retention and ROI

  Speaker: Ben Udell, SVP/Product Marketing and Innovation at Marquis
  Location: Primrose 4

  View Session Description

  Every financial institution has an onboarding program, but few are truly optimized for today’s digital-first consumers. Even the smallest gaps in the first 90 days can quietly erode loyalty, engagement, and long-term profitability.

  This session will show you what next-generation onboarding looks like. You’ll see how leading financial institutions are integrating behavioral data and marketing automation to personalize the new accountholder experience, accelerate cross-selling opportunities, and turn new relationships into lasting, profitable growth.

Choose from multiple concurrent sessions covering AI, branding, marketing strategy, and growth.

• Winning Digital Growth Without Enterprise Spend: Unifying AIO, Social & Advanced Tracking

  Speaker: Kacey Kaderly, Director of Digital Strategy at image.works
  Location: Copperleaf 1

  View Session Description

  It doesn’t take a big bank’s budget to compete in search and social today. You just need the right strategy.

  This session will uncover how community institutions are using Google’s AI inventory (Performance Max, DemandGen, AI Max for Search) alongside Meta and LinkedIn ads to capture attention — without overspending.

  Attendees will gain practical, data-driven insights into what’s working now, how to get the most from every dollar, and how to confidently measure ROI. From signal-based targeting to compliance-friendly tracking, this session will help you turn your digital marketing into a growth engine.

• CMO Masterminds: Refreshing Legacy Brands

  Speaker: Devin Teles-Cygnar, EVP/Chief Marketing & Communication Officer at Northwest Bank
  Location: Ironwood

  View Session Description

  Devin Teles-Cygnar’s senior leadership roles at PNC, Fifth Third, and Fidelity National have shaped his approach to modernizing legacy brands through periods of significant transformation. He’s built a reputation for navigating the tension between innovation and institutional stability while maintaining disciplined focus on measurable growth.

  Devin will outline how Northwest Bank is refreshing a 130-year-old regional brand without alienating its core customers. He’ll share lessons on expanding into new markets, balancing performance marketing with long-term brand investment, and influencing change inside complex, regulated organizations. Attendees will gain insight into aligning brand, CX, and growth to make marketing a true strategic lever.

• How Innovative Marketers Build Continuous Growth Engines With Smarter Optimization

  Speakers:
  – Don Sklenka, SVP/AI Optimization Strategy at Claritas LLC
  – Jonathan Hanson, SVP/Marketing at Vystar
  – Mary Gustafson, VP of Product Marketing at Vystar
  – Harrison Aquino, VP/Marketing at Suncoast Credit Union
  – Katherine Eddleman, SVP/Manager of Paid Media at Regions Bank

  Location: Juniper 1

  View Session Description

  Modern marketing isn’t about more campaigns — it’s about continuous optimization. Institutions that connect data, creative, and media into one learning system are pulling ahead fast.

  In this panel discussion, top financial marketers reveal how they are modernizing their marketing stack without overcomplicating it. These innovative trailblazers will prove you don’t need a dedicated data science team to build an automated engine that evolves in real time. You’ll see how leading banks and credit unions are aligning strategy with technology to make smarter, faster decisions, as they transform their audience segmentation models, automate and personalize creative, and optimize media budgets.

• Internal Governance Frameworks for Secure, Responsible AI in Financial Services

  Speakers:
  – Jeff Whiteside, Senior Director of Security & Risk Governance at Chime
  – Yan Zhang, Senior Audit Manager at CapitalOne
  – Ajish Abraham, VP of Infrastructure & Security at iBusiness Funding

  Location: Juniper 2 & 3

  View Session Description

  AI is reshaping every facet of banking — from risk assessment to fraud prevention. But its real test isn’t technical. It’s ethical. Financial institutions now face a defining moment: how to balance innovation with accountability, and how to maintain public trust when algorithms make more decisions than people do.

  This session explores how financial institutions can establish a foundation of trust in an AI-driven environment. You’ll see how forward-thinking organizations are reengineering governance frameworks, rethinking compliance, and reorienting culture around responsibility — not just speed — to stay credible, compliant, and competitive.

• Growth Strategies Lab: Fixing AI Search Blind Spots Across Your Digital Presence

  Speaker: Kevin Farley, Former VP/Experience & Engagement at United Heritage Credit Union ($1 billion in assets)
  Location: Juniper 4

  View Session Description

  See how generative AI engines interpret a financial institution’s website today — what they surface, what they misread, and what they ignore altogether. This session includes a live demonstration that evaluates a site the same way AI search tools do, revealing visibility gaps across core products and showing where focus will have the greatest impact.

  Learn how to prioritize fixes that improve AI-driven discoverability without heavy IT lift, quantify potential impact, and build a clear action plan. Attendees leave with a practical method to assess their own digital presence and take immediate steps to strengthen how AI engines represent their institution.

• Beyond TikTok & Viral Influencers: Financial Education in the Age of Misinformation

  Speaker: Kelly Ball, CEO/Pathfinders and Assistant Teaching Professor at the University of Notre Dame at Pathfinders
  Location: Primrose 1

  View Session Description

  When younger consumers have financial questions, they aren’t looking to financial institutions for answers. They’re turning to sites like TikTok, YouTube, and Reddit first — social platforms flooding the internet with financial advice that’s often more entertaining than accurate.

  This session challenges leaders to redefine what “financial education” means in a world dominated by viral social media content. You’ll see how to transform financial education into a strategic moat — not the perfunctory public service most bankers ignore. You’ll learn how to build credibility, trust, and confidence as you create learning experiences that engage today’s digital consumers. Because if you don’t own the narrative, someone else will — and they’ll own your customers too.

• Lowering Cost of Acquisition with Hyperlocal Marketing at Scale

  Speaker: Alyssa Armour, VP/Product – Financial Services at Vericast
  Location: Primrose 4

  View Session Description

  Most financial institutions waste 30–50% of their media budgets talking to the wrong people in the wrong places. Why? Because their targeting is too broad, their creative is too generic, and their teams are stretched too thin.

  This unfiltered session will show you how top-performing banks and credit unions are using hyperlocal growth strategies to outmaneuver the megabanks. You’ll see how they are finding untapped pockets of demand and dramatically improving targeting efficiency to lower acquisition costs with neighborhood-level insights, dynamic creative generation, and AI-powered optimization. Hear real client stories as they reveal what works, what flopped, and why local relevance is now the single biggest multiplier of marketing ROI.

Choose from multiple concurrent sessions covering AI, branding, marketing strategy, and growth.

• Successful Strategies to Turn Value-Add Services into Reliable Non-Interest Income

  Speaker: Gabe Krajicek, CEO at Kasasa
  Location: Copperleaf 1

  View Session Description

  Community banks and credit unions are watching traditional fee income erode while their cost of funds has risen. The institutions that will win in this environment aren’t those that squeeze a few more dollars from overdraft or nuisance fees, but the ones that reimagine non-interest income as value-add subscription-style services people actually want.

  In this session, you’ll learn how to pivot from transactional, penalty-based fees to modern, consumer-friendly revenue streams that deepen engagement and loyalty. We’ll explore real-world examples of bundled protections, rewards, and digital services that generate recurring non-interest income — without creating reputational or regulatory risk.