Improving mobile app retention . . . human-centered mobile banking . . . debit card usage is high . . . FedNow opportunities . . . CFPB challenging Apple on NFC restrictions . . . Amazon introducing BNPL . . . Generative AI in banking.

Fintechs are better at addressing customer needs . . . the limitations and risks of ChatGPT . . . focus on progress rather than perfection . . . FedNow opportunities . . . growing use of Tap-to-Pay . . . customer loyalty must be earned . . . prioritizing the customer experience in digital apps . . . evolutionary vs revolutionary digital innovation.

Five crises for the '20's . . . importance of tailored customer experiences . . . benefits of cloud migration . . . AI deployment challenges . . . neobanks aim to be their customers' PFI . . . the promise of Generative AI . . . financial wellness programs attract customers . . . proposed new banking regs.

The decline of trust in financial institutions . . . alternative data for credit decisions . . . consumer interest in instant payments . . . ESG support for small businesses . . . introducing the "Zellennial" . . . small business mobile banking needs . . . payments sector spurring widespread innovation . . . the human touch in wealth management.

Two flavors of digital transformation . . . FedNow may not be a win for consumers . . . lack of 'strategy' in many strategic plans . . . challenges managing a hybrid workforce . . . women underrepresented in tech positions . . . new regulation for "novel activities" . . . a "sidecar" for legacy core systems . . . transforming while reducing costs.

Growth of financial ecosystems . . . versatile business models . . . culture changes to remain competitive . . . AI/ML for KYC . . . the growing impact of automation . . . and embedded finance too . . . AI implementation challenges.

GO2bank from Green Dot . . . new account fraud . . . financial support for female customers . . . implementing AI projects . . . enhancing digital customer experiences . . . digital and self-service solutions . . . challenges with finding qualified employees . . . embedded finance, Nordstrom style . . . accessing data through Generative AI.

Banks already using AI/ML . . . Goldman Sachs consumer banking struggles . . . embedded finance opportunities . . . open banking and payments . . . making use of data . . . Generative AI in specialty finance . . . FedNow opportunities . . . creating 'customer experience centers' . . . BaaS regulatory concerns . . . the coming wave of banking consolidation . . . PFM is becoming table stakes . . . a new digital-only bank . . . customers increasingly embracing fintech alternatives.

Digital transformation challenges . . . the future of banking may be hybrid . . . successful marketing depends on data . . . digital account opening key to success for deposit acquisition . . . new regulation on third party relationships . . . more banks launching digital-only brands . . . Goldman Sachs in talks to sell Apple Card business . . . smaller banks advised to focus on digital rather than physical expansion.

B2B payment trends . . . Gen Z: potentially overlooked opportunity . . . the talent deficit in banking . . . payments challenges . . . BaaS opportunities . . . BaaS implementation challenges . . . growing consumer interest in nonbank financial services . . . opportunities with Agile development . . . Ally's ChatGPT adoption path . . . strategic priorities of banks vs credit unions.