Digital transformation efforts are struggling . . . supporting financial wellness needs . . . the problem of 'quiet quitting' . . . investments to improve profitability . . . understanding the concerns of Gen Z.

Customers have a strong interest in ESG issues . . . data analytics should drive marketing promotions . . . addressing customer anxiety over personal financial issues . . . what if your fintech partner fails . . . the importance of cloud-based services.

Struggles with digital transformation . . . subscription model for banking services . . . creating a digital customer experience . . . the future of the metaverse . . . consumers think their future bank will be a tech company.

What will banking look like in 3 years? . . . partnerships may be key to community bank survival . . . improving the call center experience . . . improving employee retention . . . retaining small businesses by using data effectively . . . social media marketing lessons . . . 'Leader on Loan' programs.

Improving customer service in a digital world . . . employee engagement as a strategic priority . . . what is hype and what's not in new technologies . . . creating a meaningful digital transformation process . . . are ITMs still relevant?

AI is underutilized by financial institutions . . . delivering on customer expectations . . . app store ratings yield valuable insights . . . focus on solving problems rather than pushing products . . . core system modernization (yes, bringing it up again) . . . women struggle for C-suite representation . . . 'tokenized deposits' are not stablecoins.

"Resistance is futile" - a core system change is inevitable . . . websites create more customer impressions than branches . . . the industry is experiencing a 'hard fork' . . . Supertanker? Speedboat? Both! . . . RTP is here, with even more interesting things on the way.

Leadership is critical for digital transformation . . . Apple wallet pricing practices under fire . . . women have different financial needs . . . the small business market is underserved by digital offerings.

More diversity of perspectives needed on bank Boards . . . focusing on the healthcare worker niche . . . banks should have an ESG strategy . . . no, cryto is not dead . . . consumers want even more mobile app features.

Personalized experiences are important but difficult to create . . . increased expectations for bank CIOs . . . insights from Morgan Stanley's CMO . . . embedded banking requires a different perspective . . . benefits of account aggregation . . . FedNow's benefits and challenges.