Propagate Fintech Podcast copertina

Propagate Fintech Podcast

Propagate Fintech Podcast

Di: Roland Howard
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A proposito di questo titolo

Propagate Fintech is a podcast exploring how financial services actually evolve.


Hosted by Roland Howard, the show features in-depth conversations with fintech founders, bank and credit union leaders, operators, and industry voices shaping lending, deposits, payments, account origination, and go-to-market strategy.


Each episode cuts through hype to focus on real-world execution: how products get adopted, why institutions struggle to modernize, where growth stalls, and what works when fintechs and regulated financial institutions intersect.


The podcast is produced by Propagate Fintech, an end-to-end marketing and PR agency serving the banking and fintech industry. Propagate partners with fintechs, banks, and credit unions to clarify positioning, build credibility, and drive growth through brand strategy, content, PR, and go-to-market execution.

© 2026 Propagate Fintech Podcast
Economia Marketing Marketing e vendite
  • AI Isn’t the Strategy. Actionable Data Is with Vertice AI's Tyler Brantley
    Feb 17 2026

    00:00 Integration Challenges in Financial Services
    01:02 Understanding AI in the Financial Sector
    03:55 Generative AI and Its Impact on Banking
    10:44 Navigating the Fintech Landscape
    12:16 The Role of AI in Banking
    15:13 Leveraging Data for Competitive Advantage
    17:04 Targeted Marketing Strategies
    21:31 Operationalizing Insights for Growth
    21:49 Balancing AI and Human Touch in Marketing

    AI is everywhere in banking right now, but what’s real, what’s hype, and what actually drives growth?

    In this episode of the Propagate Fintech Podcast, Roland Howard sits down with Tyler Brantley of Vertice AI to break down how artificial intelligence is reshaping customer acquisition, data strategy, and marketing execution for community banks and credit unions.

    This conversation dives into the practical side of AI adoption:

    • Why many financial institutions struggle to turn data into action
    • The shift away from massive data lake projects toward faster, AI-driven insights
    • How predictive modeling helps banks find better long-term customers instead of “spray and pray” marketing
    • The difference between true AI platforms and bolt-on solutions
    • How institutions can scale personalized marketing while keeping humans in the loop
    • What banking leaders should look for when evaluating AI vendors

    Tyler shares how Vertice AI helps financial institutions know, grow, and measure their customer base by turning existing data into actionable strategies without requiring large data science teams.

    If you’re a fintech leader, marketer, or banking executive trying to understand where AI actually fits into growth strategy today, this episode is for you.

    Learn more about Vertice AI: https://verticeanalytics.ai

    Want to work with Propagate Fintech? Fill out a contact form at www.propagatefintech.com

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    33 min
  • What Happens When Credit Scores Meet Cashflow? American Banker’s Melinda Huspen Breaks It Down
    Feb 9 2026

    Episode Summary

    In this conversation, Melinda Huspen discusses her journey into journalism, her insights on Experian's new credit scoring model, and the implications of open banking on credit scoring. She highlights the potential of cashflow-based underwriting to serve underserved communities and shares advice for fintechs looking to gain media attention. The discussion also touches on future trends in fintech and the challenges of entering the US market.

    Melinda's article in American Banker found below

    https://www.americanbanker.com/news/how-experian-scores-thin-file-borrowers-with-cash-flow-data



    Takeaways

    • Melinda's journey into journalism was facilitated by networking opportunities.
    • Experian's new credit scoring model combines various methods into a single score.
    • Open banking adoption will accelerate the use of cashflow-based scoring models.
    • Consumer lenders will be the first to feel the impact of cashflow underwriting.
    • Cashflow data can help underserved communities access credit more easily.
    • Fintechs should focus on the banking angle when pitching stories to journalists.
    • Regulatory changes are significant news for the banking industry.
    • Cybersecurity and fraud are major concerns for banks today.
    • The entry of non-US fintechs into the US market is a growing trend.
    • The evolution of cashflow underwriting will be influenced by regulatory changes.



    Chapters:

    • 00:00 Melinda's Journey to American Banker
    • 02:39 Experian's New Credit Scoring Model
    • 07:32 The Impact of Open Banking on Credit Scoring
    • 11:31 Cash Flow Underwriting and Underserved Communities
    • 13:59 Advice for Fintechs Pitching to Journalists
    • 16:40 Future Trends in Banking and Fintech

    Want to work with Propagate Fintech? Fill out a contact form at www.propagatefintech.com

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    21 min
  • Why Lending Still Feels So Clunky W/Glenn Bolstad of Vikar
    Feb 3 2026

    In this episode, I sit down with Glenn Bolstad, President of Vikar Technologies, to unpack what modern bank lending should look like—and why so many digital transformation efforts fall short.

    Glenn shares how Vikar approaches lending origination differently: orchestrating the full journey from application to underwriting, decisioning, closing, onboarding, and core integration. We discuss why point solutions continue to create friction, how complex commercial lending exposes the limits of legacy LOS platforms, and where AI is beginning to meaningfully impact lending workflows today.

    If you’re a bank executive, lending leader, or fintech operator focused on growth, efficiency, and experience—this conversation will challenge how you think about lending transformation.



    About Propagate Fintech

    Propagate Fintech is an end-to-end fintech and banking marketing agency helping financial institutions and technology providers clarify their story, strengthen awareness, and drive growth.

    From brand positioning and messaging to websites, video, conference presence, and go-to-market execution, Propagate partners with banks and fintechs across the full marketing lifecycle.

    Learn more at https://www.propagatefintech.com



    Topics covered
    • Why lending is the true front door to the banking relationship
    • Where legacy LOS platforms still break down
    • Straight-through processing vs manual dropouts
    • Best-of-breed vs orchestrated lending platforms
    • AI’s real impact on underwriting and decisioning
    • Change management and fatigue inside banks
    • Designing lending experiences that scale



    About the guest

    Glenn Bolstad is the President of Vikar Technologies, a fintech platform helping banks and credit unions modernize lending and deposit origination through a unified, end-to-end experience.

    Learn more at https://www.vikartech.com

    Want to work with Propagate Fintech? Fill out a contact form at www.propagatefintech.com

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    31 min
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