CURQL Wonka and the CUSO Factory: Jim Ryan has your Golden Ticket.
Banking on Experience powered by BUSINESSNEXT
Release Date: 10/03/2022
What It Actually Takes to Turn New Members into Real Financial Relationships
Banking on Experience powered by BUSINESSNEXT
The NCUA reports that 64% of new credit union members show zero activity beyond opening their account. That's not a growth problem — it's an activation problem. And in this episode, we get into exactly how to fix it. Joining host Joshua Barclay are Matt Fehrmann, CIO of Kohler Credit Union, and Har Rai Khalsa, CEO and co-founder of Swaystack. Together, they bring real-world experience and concrete solutions to some of the most stubborn challenges in member engagement. In this episode: Why email isn't dead — and when to stop using it What it actually takes to activate a new member...
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What Matters Most for Credit Unions in 2026
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With thousands of credit union-related conversations under his belt, CU Broadcast host Mike Lawson has his finger on the pulse of the industry like few others. So we asked him point blank: after everything you heard in 2025, what should be top of mind for credit union leaders heading into next year? His answer? A wake-up call. In this episode, Mike Lawson and host Joshua Barclay dissect the uncomfortable truths facing credit unions—from an aging membership base that threatens the movement's long-term survival, to mega-mergers that risk eroding the "people helping people" DNA that makes...
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Better Risk Management starts With Unified Data
Banking on Experience powered by BUSINESSNEXT
Most financial institutions are swimming in risk right now: cyber threats, regulatory pressure, liquidity concerns, fast-moving competitors, and the accelerating impact of AI. But as Ed Vincent, CEO of Lumio Solutions, explains, the biggest threat isn’t any of those individually. It’s the fragmented data sitting behind them. In this episode, Ed breaks down why community banks and credit unions are essentially flying blind when their data lives in disconnected systems, spreadsheets, and legacy tools. He reveals why traditional, rear-view-mirror risk management leaves...
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Building Teams That Scale: Beyond The Tech Stack
Banking on Experience powered by BUSINESSNEXT
Most credit unions talk about digital transformation as a tech problem. But the real differentiator is not software. It is a strategy that starts with your people and your teams. According to McKinsey, about 70 percent of digital transformation initiatives fail to meet their goals, creating massive waste and stalled progress for financial institutions. This episode cuts through the noise by featuring someone who has actually delivered meaningful transformation in a real credit union. Jonah LaFollette, Chief Strategy Officer at Foothill Federal Credit Union, shares how his...
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Inside Jack Henry’s Ambitious Strategy to Modernize The Core
Banking on Experience powered by BUSINESSNEXT
Tired of hearing about costly, disruptive core conversions that sideline credit unions when they need to compete most? There's a better way forward. In this episode, host Joshua Barclay sits down with Brynn Ammon, President of Credit Union Solutions at Jack Henry, to explore how extending—not replacing—your core system could be the competitive advantage your credit union needs. You'll discover: Jack Henry's revolutionary approach using cloud-native microservices that integrate seamlessly with existing systems The shocking truth about member data: most credit unions have access to less...
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Breaking Down Banking Silos: The Highway To Unified Data
Banking on Experience powered by BUSINESSNEXT
What do 300 high schoolers, a treacherous dirt road, and an epic keg party have to do with your bank's data strategy? Everything, according to Joshua Barclay and Nick Del Francia from BusinessNext. In this unique episode, Joshua shares a wild story from his Connecticut party-throwing days to illustrate banking's biggest challenge: it's not about your products (everyone sells the same checking accounts and credit cards), it's about the experience—the "road"—that leads customers to those products. You'll discover: Why 66% of consumers want personalized experiences, but only 42% actually...
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AI Without Fear: The Compliance Playbook for Credit Unions
Banking on Experience powered by BUSINESSNEXT
Most credit unions are trapped in AI paralysis. It’s not because they don't want the competitive advantage, but because they're terrified of what happens when regulators come knocking. In this tactical episode of Banking on Experience, host Joshua Barclay sits down with Ray K. Ragan, Chief Information Officer at Securityplus Federal Credit Union, to solve the AI compliance puzzle once and for all—so credit unions can tap into the transformative use cases waiting on the other side. Ray isn't your typical credit union executive. As an Army Reserve officer who served on the Army AI Task Force...
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Survival of the Data-Fittest: Win the Retention Race in Modern Banking
Banking on Experience powered by BUSINESSNEXT
What if the secret to member retention isn’t more data—but better use of it? In this live episode of Banking on Experience, we tackle one of the biggest challenges facing credit unions today: keeping Members engaged in an era of limitless options and vanishing loyalty. You’ll learn: Why 44% of new accounts go inactive within a year—and how to reverse it The high cost of fake personalization Real-world tactics that combine human connection and AI-powered insights How a Detroit Lions-themed CD campaign turned into a member engagement machine Why you don’t need a data warehouse to...
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Why Bank of Idaho Bet Big on Acquisition – A Candid Talk with CEO Jeff Newgard
Banking on Experience powered by BUSINESSNEXT
Bank of Idaho made headlines with its $245 million acquisition deal with Glacier Bancorp—a bold move at a time when community banks are battling rising regulatory pressure, digital disruption, and funding challenges. In this episode, Chairman, President & CEO Jeff Newgard shares: The key factors that drove the decision to sell The toughest leadership challenges during the transition How he approached cultural integration between two institutions The hard truths every community bank leader must face in today's fast-changing market Whether you're weighing an acquisition or simply...
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The Real-Time Payments Fraud Dilemma: Why Faster Transactions Mean Bigger Risks
Banking on Experience powered by BUSINESSNEXT
Real-time payments are revolutionizing how money moves—faster, easier, and more seamless than ever. But with speed comes risk. Fraudsters aren’t just small-time scammers anymore; they’re running sophisticated, AI-powered crime rings that target credit unions and community banks in real time. So, how do financial institutions fight back? In this episode of Banking on Experience, host Joshua Barclay sits down with Jeff Scott, VP of Fraud Tech Solutions at Q2, a fraud prevention expert on the front lines of the fight against real-time financial crime. Together, they reveal how credit...
info_outlineImagine if there was a CUSO that paired your Credit Union with cutting-edge fintech solutions -– to help you implement leading technology faster, easier, and more affordable.
On second thought, you do not have to imagine this scenario. The golden ticket for your Credit Union is finally here.
Jim Ryan, VP of Strategic Planning at CURQL Collective, breaks down his definition of “the COVID pivot,” shares his experience in the CU Movement, and spills the beans about the hottest new CUSOs in the Credit Union space, CURQL Collective, and CURQL FUND.
CURQL (pronounced Circle) is the first CUSO factory, bridging together Credit Unions and leading-edge fintech solutions.
Hear how a vision, a need, and a few talented industry experts raised over 252 Million Dollars to fund this collaborative vision during the Pandemic!
In this episode of the banking on experience podcast, learn how your Credit Union or CUSO can find your “Golden Ticket” to the CUSO Factory. Jim Ryan has the key to the front gate.
You are welcome to join.
Lastly, we'd like to tell you about an upcoming fintech showcase for the Credit Union industry: VentureTech 2022. Taking place from November 7-9, at the Omni Frisco Hotel - Texas.
If you're interested in learning more about VentureTech 2022, visit https://myventuretech.com/