Tech transformation and AI to power bank growth
Release Date: 04/29/2026
Tech transformation and AI to power bank growth
ABA Banking Journal Podcast
Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees’ capabilities. Among other topics, Delie discusses: F.N.B.’s balance of organic growth and M&A and the role of culture in this growth. The bank’s...
info_outline
ABA’s ecosystem strategy to tackle fraud
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — a crossover episode with the — ABA’s Rob Nichols and Paul Benda provide several updates on ABA’s work to reduce the incidence and cost of fraud for bank customers. Among other topics, they highlight: Their recent participation in the United Nations and Interpol . “One of the key messages that I heard loud and clear is the need for there to be a whole ecosystem approach,” said Nichols. “It can’t just be banks protecting their customers and their clients. . . . We have to get these other industrial sectors to really...
info_outline
Capitalizing on opportunities to serve high-net-worth clients
ABA Banking Journal Podcast
Several factors — the growth of the U.S. economy and asset prices, generational transitions and changing values — are reshaping the wealth management and financial advice sectors. More individuals and families are falling into the high-net-worth (investable assets of over $3 million) and ultra-high-net-worth (assets of over $30 million) than ever before. How are banks positioned to capitalize on this evolving marketplace? On the latest episode of the ABA Banking Journal Podcast, ABA’s Mark Benskin — a veteran of the wealth management sector with experience at several banks —...
info_outline
Are credit union commercial loans risky business?
ABA Banking Journal Podcast
In recent years, credit union business lending and the number of credit unions that exceed the statutory cap on member business lending have shot up sharply. What risks do these trends pose to safety and soundness and financial stability? On the latest episode of the ABA Banking Journal Podcast, ABA’s Dan Brown and John Vermillion discuss on the subject. Not only does outsized credit union commercial activity steers these not-for-profit cooperatives away from their statutory mission, it also increases their exposure to an asset class where they — and their regulator — have traditionally...
info_outline
Risk and strategy in sponsor banking
ABA Banking Journal Podcast
Sponsor banking, or banking as a service, is a unique opportunity for banks — but it requires strategy, discipline and a laser focus on risk. On the latest episode of the ABA Banking Journal Podcast, Amanda Swoverland, president of Hatch Bank, discusses her bank’s strategy in BaaS. Among other topics, Swoverland talks about: Hatch Bank’s evolution as a sponsor bank focused on embedded lending and card issuance. How boards of directors and bank management teams can evaluate strategy for sponsor banking. The importance and scope of due diligence with fintech partners. A recently announced...
info_outline
From stablecoin to fraud, top takeaways from the 2026 ABA Summit
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast, Rob Nichols offers his top takeaways from the — including industry unity on stablecoin regulation, credit card policy challenges, federal preemption, and bipartisan legislation on fraud. Nichols also previews his upcoming travel to Vienna for the . .
info_outline
How the SCAM Act would encourage platforms to go after scammers
ABA Banking Journal Podcast
Major tech platforms make billions of dollars from scammers who advertise on their sites, , and there’s not much incentive for them to change their practices — yet. Sens. Ruben Gallego (D-Ariz.) and Bernie Moreno (R-Ohio) , which would take steps to tackle these scams. ABA strongly supports the SCAM Act, and on this crossover episode of the ABA Banking Journal Podcast and ABA Fraudcast, Paul Benda discusses: How the SCAM Act would introduce new know-your-customer and takedown requirements for tech platforms. Why there aren’t sufficient existing incentives for platforms to deal with the...
info_outline
A new kind of ‘community bank’ for small businesses
ABA Banking Journal Podcast
From one location in Wilmington, North Carolina, Live Oak Bank is the and a leading partner in for community banks. With an uncertain economic and business environment, two top executives from Live Oak Bank joined the ABA Banking Journal Podcast to discuss: How Live Oak delivers personalized banking services to a nationwide footprint. Where small business owners are looking to grow and build in the coming months. The need for liquidity in small business acquisitions and succession planning. The role of technology, including AI, in helping to improve the ability of banks to serve small...
info_outline
A Lone Star banking perspective
ABA Banking Journal Podcast
If Texas were an independent country, its economy would rank as the world’s eighth-largest. “France is the seventh largest economy in the world and I don’t think it’ll take as much time at all to catch them,” laughs Texas Bankers Association Chairman Ron Butler. On the latest episode of the ABA Banking Journal Podcast, Butler — who is also vice chairman and chief administrative officer of $14 billion-asset, Abilene-based First Financial Bank — talks about: What makes the Lone Star State a compelling economic story and an attractive market for investment (and out-of-state bank...
info_outline
The incredible shrinking penny (circulation)
ABA Banking Journal Podcast
The in 2025 caused operational challenges for banks when the regional Federal Reserve banks said they would stop accepting pennies for deposit at coin terminals -- accelerating the circulation shortage that's posing challenges for retailers. Today, the Fed , resuming deposits effective Jan. 14. On the latest episode of the podcast, ABA payments expert Steve Kenneally walks through the Fed's decision, the operational challenges the penny phaseout poses to retailers and banks, ABA's regulatory and legislative advocacy for improvements to the handling of coinage reform and for banks, frontline...
info_outlineOver the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees’ capabilities.
Among other topics, Delie discusses:
- F.N.B.’s balance of organic growth and M&A and the role of culture in this growth.
- The bank’s strategy of hiring data scientists to help the company break down silos and better target customers’ needs.
- F.N.B.’s “e-store” concept and how it supports the bank’s “clicks to bricks” retail strategy.
- The role of AI in recommending tailored products and providing holistic financial wellness advice, as well as strengthening bank credit and anti-fraud functions.
This episode is presented by Nexcess:
