Financial institutions stand in the greatest intergenerational wealth transfer in our nation’s history. Over the next decade, $16T of wealth will be passed from Boomers to younger generations, with Millennials anticipated to be the greatest beneficiaries. The historic transfer of wealth is even more meaningful to a Millennial generation hardest hit by the Great Recession.

If Millennials are the nation’s future wealth holders, Gen Zs are its future knowledge workers as they are expected to outnumber Boomers in the workforce for the first time in 2024. Competing for the Millennial’s wallet and the Gen Z’s talent presents new marketplace and workplace dynamics for financial institutions.

Learn how to capture both based on research exploring what each generation expects from financial institutions vying for their money and time.

Financial institutions face a deluge of unprecedented forces — from a changing of the generational guard among consumers and employees to mounting regulatory pressures to a dizzying technology landscape. Making sense of which trends are most significant can be challenging at best. Seeing the tectonic shifts as opportunistic rather than threatening is even more so.

In this talk, discover how changes among consumers, businesses, employees, regulators, and technology options are fundamentally altering the “bank” of the future and creating more opportunities than ever before for financial institutions to reinvent themselves and thrive.

“Digital maturity” is a victim of its own hype and hyperbole. For well over a decade, pundits, tech companies, and others have often wielded the term carelessly, using it to strike fear, uncertainty, or doubt in the minds of companies and institutions nervous of being left behind in the latest technology arms race. Often, decision makers are left confused and deflated, wondering what defines “digital maturity” in the first place and, more importantly, how to measure their own organization’s progress against a benchmark of their peers.

Based on a US study of more than 200 financial institutions of all sizes, this talk unpacks a digital maturity model focused exclusively on the retail banking industry to define how culture, strategy, and technology are combining to create competitive advantage for progressive banks and credit unions today.

Understand what defines digital maturity and assess your institution’s own capabilities against the national benchmark to create an individualized action plan for achieving greater levels of attainment.

Artificial intelligence (AI) has entered the public zeitgeist, much like the “information superhighway” did at the turn of the millennium. Despite the recent buzz, AI has been around for decades. Based on a 2024 national study among regional and community financial institutions and consumers, this talk examines exactly how AI is being used in a variety of digital banking use cases, including customer service, marketing, fraud prevention, and more.

Learn how to separate fact from fiction in the AI hype train and discover how regional and community financial institutions see the future of AI unfolding and what consumers think of this brave new world of finance.

No institution wants to find itself tomorrow’s headline or punchline for falling victim to the latest breach. Cyberthreats are the biggest existential threat to our digital world. Companies and financial institutions lose money in damages and far more in reputation and trust. The weakest link in a company’s defenses — its own employees — can be transformed into its greatest defense if everyone understands their position on this new battlefield.

This talk demystifies the world of cybersecurity — one predicated on warfare principles as old as time itself and provides practical prescriptions for major departments, including Marketing, HR, and IT, to ready their cybersecurity action plans and enlist every employee in the battle.

Every individual has an opportunity to be a brand. Yet, few individuals possess the know - how of how to invent, or reinvent, themselves into a brand that will enable them to attract positive attention from their workplace or marketplace.

This keynote covers the most significant tenets of marketing and applies them to illustrate how attendees can break through the proverbial clutter of candidates when selling themselves. In it, Cerra relies upon her more than 30 years of experience in the discipline and shares insights from her own career journey.

In the end, attendees will walk away with a how - to action plan that enables them to deliver their unique selling proposition more effectively to their company or the marketplace.