Data, Trust & The Death of Product-Centric Banking | FinovateFall 2025
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Data, Trust & The Death of Product-Centric Banking | FinovateFall 2025
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Recording “in the hall” at FinovateFall, host Sam Kilmer is joined by Wayne Miller ( SVP Innovation at ICBA & GP at BankTech Ventures), Tiffani Montez (Principal Analyst, EMARKETER), and Har Rai Khalsa (CEO & Co-Founder, Swaystack). They discuss what a fintech leader’s day really looks like, the urgency of AI adoption, the shaky logic of bank-issued stablecoins, and why personalization and life-stage experiences must replace product silos.
Key Moments- 00:04 Live from FinovateFall, NYC — Sam introduces Wayne, Tiffani, and Har Rhai.
- 01:10 Day-in-the-life: matchmaking fintech + banks, research for clients, go-to-market hustle.
- 04:24 Hallway buzz: AI and stablecoin — time to focus on how, not why.
- 07:25 Industry pain points: inactive accounts, lack of engagement, and missing 360° customer views.
- 12:16 Positive outlook: AI as augmentation, personalization at scale, and shifting from products to customer life-stage journeys.
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