The product mindset gap comes down to whether banks build around internal structures or the problems customers are trying to solve.
AI is pushing product thinking further, challenging banks to move beyond features and interfaces toward responsive products that understand context and help customers get things done.
EverBank-WaFd shows banks moving beyond the digital-versus-branch debate, combining EverBank’s digital deposits and national lending with WaFd’s branches and relationship banking to own more of the customer relationship.
Circle-Tazapay takes a similar approach from the payments side, adding banking relationships and local payment rails around USDC.
Salient’s CEO Ari Malik bet everything on auto lending, relocated to sit next to a single customer, and now says the company has never lost a client among the roughly half of the top 20 lenders it serves.
Malik breaks down, how AI voice agent grew into a full compliance and loss-recovery stack, why big banks are adopting AI faster than smaller fintechs, and the company got here without a sales team.
