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The competitive landscape for community banks hasn't just shifted — it's already changed. The real question is whether institutions still understand what makes them valuable in it. For most of banking history, the answer would've centered on products: loans, deposits, a place to hold your money. That's no longer the differentiator. What separates the institutions that thrive from those that stall out is a set of characteristics that transcend any single product — the kind of trust a customer builds with an institution over decades, and the consistency of delivering on it. In this episode of Banking on Data, Ed Vincent sits down with Phil Goldfeder, CEO of the American Fintech Council, to talk about what's really driving the wave of fintech charter applications, why “responsible innovation” has to run in both directions — fintechs earning trust, and banks embracing technology — and what community banks need to understand about their own value before they can compete on anything else. Listen to the full conversation below or on YouTube. To see how Lumio helps community banks turn trusted data into confident decisions, visit lumiosolutions.io. For more episodes visit: LumioSolutions.io/podcast
