Banking on Data
Banking on Data is a podcast for community bank leaders thinking about what comes next.
Host Ed Vincent, CEO of Lumio Solutions, sits down with executives, analysts, and industry voices for candid conversations about the questions facing community institutions right now: where competition is really coming from, how to make confident decisions from data you trust, and how to modernize without losing the relationships that set community banking apart.
Plainspoken, practical, and free of hype — real conversations about the future of the industry, and what it takes to meet it.
Learn more at www.lumiosolutions.io
Episodes
116 episodes
The Loan Sorter | Start Small, from Banking on Data S4E3
Before an underwriter ever sees a file, someone has to check it against requirements and chase down what's missing — a manual process that happens at most banks every day. Ted Gibson of Shore Group Associates shows how they built a tool that ru...
The Data Anonymizer | Start Small, from Banking on Data S4E3
Before a bank can test a new vendor or tool, someone has to anonymize the sample data first — a process that normally takes days. Dave Macolino and Ted Gibson of Shore Group Associates show how they built a tool that does it in about two minute...
S4 | E3: The Future of Community Banking - Why AI Isn't the Only Lever
Everyone's asking what community banks are doing about AI. In this Banking on Data conversation, Ed Vincent and Dave Macolino, President & COO of Shore Group Associates, make the case for a better question: what problem are you actually try...
S4 | E2: Trust, Reliability, Cadence, Consistency: What Makes a Bank a Bank in 2026
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 pr...
S4 | E1: The Future of Community Banking: What Banks Must Do to Compete, with KBW's Joe Berry
In this episode of Banking on Data, Lumio CEO Ed Vincent sits down with Joe Berry, Co-Head of Investment Banking at KBW, to discuss the forces reshaping community banking. From changing customer expectations and fintech competition to AI, opera...
S3 | E28: Data-Driven Growth: Empowering Frontline Teams with Actionable Insights
Community banks have always excelled at building relationships. But in a market driven by data, relationships alone aren’t enough. The next wave of growth in banking depends on turning customer insights into action. This means empowering market...
S3 | E27: AI Starts with Data: Why Governance Is Your First Step
Artificial intelligence is the hottest topic in banking right now. Every conference, article, and C-suite conversation seems to circle back to AI’s potential for community financial institutions. But before any bank can truly harness tha...
S3 | E26: Building a Cyber Risk Playbook for the Post-CAT World
Cybersecurity is evolving faster than many community banks and credit unions can keep pace with. With the retirement of the FFIEC Cybersecurity Assessment Tool (CAT) on August 31, 2025, financial institutions are left wondering how best ...
S3 | E25: Responsible Innovation: How Fintechs & Banks Can Align for the Future
What happens when innovation outpaces regulation - and when community banks must adapt to a world moving faster than ever before?In this episode of Banking on Data, Host Ed Vincent sits down with Phil Goldfeder<...
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S3 | E24: AI Oversight: Why Program Risk Assessment Is Essential
Artificial intelligence (AI) is moving faster than any other technology banks have seen before. From fraud detection to lending platforms, AI is being embedded in nearly every vendor solution. For community banks and credit unions, this acceler...
S3 | E23: How Community Financial Institutions Can Build a Responsible AI Approach
Artificial intelligence (AI) is no longer just a buzzword in financial services. From lending to fraud detection to customer service, AI is steadily finding its way into community banks and credit unions. But for leaders, boards, and compliance...
S3 | E22: Mind The Gap (PT3): How a Playbook Minimizes Execution Risk
In this episode of The Banking on Data Podcast, Ed Vincent welcomes back Craig Hartman, founder and CEO ...
S3 | E21: Mind the Gap (PT2): Mitigating Execution Risk
In Part 2 of our Banking on Data podcast series with our partners at Plansmith, Edward Vincent welcomed back ...
S3 | E20: Mind The Gap (PT1) What Does Execution Risk Really Mean For Banks?
In this Banking on Data podcast, host Edward Vincent invited Craig Hartman, the Chairman and CEO of
S3 | E19: Cyber Risk in Focus: The Regulatory Shift and What It Means for You
The Banking on Data podcast welcomed back Josh Magri, CEO of the Cyber Risk Institute (CRI), for a timely Part 2 conversation focused on the evolving cybersecurity...
S3 | E18: Cyber Risk in Focus Evolving Threats and the Sunset of the CAT Tool
The cybersecurity landscape is changing fast. And for financial institutions, one of the biggest shifts on the horizon is the sunsetting of the FFIEC Cybersecurity Assessment Tool (CAT) in August 2025. In this episode of the B...
S3 | E17: Putting Data Strategy Into Action: From Whiteboard to Real-World Impact
Organizations across the financial sector are investing more time and energy into data strategy, but many still struggle to move from planning to execution. In this episode of the Banking on Data Podcast,
S3 | E16: The Data Strategy Divide: Why Reports Aren’t Enough
Ed Vincent, host of the Banking on Data Podcast, welcomed Jeff Fink back to the show for part three of their Data Strategy Series. This week's insightful conversation dives deep into the distinction between data strategy VS reporting, ...
S3 | E15: Defining A Data Strategy: What a Data Strategy is - and Isn’t
In this episode of the Banking on Data Podcast, Ed Vincent welcomes back Lumio’s Chief Product Officer, Jeff Fin...
S3 | E14: How to Start a Data Strategy From Nothing: Make the Mind Shift From Stuck To Start
For many community banks, embarking on a data strategy can feel like an overwhelming endeavor. Limited resources, small teams, and the misconception that “big data” is only for large institutions often lead to inertia. But as discussed in the l...
S3 | E13: 2025 Top Emerging Risks: Preparing for the Unpredictable
In this episode of the Risk Intel Podcast, host and Lumio CEO Edward Vincent invited CFO/CRO
S3 | E12: How to Improve Collaboration Among Banks, FinTechs, and Regulators
The relationship among banks, FinTechs, and regulators has never been more critical - or more complex for that matter. With technology advancing at breakneck speed, the challenge lies in striking a healthy balance between fostering innovation, ...
S3 | E11: Q1 Pulse Check: Kirsten Muetzel Shares 2025 Financial Services Vital Signs
As the year 2025 unfolds, the financial services industry is experiencing shifts that few could have fully anticipated at the beginning of the year. From regulatory changes to the rapid advancement of artificial intelligence (AI), and global ec...
S3 | E10: Why Should a Financial Institution CEO Prioritize ERM?
Enterprise Risk Management (ERM) has long been viewed as a defensive function—something financial institutions do to satisfy regulators and avoid compliance issues. However, this perspective is outdated. In today’s volatile business environment...
