"Digital banking has become the largest branch of modern banking, yet most banks and credit unions still aren't approaching these experiences with a product mindset. They're managing digital channels the way they've always managed technology: as IT projects, rather than products that need constant refinement based on user behavior. The result is an ecosystem where institutions miss opportunities to serve different customer segments effectively and struggle to demonstrate ROI on their digital investments."
"Q2 has partnered with Pendo, a product experience platform, to help regional and community financial institutions make this transition. Trisha Price, Field Chief Product Officer at Pendo and host of the Hard Calls podcast, brings a cross-industry perspective on how companies leverage behavior data and analytics to build better products. Listen to this podcast to learn how banks and credit unions are using product management principles, user behavior data, and in-app guidance to transform their digital channels from cost centers into strategic growth drivers."
""Banks sell rails, and fintech sells outcomes," said Datos Insights' Christine Barry, a quote that Anthony Ianniciello, VP of Product Management at Q2, says encapsulates the fundamental shift that needs to happen. "That really gets to the heart of how you shift that mindset away from, I have this thing, and I have it for you, as opposed to, here's what I really want to drive for your success.""
Digital banking now represents the largest branch of modern banking, but many banks and credit unions manage digital channels as IT projects instead of products that require continuous refinement. Organizational fragmentation across IT, marketing, and channel teams prevents clear ownership and outcome-focused development. Institutions miss opportunities to serve varied customer segments and struggle to show ROI on digital investments. Shifting to a product mindset emphasizes user behavior data, in-app guidance, and product management principles to create outcome-driven experiences. Partnerships between fintechs and product experience platforms enable regional and community institutions to improve banker productivity, demonstrate measurable ROI, and convert digital channels into strategic growth drivers.
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