Josh DeTar

speaker

2,317 appearances 6 recordings 1 series first heard May 2026 last heard 7 Aug

Josh DeTar’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 6 in all, peaking in Jul 2026 with 2.

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Digital Banking Podcast · From Ram 1500s to real-time payments with Tommy Cotter. · 7 Aug 2026 podcast

They're working very, very hard to steal or get them before you do your most profitable account holders.

And they're doing it with data.

But this is where I say this gets really interesting, specifically in the context of community financial institutions.

And this was the whole conversation this CRO and I had.

And she said, but at the end of the day, one of the things she struggles with, those people that aren't the profitable members, those are the ones that need a credit union or community bank more than anybody.

They're the ones who really need somebody in their corner that doesn't just see them as a profit tool.

They see them as a human.

They see them as a person, a part of their community.

They see someone that they want to help.

And that's their chartered mission.

I mean, the credit union mission is people helping people, for goodness sake, right?

And so you have to.

That's a part of your mission.

And that's what we want to do.

And that's what makes us feel good.

But it's hard to run a profitable business that way.

And so you have to start thinking about, well, what are the other things that I can do in my business to generate revenue so that can continue that mission?

Right.

But I think that also to bring this all the way back to what we started this with, Tommy, it brings us into then all of a sudden we fall into this trap of like, I have to do all the things to support that marginal user, though, because that's actually a part of my mission.

So taking your external background and now being a part of this industry for a couple of years and the learnings you've taken there, if you were to give a piece of advice to community financial institution leaders who are thinking about how do I optimize my processes for success?

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