In this episode of the Digital Banking Podcast, host Josh DeTar sits down with Law Helie, General Manager of Consumer Banking at nCino, to explore what it takes to modernize digital banking. From his early days in the Marines to leading consumer strategy at one of the industry's top tech firms, Law brings a rare blend of discipline, empathy, and systems thinking.The conversation deepens into the real-world friction between fraud prevention and user experience. Law breaks down how legacy policies, generational gaps in tech literacy, and evolving scam tactics all pressure financial institutions to move faster and stay vigilant.They also unpack how AI reshapes everything from underwriting to internal policy decisions. Whether updating your loan origination flow or rethinking your customer education strategy, this episode is packed with insights to help you balance innovation, compliance, and trust.

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“What did the council decide on item 42?” — answered with the speaker and the moment.