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Here's What Keeps FI Executives Up at Night...

You bought the best loan origination system. The best account opening platform. The best e-signature solution. Each one is best-in-class for its specific function.

But they don't talk to each other.

What you've created—and we say this with empathy because we've seen it hundreds of times—is what we call a Frankenbank. A technology monster that kind of moves and kind of functions, but when you look at it closely, it's not pretty.

Things are stitched together. Velcroed. Hot glued.

Your employees are manually bridging gaps between systems.

Consumers experience friction on every handoff.

And you've created a dozen security vulnerabilities because every disconnected system is a potential point of failure.

Meanwhile, the numbers are brutal:

95% of FI execs report their data is trapped in silos
50% say these silos are causing major barriers to innovation
Only 17% say their current data strategy is actually effective

But Some FIs Have Figured It Out.

At Kinections25, we brought together the banks and credit unions that have cracked the code. Not theorists. Not consultants. Real FI leaders who are living these results every day.

Launch Credit Union automated their goals and incentive tracking and saved 480 hours per year—that's 12 full work weeks they redeployed to actually helping members.

PSECU transformed manual cross-sell reporting into an automated workflow that pays team members faster, which ultimately drives stronger performance.

American Heritage Credit Union implemented a data warehouse so integral to their operations that their SVP says "I can't imagine running our credit union without it."

Community FIs using cash automation reduced EOD balancing times by 10X for branch staff while simultaneously improving branch experiences for customers and members.

FIs using digital connectivity cut loan boarding time from 45 minutes to under 5 minutes—without adding staff.

eSignatures and document workflow automation have helped thousands of FIs optimize processes across multiple functions, from risk management to deposit operations.

In these sessions, you’ll hear exactly what your peers achieved and how they did it.

Opening Keynote — "Modernize, Connect, Activate"

Speakers: Stephen Baker (CEO) & Dan Snyder (EVP Product)

The strategic framework that 4,000+ financial institutions are using to escape the Frankenbank trap. Steven breaks down why technology alone isn't transformation—and Dan unveils the 2026 product roadmap including the K-BOP platform, AI-powered analytics, and the Connections Marketplace.

Key insight: "You cannot have AI without data. The chicken definitely comes before the egg."

Watch if: You're building your 2026 technology budget and need to understand where the market is heading.

The Last Mile — Closing the Digital Loop

Panel: Legal expert Liz Caires, 53-year notary veteran Mark Aronson, Wolters Kluwer digital strategist Matt Babcock

Your digital highway still has paper off-ramps that slow everything down. This panel covers the legal framework, RON adoption (now in 48+ states), and why going fully digital isn't just about speed—it's about fraud protection and compliance.

Key insight: "In fraud cases with RON, the recording was the instrumental evidence. You can't get that with paper notarization."

Watch if: You're still printing and shipping documents somewhere in your lending workflow.

The Keys to In-Branch Efficiency

Panel: Anna DeLeon from CapEd Credit Union, Austin Cain from TruWest Credit Union

65% of consumers still say branches are key to choosing their FI. But 58% of branch visits don't even start with a greeting. This session shows how cash automation transforms tellers from transaction processors into relationship builders.

Key insight: "If we asked any of our staff if they'd go back to a cash drawer, they would probably quit before saying yes."

Watch if: Your tellers are still heads-down counting bills instead of eyes-up having conversations.

The Art of E-Signatures — Workflows That Actually Work

Panel: Heather Denault from Denison State Bank and Eric Soya from United Bank

Most e-signature solutions stop at the signature. But what about everything that happens before and after? Two institutions share how they've automated back-office workflows that used to eat up hours of manual work.

Key insight: "We had loans not getting funded because nobody knew they'd been signed. That's not a good look when customers agree to go into debt with you and you don't give them their money."

Watch if: Documents are still getting lost on someone's desk or in an email inbox.

Data Intelligence Breakthrough

Speakers: Gordon Flammer (SVP Data Activation), Dr. David Flammer (Physics PhD, AI Expert), Eric Epifanio (Director of Product)

Three customers tell their real stories of transformation. Plus the technical deep-dive on how AI-powered analytics turn scattered data into strategic action.

Customer testimonials: Angie Crosby (Launch CU), Alan Brunner (PSECU), Adrian Rodriguez (American Heritage CU)

Key insight: "We automated incentive tracking and freed up 480 hours per year, letting management focus on coaching instead of spreadsheets." — Launch CU

Watch if: Your data is sitting in dozens of different systems and nobody can access it to get answers to their questions.

The Connected Institution — From Legacy to Agility

Panel: Elizabeth Osborne from Great Lakes CU, Joe Guidry from Union Square CU, and David Whitcomb (Kinective)

The enterprise gateway approach to fintech integration. Instead of building one-off connections that take 12+ months, learn how these institutions connect new solutions in days—and why they're asking vendors "Do you connect to our middleware?" before anything else.

Key insight: “You have to make sure you’re choosing a partner with a solution that fits into your long-term strategy.” -Great Lakes CU

Watch if: Every new fintech integration feels like reinventing the wheel.

The Gen Z API — Engineering Trust

Speaker: James White, Principal Strategist, Engage FI

21 million Americans will turn 18 in the next two years. They've never known banking without instant access. This session reframes "trust" from an emotional relationship to an engineered system—because Gen Z doesn't ask "who do I trust," they ask "what works?"

Key insight: "We're not competing with other banks. We're competing with every other flawless experience they've ever had."

Watch if: You're worried about the next generation and how your institution will stay relevant.