Jon Tvrdik, CEO, WaveCX

In 2025, we anticipate a significant shift towards post-navigation user interfaces (UIs) that embrace command-line interfaces and generative search. This trend is driven by the need to eliminate the inefficiencies of traditional navigation systems, where users often have to click through multiple menus to find what they need. Instead, AI-powered engagement tools that combine intelligent search with contextual navigation will transform how financial institutions serve their customers. Users will be able to type a simple query and receive not just an answer, but a guided action to solve their problem. This approach will make interactions seamless, personalized and efficient, ultimately enhancing the user experience.

Another key trend is the integration of generative AI into business processes to enhance efficiency and productivity. AI is being rapidly adopted to streamline workflows, eliminate unnecessary steps and provide users with fast, accurate outcomes. In banking, this means simplifying procedures and cutting through the overwhelming number of products and services to help users find the best options based on real-time insights.

Preetha Pulusani, CEO, DeepTarget

In 2025, credit unions will focus on digital transformation. But that has been an industry buzz phrase for more than a decade, so what are we talking about? The key difference: going beyond digitizing existing processes to fundamentally reimagining how financial services can proactively serve and empower members through intelligent, predictive, interconnected technologies. Thus, 2025's digital transformation is characterized by hyper-personalization powered by AI and machine learning, predictive member experience shaped by advanced analytics and seamless omnichannel integration creating fluid experiences across all touchpoints where a member's journey will feel continuous and intuitive, regardless of the interaction channel.

Steve Reider, President, Bancography

Bancography anticipates continued interest in the purchase of commercial banks, and regulatory and legislative battles over the legality of such transactions.  Interestingly, expect some odd divergence in positions.  State bankers’ associations and other lobbying groups will continue to oppose credit union purchases of banks, but individual community bank owners seeking to cash out, or facing uncertain succession options, will favor keeping credit union – bank deals legal, as this expands the pool of potential buyers for their banks, espec...