How Capital Credit Union Uses AI in Marketing: From Strategy to Adoption

How LMCU Cut a 150-Step Process to 15 with AI

Ankur Patel interviews Chris Ortega, who leads technology transformation at Lake Michigan Credit Union; a $17B asset institution and the 13th largest credit union in the US.What's distinct about Chris's approach is that he restructures how the organization operates before deploying the tools - agile teams, a Center of Excellence, and a single Emerging Technology Governance Board that owns AI, RPA, and stablecoin. The episode covers how that structure was built, where RPA vs. agentic AI is the right call, and the cost discipline that keeps emerging tech from running away from the institution.Guest: Chris Ortega, CIO, Lake Michigan Credit UnionHost: Ankur Patel, CEO & Founder, Multimodal0:00 Introduction: Meet Chris Ortega0:32 Stabilizing the IT landscape at LMCU1:40 Inside a top credit union3:23 Building conviction for transformation5:20 The Center of Excellence and the three C's7:43 What surprised him about emerging tech9:31 Where traditional project management falls short11:25 Why agile fits today's pace14:06 One committee for AI, stablecoin, and whatever comes next15:53 From planning to execution to ROI18:33 Closing the gap between business and engineering22:09 Building trust through real back-and-forth24:35 Why remote teams are an asset, done right26:44 What smaller credit unions can take away29:20 Pick your tech, then match your partners to it33:25 Where agentic AI is showing up35:45 The HUMDA win: 150 steps cut to 1536:56 Mortgage, the call center, fraud, and audit38:51 The token-bill trap40:46 RPA vs. agentic AI44:13 AI bootcamps, lunch and learns, and Co-Pilot48:42 Star Trek, not Terminator

UKFCU's Change Agenda: New Mortgage Dept, Zest AI, First Merger

Ankur Patel interviews Lisa Highley, Chief Lending Officer at University of Kentucky Federal Credit Union (UKFCU). They chat about the credit union's new mortgage department, a rebuilt commercial lending operation, Zest AI live in consumer lending, GLIA live in the call center, and the institution's first merger.Guest: Lisa Highley, Chief Lending Officer, University of Kentucky FCUHost: Ankur Patel, CEO & Founder, Multimodal0:00 Introduction: Meet Lisa Highley1:03 UKFCU at $1.75B and the full lending portfolio2:30 Why the change agenda4:01 Diversifying out of indirect auto and home equity dependence5:46 Branch referrals driving the new mortgage department7:05 Build vs. buy9:04 What Empower automates in mortgage origination13:02 Document review pain still left for AI to solve17:13 How many hours a mortgage file still takes today18:27 Staying competitive in indirect auto22:00 Where software actually helps24:52 Why same-day funding matters to dealers25:57 Zest AI rollout, year-one goals, six-month review29:04 How UKFCU decides what Zest can auto-approve32:11 GLIA on day two33:30 Reducing after-hours call support by 70%34:30 Voluntary staff repurposing, not layoffs35:43 The case for AI close to the member37:03 Lessons from UKFCU's first merger40:17 Two-to-three-year vision

How Capital Credit Union Uses AI in Marketing: From Strategy to Adoption

Ankur talks with Steve Zich, Chief Marketing Officer at Capital Credit Union in Green Bay, Wisconsin, about an operator's playbook on deploying AI in the marketing department.The conversation goes deep on personalization done right (vs. creepy), competing with big banks and fintechs on community rather than spend, and the team-level mindset shift that makes AI adoption stick.Guest: Steve Zich, Chief Marketing Officer, Capital Credit UnionHost: Ankur Patel, CEO & Founder, Multimodal00:00 Intro00:38 What a credit union marketing operation actually owns01:34 Filtering AI signal from marketing theater — Steve's three filters05:06 Differentiating brand voice in a world driven by AI07:56 Rolling out Jasper12:56 Measuring ROI14:29 Content cannibalization16:45 What good personalization actually feels like21:49 Personal vs. creepy — drawing the line in member outreach24:34 Competing with big banks and fintechs on community + data33:17 The fear narrative around AI38:57 Why generations are shrinking40:23 Wrap#CreditUnion #CommunityBanking #AI #FinancialServices #Marketing #AIStrategy #CMO #DigitalTransformation #MainStreetAI #Multimodal

How Wescom Lifted First Contact Resolution by 34% with Copilot

Ankur Patel interviews Hashim Forrester, SVP of Remote Service Delivery at Wescom Financial — one of the largest credit unions in Southern California.Hashim brings three decades of operations and service delivery experience, and his team has become the trailblazers for AI adoption at Wescom — running Copilot in production, deploying intelligent virtual assistants on the phone system, and building out AI-driven quality assurance.Guest: Hashim Forrester, SVP of Remote Service Delivery, Wescom FinancialHost: Ankur Patel, CEO & Founder, Multimodal0:00 Introduction: Meet Hashim Forrester1:02 Inside Wescom's remote service delivery1:54 From single-channel to omnichannel banking3:52 Volume across channels: 1M+ inbound calls5:01 The Anywhere Branch7:46 Omnichannel's knowledge problem10:56 Rolling out Copilot14:54 Why the first Copilot launch failed17:25 Where Copilot ends and member data begins20:46 Three years of intelligent virtual assistants24:46 Moving QA from random sampling to 100% coverage27:48 Prioritizing AI use cases: member-first, not tech-first30:06 Build vs. buy35:27 Driving real ROI39:04 Closing the AI adoption gap44:06 The future: agentic AI, but with humans in the driver's seat

How a Credit Union CIO Picks Vendors in the AI Era

Ankur Patel interviews Jeffrey Staw, Chief Information and Innovation Officer at Firefighters First Credit Union. Firefighters First has one of the most unique membership models in the industry, serving career firefighters and their families exclusively. Jeffrey brings a rare dual perspective, having previously led one of the most influential CUSOs in the country doing large-scale technology work for some of the biggest credit unions in the US.Guest: Jeffrey Staw, Chief Information and Innovation Officer, Firefighters First Credit UnionHost: Ankur Patel, CEO & Founder, Multimodal0:00 Introduction: Meet Jeffrey Staw1:01 Inside the firefighters-only membership model3:27 Specialty products for a specialty membership10:23 High tech + high touch at national scale14:25 Best-of-breed vs. single-vendor20:07 Why he says no to AI-first vendor pitches24:27 Deploying Copilot across the org28:02 Closing the AI adoption gap with frontline employees33:37 What RPA can teach us about the agentic wave39:29 The data exfiltration risk everyone's forgetting42:03 Adapting AI to non-technical executives44:40 Lessons from the CUSO world46:54 The 5-year vision