In this episode, we chat with our colleague, Josh Herman. Josh is a Director in our Digital Assets Advisory team and works with our clients to prepare their institutions for the future of banking. He brings a unique perspective as a former NCUA examiner and credit union insider (having led strategy initiatives at Frankenmuth Credit Union in Michigan). We discuss several topics in this one, including the shifting role of credit unions and community banks, Josh's experience weighing risk and reward scenarios in the context of innovation, the continued evolution of data analytics in banking, and much more. Enjoy this conversation with Josh!