This episode of Insights features host Jim Rieniets from INSBANK interviewing Kim Snyder from KlariVis and Al Dominick from Cornerstone Advisors about the evolving landscape of community banking. The conversation explores how both guests became change agents in the industry, with Kim’s journey from CPA to community banker to founding a data analytics company, and Al’s path from bank director to consulting. They discuss the critical importance of data foundations for community banks, the current state of AI adoption in banking, and emerging threats like cryptocurrency and stablecoins. The guests emphasize that community banks must embrace technology and find their niches to remain competitive, while maintaining their crucial role in supporting local businesses and entrepreneurs. Key themes include the need for banks to start their digital transformation journey despite imperfect data, the importance of asking vendors about their R&D investments, and practical advice for leaders on embracing uncomfortable learning experiences and making decisive pivots when strategies aren’t working.