Financial institutions worldwide will spend over $9 billion on digital banking solutions this year, yet more than half of these initiatives fail to meet expectations. In this episode of Behind the Vault, we explore why this happens and how community banks and credit unions can build better digital experiences through design thinking.Key topics from our conversation:Why digital transformation often falls shortHow design thinking applies to bankingCreating low-fidelity prototypes to test ideasBalancing customer needs with regulatory requirementsBuilding differentiated value in digital experiencesActionable takeaways from this episode:Building systematic customer observation practicesCreating frameworks for capturing insightsEvaluating digital initiatives against strategic differentiationPractical steps to start implementing todayWhether you're a banking executive, digital transformation leader, or technology decision-maker, this episode provides practical frameworks for making smarter technology investments that truly serve your community.For more info:Design thinking overview: Standford d.School toolkitDesign of Everyday Things: Beyond GoodIDEO Finance Services case studiesGartner survey of digital transformation

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