JAM Fintop 2025 Recap: Banks Are Building for 2026 with AI and Data

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In 2025, deregulatory signals are evident everywhere—softer oversight of third-party risk, easing regulations surrounding fintech partnerships, and a reconsideration of the Community Reinvestment Act (CRA). Legal experts at Skadden describe it as a more "bank and fintech-friendly environment," as political leadership pushes for less friction and fewer regulatory guardrails. But this trend isn't a reason to relax for the community banks we work with at iDENTIFY. It's a reason to double down on structure and visibility, especially regarding data.

When banks talk about modernization, they often focus on apps, customer experience, and product offerings. But there's data at the foundation of every conversation about growth, compliance, or partners' oversight. And for most banks, that data is stuck in silos. At the 2025 DCI Bankers Conference in Kansas City, our President, Lee, took the opportunity to engage with community bank leaders, DCI executives, and longtime operators in the space. The event wasn't about selling or speaking—it was about learning.

Consider This: a customer applies for a mortgage, and you're an underwriter pulling their account history. You see their FICO score but can't see their debit card behaviors or even their primary deposit account. You'll eventually be able to see it when gathering a report, as the data points exist, but they're stored in different datasets. You're left with an incomplete process at the will of your CORE and reconciliation process. Without a complete on-demand view of the customer's financial story, compliance teams utilize workarounds, and underwriters have partial profiles. And the customer? They wait longer for a decision. What's the real issue here? Data Silos in Banking. Hidden behind tiered pricing through on-premise systems and buried in outdated reports, legacy architecture wasn't built for the complexities of modern banking.

Modern banking has improved drastically with advancements to cloud-based infrastructure, embedded finance, and AI-driven insights. However, while the banking industry migrates to modern technology, one thing remains true- the data that drives these banking improvements remains siloed and challenging to manage. At Fintech Meetup 2025, industry leaders and emerging FinTechs came together at one of the biggest conferences of the year to discuss modern challenges and current trends. During three days of meetings, keynotes, and networking, one theme stood out to us the most: the banks that unify their data will be the ones that scale and stay ahead of regulatory changes.

Most banks are playing defense regarding compliance-- checking boxes, reactively responding to regulatory changes, and simply hoping for the best. With the FDIC issuing consent orders in the last few years - completely derailing fintech programs- we should see past the survival mindset for sponsor banking and look deeper at how we can prevent failing fintech programs. Being negligent in compliance can ultimately lead to hefty fines, exposing sensitive customer data, and overall reputation loss, and there are ways to be proactive moving forward. These questions are all acknowledged and discussed at the events hosted by the Alliance for Innovative Regulation (AIR) as our team member Ed attended their TechSprint.

The Acquire or Be Acquired (AOBA) 2025 Event, hosted by Bank Director in Phoenix, Arizona, started this year's conferences. The attendees included banking executives, industry leaders, and fintech companies. This was a key conference for iDENTIFY, as our President, Lee Easton, was also in attendance to represent the iDENTIFY brand and how our mission to unify bank data remains consistent. Engaging with other industry leaders, this event was a solid networking opportunity to engage and re-engage with our banking clients and potential prospects.

Traditional batch systems - while robust, are legacy systems that have been relied on for decades in the banking industry. While designed for older systems, these systems were created when real-time data wasn't feasible and the technological demand for consumers hadn't progressed to today's standards. Modern consumers expect real-time data, seamless experiences, and enhanced security. With iDENTIFY being a Snowflake Select Partner, our expertise with Snowflake's data lake has shown that the solution to modern banking lies within the cloud. As banks migrate their CORE data to Snowflake, here are 5 tips for a successful cloud migration.