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James White

James White is a seasoned financial services strategist with over 25 years of experience in banking technology, CRM, and fintech innovation. At EngageFI, he leads consulting engagements that help financial institutions modernize their strategies, deploy AI solutions, and drive growth through smarter engagement. James previously held executive roles at Raddon and Total Expert, where he built high-performing teams and helped banks and credit unions turn data into actionable strategy. His insights have been featured in The Financial Brand, American Banker, Credit Union Times, and BAI.

Consolidation Wave

12 min read

The Consolidation Wave Banking and Credit Union Boards Are Ignoring

Picture of James White James White: 1/22/26 2:33 PM

Key Takeaways from this Blog:

Strategy Strategic Planning M&A
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Charter Rush

11 min read

The Charter Rush Nobody's Talking About

Picture of James White James White: 1/15/26 2:28 PM

Key Takeaways from This Blog:

Technology Strategy
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Compliance and Risk

7 min read

The $298 Billion Lesson Banks Keep Ignoring

Picture of James White James White: 12/29/25 1:06 PM

Key Takeaways from This Blog:

Technology Strategy Compliance
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Data Image

7 min read

The $10 Billion Question: Why Most Banks Are Sitting on a Data Gold Mine They Can't Spend

Picture of James White James White: 12/23/25 9:00 AM

Key Takeaways from This Blog:

Data Strategy Personalization
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AI in Banking

4 min read

AI-Native Banking Isn't Coming in 2026. It's Already Here.

Picture of James White James White: 12/12/25 11:39 AM

Financial institutions keep talking about "adding AI" to their operations. Installing chatbots. Deploying fraud detection models. Automating...

Technology Strategy AI
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AI Agent Admin

3 min read

AI Isn’t One and Done: Banks Need an Agent Admin Before They Need Another Model

Picture of James White James White: 11/20/25 1:17 PM

Key Takeaways From This Blog: AI isn’t static software, it learns, drifts, and changes over time. Treating it like a plug-and-play tool is a mistake....

Technology Strategy AI
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Amaras law

3 min read

Amara’s Law and the Fear That Stalls Banking’s Future

Picture of James White James White: 10/30/25 10:08 AM

Key Takeaways From This Blog: Each wave of innovation, online banking, mobile, now AI, follows the same cycle: hype, hesitation, and eventual...

Strategy Strategic Planning
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AI Wallet

1 min read

AI Agents Just Got a Wallet: What That Means for Banks and Credit Unions

Picture of James White James White: 10/10/25 11:21 AM

Google, Mastercard, PayPal, American Express, and Coinbase quietly changed the script last week. They rolled out theAgent Payments Protocol, which...

Strategy Communications AI
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2 min read

From Data Chaos to Clarity: How AI Makes CRM Worth Driving

Picture of James White James White: 9/23/25 3:10 PM

Key Takeaways From This Blog: Despite billions invested in CRM platforms, most banks and credit unions still struggle with fragmented, unreliable...

Data Strategy CRM
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1 min read

CRM Shouldn't Be a Four-Letter Word

Picture of James White James White: 8/27/25 10:25 AM

CRM was pitched as the brain of modern banking. Instead, it became a bloated filing cabinet that is expensive, unloved, overfed with bad data, and...

Technology Strategy CRM
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