I am excited to be joined by Smart Financial Credit Union's CIO, Marcus Manning, on the FIsionaries podcast. Marcus was just named Futurist CIO by Houston CIO Community for his foresight into how to leverage AI as a way financial services are both delivered and perceived by consumers.Just as importantly, Marcus works tirelessly to build a culture at Smart Financial that will make the credit union more future-ready. His belief is that people, process, and technology are the three pillars to success.In this episode, we will discuss how these pillars support more than just better banking, but also offering a richer user experience, bolstered security, an improved employee experience and a path to growth.