SVP Content Strategy
American Banker
Janet is a marketing research and strategic insights executive with extensive experience in the technology, B2B media, healthcare, financial and professional services industries. Her ability to apply a variety of research approaches to strategic business problems has resulted in the delivery of impactful, innovative research programs for a long roster for global Fortune 1000 companies. Previous to her role as VP of Research at Arizent, Janet served as the General Manager/SVP Research at IDG and the head of Market Insights for HIMSS, a nonprofit in the healthcare space. Her passion is storytelling with data, leveraging research to fuel data-driven strategic decision making and thought leadership content. She holds a B.S. degree from Alfred University, and an MBA degree from the Franklin W. Olin Graduate School of Business at Babson College.
Fraud has evolved into a cross-rail, cross-channel problem while most bank fraud programs remain organized around individual payment types. This new survey of financial institutions explores why by-rail fraud management is increasingly ineffective, how criminals exploit speed and organizational fragmentation, and how these dynamics contribute to both fraud losses and unnecessary customer friction. The research identifies the data, technology, governance, and operating model changes banks are making, or need to make, to detect fraud earlier, respond in real time, and deliver more secure, frictionless customer experiences.
Every bank in America is being told the same thing: adopt AI or get left behind. Boards are asking about it. Vendors are selling it. Regulators are watching it. But here’s what almost no one is talking about—the majority of bank AI initiatives are stalling not because of the technology, but because the data underneath isn’t ready to support it.
This session tackles the uncomfortable truth that most financial institutions face an AI readiness gap—a structural disconnect between their AI ambitions and the state of their data. Banks sit on decades of extraordinarily valuable information: loan officer notes, call recordings, transaction patterns, compliance documentation, and customer interaction histories. Digital channels are generating even more of it every day—mobile session data, chatbot transcripts, onboarding drop-off patterns, and real-time behavioral signals. Fintechs don’t have the institutional depth. Big Tech doesn’t have the regulatory context. But most banks can’t use their own data either, because it’s siloed, ungoverned, and locked in formats that modern AI tools can’t consume.
We will share a practical framework for diagnosing and closing the AI readiness gap. This is not another session about what AI can do. This is the session about what your institution needs to build first.
In recent years, there has been a rapid acceleration in efforts to transform the customer experience in banking, making it easier for customers to open accounts, deposit money, make payments and verify information. At the same time, banks face increasing fraud risks, placing an emphasis to mitigate that risk at the center of any customer experience initiatives. In this session, American Banker research lead and industry panelists explore the best practices that banks and credit unions are adopting to manage and mitigate fraud risks, specifically looking at the tools and technologies used to verify and authenticate customer identity to ensure secure, low friction experiences across all channels.