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Anna Khalzova

CBO & Co-Founder

Business leader with 18 years embedding fintech into U.S. banks, leading 200+ integrations across products and partnerships. Deep expertise in digital banking and fintech partnerships, building lasting relationships with financial institutions across the US.

Articles by Anna (5)

2025: The Year AI Stopped Being a Pilot Project
Industry InsightsDec 22, 2025

2025: The Year AI Stopped Being a Pilot Project

JPMorgan deployed LLM Suite to 200,000 employees. 46% of accountants use AI daily. Cash App launched Moneybot. 2025 was the year AI moved from experimentation to infrastructure.

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The State of Community Banking: 2025 Edition
Industry InsightsDec 16, 2025

The State of Community Banking: 2025 Edition

58% of community banks now use e-signatures for commercial loans, 55% say their tech stacks are 'future-ready,' and cybersecurity threats keep getting worse. Here's the complete picture of where community banking stands heading into 2026.

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What 2025 Taught Me About Digital Transformation (After 18 Years in Fintech)
Industry InsightsDec 15, 2025

What 2025 Taught Me About Digital Transformation (After 18 Years in Fintech)

93% of bank digital transformations fell short in 2025. After nearly two decades in financial technology, I finally understand why—and what actually works.

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2025 Year in Review: 5 Moments That Redefined Credit Union Fintech
Industry InsightsDec 14, 2025

2025 Year in Review: 5 Moments That Redefined Credit Union Fintech

From a record-breaking $360M fintech fund to a 19% surge in CU-fintech partnerships, 2025 proved credit unions aren't just adapting to fintech—they're leading it. Here are the 5 defining moments.

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9 Credit Union Trends for 2026: Why Small Business Banking Is Your Biggest Opportunity
Industry InsightsDec 11, 2025

9 Credit Union Trends for 2026: Why Small Business Banking Is Your Biggest Opportunity

Credit unions have only 8% market share in business banking while 87% of new LLCs go to national banks. Analysis of 200+ industry sources reveals 9 trends reshaping the CU landscape—and why small business is the key to 2026.

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