At this time’s monetary panorama is steered by rising shopper expectations, requiring banks to seek for methods to ship extra personalised, actionable steering to their prospects. Whereas fintech has at all times mentioned monetary wellness, it isn’t at all times straightforward to ship it in a means that’s embedded, intuitive, and with low friction. The banks that can take the lead within the buyer journey in 2026 are those that can flip advanced monetary selections into easy, interactive experiences that assist customers perceive their choices in actual time.
At this time, we’re highlighting a dialog with Chase Neinken, CRO and co-founder of Chimney, which presents banks personalised instruments to assist them enhance the shopper expertise and in the end enhance their monetary wellness. Recorded at FinovateFall 2025, this interview options Neinken’s ideas on how banks can use interactive instruments to deepen engagement, improve transparency, and empower shoppers to make smarter monetary selections inside their trusted banking channels.
However I feel over the following few years, what you’re going to see, particularly with AI and automation and a number of the intelligence instruments which can be popping out, is that the winners are going to separate themselves by transferring from the appliance layer to the infrastructure layer. So proudly owning that knowledge and having the ability and ready to take benefit and act on it. So [consider] the way you reap the benefits of the entire accountholder knowledge that you’ve got inside your present programs, not counting on third events to try this, after which analyze that knowledge, act on that knowledge, and provides that to the accountholders in a really handy expertise that helps your groups be extra environment friendly and helps you develop the stability sheet in a significant means.
As a co-founder of Chimney, Chase Neinken brings a industrial mindset formed by years of working with banks and fintechs to resolve actual shopper ache factors. Neinken’s focus is on reworking static, outdated digital banking experiences into dynamic instruments that information customers towards monetary wellness.
Based in 2021, Chimney helps banks change the position they play in shoppers’ monetary lives by offering interactive monetary instruments that energy extra personalised, data-driven experiences throughout the banks’ present channels. Chimney’s instruments assist customers discover eventualities resembling mortgage affordability and home-equity planning. For monetary establishments, the New York-based firm presents a plug-and-play method to improve engagement, construct belief, and drive conversions with out overhauling their core.
Photograph by Towfiqu barbhuiya
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