Immediately’s monetary panorama is steered by rising client expectations, requiring banks to seek for methods to ship extra personalised, actionable steering to their clients. Whereas fintech has at all times mentioned monetary wellness, it isn’t at all times straightforward to ship it in a method that’s embedded, intuitive, and with low friction. The banks that may take the lead within the buyer journey in 2026 are those that may flip advanced monetary selections into easy, interactive experiences that assist customers perceive their choices in actual time.
Immediately, we’re highlighting a dialog with Chase Neinken, CRO and co-founder of Chimney, which affords banks personalised instruments to assist them enhance the shopper expertise and finally enhance their monetary wellness. Recorded at FinovateFall 2025, this interview options Neinken’s ideas on how banks can use interactive instruments to deepen engagement, enhance 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 few of the intelligence instruments which can be popping out, is that the winners are going to separate themselves by shifting from the applying 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 make the most of all the accountholder knowledge that you’ve inside your present techniques, not counting on third events to do 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 method.
As a co-founder of Chimney, Chase Neinken brings a business mindset formed by years of working with banks and fintechs to resolve actual client ache factors. Neinken’s focus is on remodeling static, outdated digital banking experiences into dynamic instruments that information customers towards monetary wellness.
Based in 2021, Chimney helps banks change the function 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 comparable to mortgage affordability and home-equity planning. For monetary establishments, the New York-based firm affords a plug-and-play solution to enhance engagement, construct belief, and drive conversions with out overhauling their core.
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