Digital banking is table stakes. Intelligent Banking is the new game.

Candescent Chief Product Officer Gareth Gaston tells The Credit Union Connection that digital banking has entered a third era, Intelligent Banking, where the app doesn't just work well, it knows the member and helps before they ask.

Digital banking evolved from functions and features to experience, Gaston argues, and is now moving to intelligence: apps that summarize what's happening in a member's financial life, surface actionable insights and offer a conversational assistant that understands context. For credit unions, this is a chance to bring the personal feel of the branch into the digital channel.