Banking CIO Outlook

Banking CIOOutlook: Specials Magazine

REPAY [NASDAQ: RPAY]: Turning Vendor Payments into a More Efficient Financial Process

REPAY [NASDAQ: RPAY]

Turning Vendor Payments into a More Efficient Financial Process

Vendor payments can become a significant administrative burden when finance teams rely on paper checks and disconnected approval processes. Printing checks, coordinating signatures and tracking payment status consume time that could otherwise be used for financial management. REPAY [NASDAQ: RPAY] offers an integrated payment automation model that helps businesses modernize disbursements without replacing their existing accounting infrastructure. Its TOTALPAY platform combines electronic payment execution with automated workflows and dedicated vendor support. By connecting payment activities with established financial systems, REPAY helps organizations reduce manual intervention while maintaining control over how funds reach suppliers. Replacing Manual Payments with Integrated Automation REPAY approaches vendor payment automation as an extension of an organization's existing accounts payable function. Rather than requiring businesses to abandon familiar accounting processes, it integrates payment capabilities with their ERP or accounting software. This allows finance teams to modernize payment execution while retaining established financial oversight.

Digital Magazine

REPAY (NASDAQ: RPAY): Turning Vendor Payments Into A More Efficient Financial Process

KYC

For many financial institutions, managing client onboarding and compliance has become a complicated exercise involving multiple technologies, disconnected workflows, and constant adjustments. Over time, organizations have added specialized tools to address individual needs such as risk assessment, sanctions screening, document collection, and customer communication. While these solutions may solve specific problems, they often create another challenge: keeping everything connected. AML Partners entered this environment with a different approach. Through its AI powered RegTechONE platform, the company helps financial institutions bring client lifecycle management (CLM), KYC, risk management, AI Agents and compliance operations into a configurable environment designed to adapt as business and regulatory requirements change. The company’s no-code architecture allows institutions to adjust workflows and processes without depending on lengthy software development cycles.

Digital Lending Platform

Cryptocurrency Payment Process in Retail - Transition to "A New Normal"

Dalibor Sović, Director of E-commerce, Konzum

FinTech

How to Make Innovation Meaningful Again

Jimmy Stead, Chief Consumer Banking and Technology Officer, Frost.

Payment and Card

Human-Centered Banking for Stronger Local Economic Resilience

Stephanie McClendon, Chief of Community Banking, First Federal Bank

Lending & Mortgage

Shaping Customer Experience at Scale

Allison Landers, Chief Experience Officer (CXO), Banking & Lending, UBS [NYSE: UBS]

Retail Banking

Banking is Still a Relationship Business

Chrystal Tschudy, VP of Retail Banking, Nicolet National Bank

IN MY OPINION

Cloud Banking

Building Banking Around People

Carie Kelly, SVP, Digital Banking, Claremont Savings Bank

LAST WORD

Payment and Card

From Human Change to Digital Transformation Success

Scott Blake, SVP & CIO, Bangor Savings Bank

IN FOCUS

Transforming Client Operations through Smart No-Code Platforms

Smart no-code CLM software connects client data, workflows, automation, and insights to improve efficiency, consistency, and scalable relationship management.

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Transforming Finances: Embracing Vendor Payment Automation

Vendor payment automation streamlines accounts payable, strengthens financial controls, improves cash flow visibility, and supports reliable supplier relationships.

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EDITORIAL

Advancing Banking through Automation

Banking technology must support more efficient processes while preserving the accuracy, accountability and client experience that financial institutions depend on. This issue of Banking CIO Outlook examines these priorities through payment automation, client lifecycle management and the perspectives of banking leaders.

Leading the issue is REPAY (NASDAQ: RPAY) , recognized as Top Vendor Payment Automation Solutions 2026. Vendor payments are a crucial aspect of monetary transactions and demand that organizations handle the process of payment in an accurate manner. The need for automation technology arises from the fact that there is need to minimize manual effort and make the process of payments easier. The recognition of REPAY shows how important it is to have the technology.

The Company of the Year distinction goes to AML Partners, recognized for Smart No-code Client Lifecycle Management (CLM) Software of the Year 2026. Client Lifecycle Management is vital for managing relationships and corresponding processes within the organization by financial organizations. Acknowledgment of the Smart no-code philosophy helps highlight software meant to assist in the client lifecycle management process but does not completely require traditional coding. It further highlights the need for platforms to help the institution deal with changes in the process.

The issue also features articles from Chrystal Tschudy, VP Retail Banking at Nicolet National Bank, Allison Landers, Chief Experience Officer (CXO), Banking & Lending at UBS, Their contributions bring leadership perspectives from retail banking, customer experience and banking operations, adding practitioner insight to the technology and process themes explored in this issue.

Together, these stories highlight how financial institutions can approach modernization through focused technology and informed leadership. Explore the issue to learn more about the recognized solutions and the perspectives shaping banking’s continued evolution.