XpertSavers: Making Community Banks Digital-First

Founded in 2018, XpertSavers helps community banks transition to a digital-first future. Created by banking and technology leaders, the firm combines execution expertise with AI-driven intelligence to deliver end-to-end digital transformation for institutions with assets between $3 billion and $20 billion.

The idea emerged when CTO Mihir Shah and CEO Jennifer Armstrong identified a critical market gap. Regional and community banks face constant pressure from national players and fintech challengers, yet many institutions remain constrained by outdated platforms, fragmented vendors, and traditional marketing models.

XpertSavers addresses these challenges with seamless onboarding, modernized digital channels, and measurable growth—transforming banks without compromising their service-first ethos.

From Strategy to Execution—XpertSavers Provides an Enhanced End-to-End Digital Experience

XpertSavers’ approach ensures digital transformation reflects each bank’s market position and competitive landscape:
• Discovery & Roadmap: Deep diagnostics aligned with growth objectives.
• Implementation: Scalable, secure environments integrating fintech partners, internet channels, and legacy system modernization.
• Digital Growth: Targeted campaigns, real-time analytics, and audience segmentation convert digital engagement into core deposits and long-term loyalty.

Real-World Impact

• Flushing Bank: Achieved a 25 percent increase in internet customers by upgrading internet branch application and mobile tools. The upgrades streamlined customer interactions, extended service beyond branch networks, and created new revenue streams while strengthening existing relationships.
• Rising Bank: Realized a 30 percent deposit growth, reduced marketing costs by 40 percent, and maintained high customer satisfaction. This demonstrates how digital initiatives can deliver substantial growth, improve efficiency, and build sustainable competitive advantages.

Gleam: Turning Data into Deposits — The Future of Digital Banking

At the core of XpertSavers’ vision is Gleam, our proprietary AI platform that will transform how community banks grow. By integrating data from core systems, CRM tools, and digital channels, Gleam delivers real-time analytics and prescriptive recommendations to help banks:
• Track marketing spends versus deposit growth in real time.
• Identify high-impact opportunities before competitors.
• Scale efficiently with predictive, personalized strategies tailored to every customer.

For banks just beginning their digital journey, Gleam will provide clarity and control, showing exactly where marketing investments will generate measurable returns. For advanced institutions, it converts raw data into actionable intelligence, accelerating sustainable growth and enabling smarter, faster decision-making.

With Gleam, banks can future-proof their digital strategy, expand deposits, optimize customer experiences, and unlock new revenue streams—all while positioning themselves as innovative leaders in a rapidly evolving financial landscape.

The Future of Community Banking

“We asked whether community banks could be leaders in digital finance. With XpertSavers, the answer is yes. We will empower them with AI-driven personalization, seamless onboarding, and execution that drives measurable progress,” says Armstrong.

XpertSavers empowers community banks to compete nationally by building new digital brands or enhancing existing ones. Through ongoing investments in predictive analytics and hyper-personalized outreach, the company helps banks shift from branch-first models to scalable, data-driven, and sustainable growth strategies.

Whether building entirely new digital brands or strengthening existing community institutions, XpertSavers delivers flexible, comprehensive solutions with tangible outcomes, offering both an innovative vision of future possibilities and the proven execution capabilities that make digital success achievable.