SRM Fintech Podcast Hosts Pocketnest

Tune in for a conversation on transforming financial wellness with behavioral science and AI

SRM, the global payments, sourcing, strategy, and technology advisory firm serving banks, credit unions, and fintechs, recently hosted Pocketnest CEO and Founder Jessica Willis on its podcast, SRM Perspectives Live.

As traditional financial institutions work to remain relevant and trusted in a rapidly changing digital landscape, Pocketnest stands out as a mission-driven fintech that’s helping them modernize how they engage and support consumers, especially Millennials and Gen X.

Pocketnest exists solely to spread financial wellness to the masses. So, naturally, this episode explores the powerful intersection of behavioral science, AI, and the future of financial wellness.

Purpose-Driven Fintech with AI-Powered Personalization

Pocketnest was born out of a noticeable gap in the market: Millennials and Gen X-ers were not receiving the financial education or guidance they needed in a format that resonated with them.

That disconnect sparked the idea for Pocketnest—a platform built to empower users with personalized, actionable advice, right from their devices.

Artificial intelligence and behavioral science play critical roles in delivering personalized experiences at scale, so it's no surprise that both are at the core of the Pocketnest platform. Instead of offering generic advice, Pocketnest builds experiences based on how people actually behave, not just on what they’re “supposed” to do.

Willis shares how Pocketnest uses behavioral data and smart integrations to deliver guidance that adapts to each user’s financial goals, needs, and life stage:

• Understand and respond to users’ financial stressors

• Tailor content and coaching to each user’s unique goals

• Adjust financial guidance in real time based on behavioral signals

• Create nudges that drive small, sustainable actions

• Help institutions understand what their users need before they ask for it

• Make guidance feel approachable, relevant, and timely

The result? Users engage more consistently, build confidence, and make smarter financial decisions—without feeling overwhelmed.

Technology That Meets People Where They Are

Built for today’s users, Pocketnest serves those who expect personalization, simplicity, and digital-first experiences.

The fintech partners with financial institutions, employee wellness programs, benefit providers, and wealth advisors to help them offer meaningful, engaging financial wellness tools—ultimately building stronger, more trusted relationships with the communities they serve.

Bridging the Trust Gap

Trust in traditional financial institutions is eroding, especially among younger generations. As consumers increasingly look to fintechs and even big tech companies for money management, banks and credit unions are under pressure to evolve.

As Millennials and Gen X-ers juggle student debt, inflation, gig economy income, and upcoming generational wealth transfers, many traditional financial institutions struggle to keep up. Pocketnest steps in with a modern, agile approach that helps users navigate these realities with confidence.

Pocketnest's role is to help traditional financial institutions like banks and credit unions modernize their engagement strategies to stay relevant, approachable, and trusted. By embedding financial wellness tools directly into digital platforms, institutions can:

• Deepen member relationships

• Boost product adoption and deposits

• Attract and retain digitally-native users

• Rebuild trust by offering meaningful, proactive guidance

  
  

Financial wellness is no longer a nice-to-have—it’s a strategic imperative.

Building Strategic Partnerships for Lasting Impact

Pocketnest helps credit unions strengthen member relationships, grow wallet share, and modernize their digital experience. By integrating personalized financial wellness tools into their platforms, credit unions and other financial institutions:

• Increase digital engagement

• Boost product adoption

• Increase cross-sell revenue opportunities

• Grow deposits

• Improve member retention

• Create meaningful interactions with younger, digitally-native members

Just ask MSU Federal Credit Union or read our Filene Case Study.

New partnerships and market expansions are underway as more institutions recognize the business impact of delivering tech-forward, relevant financial guidance.

Leading with Vision

Looking ahead, Willis envisions Pocketnest continuing to shape the future of financial education—bringing relevant, personalized guidance to even more people, right when they need it.

🎧 Tune into the full episode on SRM’s podcast to hear the full conversation.

If you’re a bank, credit union, advisor, or employer looking to enhance your financial wellness offerings, let's connect.