We believe community banks deserve enterprise-grade AI — built on their terms.
SmarterFI exists to ensure that community banks — the institutions that serve Main Street America — have access to the same caliber of AI capabilities as the largest financial institutions.
We believe this requires a fundamentally different approach: purpose-built technology, strong governance, shared economics, and a collaborative community of peers who learn and grow together.
Our platform is not a generic AI tool adapted for banking. It is built from the ground up for the specific needs, constraints, and opportunities of community institutions.
Community banks deserve the same caliber of AI as the largest institutions — on their own terms.
Jamie brings deep experience at the intersection of banking and technology. Previously serving as President & Chief Digital Officer at BM Technologies, he led the transformation of digital banking capabilities for community institutions. His unique perspective — combining executive banking leadership with hands-on technology innovation — drives SmarterFI’s mission to deliver practical, governed AI to community banks.
Founder, Chairman
Jay is one of the banking industry’s most accomplished entrepreneurs, with a career spanning more than four decades of building and transforming financial institutions. As CEO of Sovereign Bank, he helped build a small community bank into a Fortune 500 company and one of the nation’s largest financial institutions. He later founded Customers Bank, once again building a highly successful, technology-forward bank from the ground up.
He brings this rare combination of banking, entrepreneurship, and transformation experience to SmarterFI, helping community banks harness AI to compete and thrive in the next era of financial services.
Founder & CEO
Luvleen founded and led BM Technologies for over a decade, building it into a leading digital banking and Banking-as-a-Service platform, taking the company public, and ultimately through its acquisition by First Carolina Bank. A recognized financial services entrepreneur and business leader, she has deep experience building, scaling, and transforming businesses at the intersection of banking and technology.
She brings that same operator and innovation mindset to SmarterFI, helping community banks modernize, compete, and thrive in an AI-driven future.
Founder
Dalton brings decades of experience in community banking, financial technology and entrepreneurship. He founded and served as CEO of MainStreet Technologies, building it into a leading provider of risk-management solutions for financial institutions before its acquisition in 2018. As a member of the Customers Bank Board of Directors, Dalton brings a bank-level perspective to SmarterFI’s mission of helping community institutions adopt AI strategically, responsibly and effectively.
We’d love to learn about your institution and discuss how SmarterFI can help.
