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October 07.2025
2 Minutes Read

How Stephen Jones Uses AI to Transform Digital Banking at VyStar

Executive discussing AI in digital banking at a fintech event.

From Technology Fair to Leading FinTech Innovator

Stephen Jones's journey into the world of financial services wasn't just a result of ambition but serendipity. While attending a technology career fair at the University of Missouri, a chance encounter with a banking representative changed the trajectory of his career. “It was a bit of luck, but also someone being intentional,” he recalled. This pivotal conversation led to an internship that spiraled into a full-fledged career as the Senior Vice President of Digital Development and Experience at VyStar Credit Union.

Embedding AI for Smarter Banking

At VyStar, which serves over one million members across Florida and Georgia, Jones has been at the forefront of integrating artificial intelligence into digital banking workflows. By embedding AI into the developer environment, VyStar is able to enhance coding workflows that significantly improve the speed and quality of their digital services. “Integrating tools directly within our development environment allows for smarter and faster solutions, aligning with our mission to ‘do good’ for our members,” states Jones.

The Shift Towards Personalized Banking Experiences

Today's consumers demand more than basic banking services. VyStar is responding to increasing customer expectations by creating personalized experiences via its mobile and online platforms. Jones explains, “Gone are the days of simply checking balances or seeing if paychecks cleared. Our members want insights into their financial patterns and proactive, customized suggestions.”

Ongoing Commitment to Community and Education

As a credit union rooted in community values, VyStar also focuses on investing back into the local area. The institution is dedicated to offering educational resources and partner support for coding and technology skills. Initiatives such as collaboration with community groups aim to nurture future talents in the financial tech space while embedding security compliance from the outset in all new developments.

Jones’s journey exemplifies how a fortuitous moment can lead to significant advancements in the financial technology landscape, demonstrating the value of innovation rooted in community-centric principles. As VyStar continues to leverage technology to enhance member experiences, it sets a precedent for credit unions everywhere, proving that they too can thrive in a digital-first economy.

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