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Q: What’s special about the way you work with clients? What unique strengths set you apart and add to the Kony DBX brand?

A: I have three values that really guide how I interact and work with people:

  • Empathy: I deeply care about people I work with and look to understand what is going on in their lives, what experiences have shaped who they are and how they behave, what motivates them and how best to engage with them. 
  • Transparency: Being German, I can’t help myself being honest, direct and at times challenging. Clients appreciate the candor and realize I have their best interest at heart.
  • Efficiency: I constantly seek optimization and look for ways to ensure people’s time, money and effort are put to good use.

Janina's favorite quote:
He who fights, can lose. He who doesn't fight, has already lost. 

—Bertolt Brecht

Q: Describe how work gets done at Kony —and why it matters to customers.

A: I think there is a sense of curiosity and openness to listen to new ideas.  That curiosity drives a desire to always make the current experience better, to not rest on your laurels, to push boundaries. For customers that translates into an ever-evolving product and service offering that allows them to keep a competitive edge.

Q: With your level of expertise, you could work almost anywhere. What draws you to Kony DBX – and not anywhere else?

A: I strongly believe that creating a more competitive financial market that allows smaller organizations to compete with the big behemoths brings value to society. I love that Kony is focusing on that segment. Having had the opportunity to work with banks who are driven by delivering value to their customers/members is rewarding and fulfilling.

Q: What’s your advice to someone looking for a partner in their digital banking transformation? What core attributes should they seek – and what potholes should they avoid?

A: If I was choosing a digital banking partner I would ask myself the following questions:

  • Are we conceptually aligned about the future of banking and what delivering an outstanding customer experience really means? 
  • Do they have regular releases with new features or are they slowly releasing minor enhancements?
  • How flexible is the platform? Am I able to configure and customize to ensure I deliver a product that fits my business needs?
  • What is their partnering strategy? How many integrations to other 3rd parties are available? Can I easily integrate to partners that aren’t on the platform yet?
  • Do they have experience working with an organization like myself? 
  • How do they interact? Am I treated like a client or like a true partner?

Q: Where do you see digital banking taking us in the next five years? What should people be preparing for now that is yet to come?

A: I believe the end of mass designed products is nigh. Since working in banking (over a decade), I have struggled to understand why every customer’s banking app looks the same, rather than being personalized based on the user’s preferences and context. Personalization based on how I manage my money is lacking. Today personalization is showing me a picture on the login screen based on my location. As a consumer I want more; I want my bank to predict my next move based on my previous interactions. I want it to prompt me to explore the features I don’t use, but really should...But, that’s not all, I also expect personal service. I want to be able to choose a banker that has specialized knowledge based on my personal circumstances – where I live, my career, my hobbies. I want my banker to provide me with highly targeted advice, create action plans based on my goals and coach me to financial success. It’s about creating a personalized AND personal experience. Most banks have focused on the former, very few on the latter.

The Kony DBXpert Profile Series introduces you to our team and provides insight into how we think and work. See Janina Lieser’s complete work history on LinkedIn by clicking here.

Kony Digital Banking Platform

Despite significant investment, most institutions don't have the control, flexibility or scale they need to compete and grow.

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CUNA Governmental Affairs Conference

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