In this Design for Digital Takeover of the Filene Fill-In, host Jerry Kane talks with Sumeet Grover, EVP and Chief Strategic Growth and Digital Officer at University Federal Credit Union (UFCU), about leading digital transformation in a member-centric organization. Sumeet shares how breaking silos, rethinking the operating model, and embedding digital as a business discipline—not just a project—are key to sustained growth. He explains why frictionless beats flashy, how personalization builds trust, and why branches still matter in a digital-first world. The conversation also explores AI’s real potential versus its hype, and how agility and trust can coexist in regulated environments. Listeners will come away with practical insights into designing for digital as an enterprise habit, not a headline.