Host Amber Buker, Chief Research Officer at Travillian, sits down with Rick Geloff, EVP of Bank of North Dakota, to discuss how the only state-owned bank in the U.S. is tackling fintech disruption head-on.Geloff’s role was created to focus on strategic initiatives, including stablecoin, embedded finance, and deposit diversification, all while supporting North Dakota’s community banks. From building a culture of innovation to preparing boards for risk discussions, this conversation offers bankers practical takeaways on navigating emerging technologies without losing sight of mission and community.00:00 – 01:09 | Introduction01:09 – 03:36 | Why Innovation Matters03:36 – 05:01 | Stablecoins and New Payment Rails05:01 – 07:07 | How to Prioritize Innovations07:07 – 09:03 | Three Core Filters for Bank of North Dakota09:03 – 11:16 | Use Cases and Peer Collaboration11:16 – 13:44 | Partnerships and Board Concerns13:44 – 16:24 | Risk Mitigation and Education16:24 – 17:46 | AI and Back-Office Efficiencies17:46 – 20:18 | Leadership Journey