 I'm Stu Miniman with theCUBE and we're here at the Winslow Technology Group, Dell EMC user group and happy to have another user here at the event, Wayne Dunn, who's the SVP and CTO of Harbor One Bank. Wayne, thanks so much for joining me. Happy to be here. All right, Wayne, tell us a little bit about Harbor One Bank, your role there, how long you've been there, what you work on? Sure, Harbor One Bank is the largest state-shotted cooperative bank in New England. I've been there about 10 years and in my role as Senior Vice President and Chief Technology Officer, I'm responsible for all of the on-premise technology as well as managing our hosted solutions that provide services to our customers. Yeah, I think back, I'm not a native New Englander but when I moved up here, all the banks I belonged to eventually got merged into like mega banks and things like that, so I talked about years. We actually started as a credit union. We're almost 100 years old, actually. We started as Brockton Credit Union and became Harbor One Credit Union and then back three years ago, we became a bank and now we're actually publicly traded on the NASDAQ. That happened a couple of years ago. Well, congratulations, that's excellent. So, financial industry under compliance issues, security is a major concern. You've been there 10 years, give us a little look back. What do you think about what you do today versus even five years ago? Sure, I mean, going back five years ago, the main mission was really just to deliver those services to our customer. Co-security was already a big part of what we did in terms of protecting customer information but given what's happening in the cybersecurity realm these days, it's become a full-time job just focusing on cybersecurity alone and information security. It's a major part of what we do. Yeah, so it's interesting. I've talked to some very large financial institutions and they're like, we're becoming software companies. And I was at the Amazon show, there's a very large well-known bank that gave away the Alexa dots and they're doing skill sets. What's the role of technology in your company? How does all of this digital transformation impact you? Really, it's providing a new level of service in the digital domain to customers that aren't traditional go-to-the-branch customers. We do have a large part of our customer base, still wants to go into that branch. They have a personal relationship with that banker. But as you can imagine, we have younger customers that they really just want that same level of service but they want it provided through mobile banking, online banking, and they expect, as I said, that same level of service. So really the challenge today is to provide that level of service through our mobile application. And one of the nice things about the way technology has evolved is that traditional are in the past, only large financial institutions could provide the types of services that you see whereas today, because of the way technology has progressed, we've been able to provide that same level of service, those same types of technologies. And again, the examples are mobile banking with mobile deposit or being able to inst an issue with debit card for our customers in any one of our branch locations. Yeah, Wayne, what's the dynamic between the business and the technology in your organization? Before I came to Harbor One Bank, I was in the consulting world, in the technology consulting world. And one of the approaches I always took as many people do in that world is you need to have the business as stakeholders. They need to have ownership. Whenever you're doing a technology project, you can't do technology for technology's sake. It has to serve a business goal, a business mission. And I brought that same approach to Harbor One. So at Harbor One, when we approach technology, it's all of the stakeholders at the table. There's a business purpose for what we do. And the business as well as the technologies are driving the implementation, whatever it may be. And again, a good example of that is when we started to introduce our paperless account opening process. We had people from our operations division, our retail division, as well as my technology division sitting in a room and really going through what that meant. The interesting thing about the process was it became a process where it wasn't just about online account opening. An instant issue in a debit card, it was about, hey, now that we look at this technology, we actually can use this technology to do account maintenance. Or we can take the paper processes we used to do and we can change those over to a electronic process. It really is always a collaborative effort with the business and with my technology group. Wayne, what brings you to this event? Always, well, first of all, the Winslow Group has been a big partner of Haber One for many, many years. In fact, we are one of the first organizations that rolled out the compelence and technology with them. One of the things I always try to do along with my team is to get out and explore not only what's happening with technology that we use in terms of the roadmap, it's also about learning about new technologies and what we might be able to leverage as an organization to improve customer service. Right now, it's about taking a hybrid approach between on-prem and hosted solutions. That's something that we're really exploring in order to become more nimble, in order to be able to provide the support the business needs at any given time without having to ramp up or do a tremendous expenditure in terms of on-premise technology. So really, we're taking a look at how can we blend our solutions with hosted solutions to provide a better level of service. Yeah, so Wayne, understand, public cloud sounds like isn't too much in the picture for you, but the service provider hosted model, what do you look for? Mostly private cloud, and again, the challenges are really not so much around being able to provide the application or the support that we need. It truly is more around security, information security. As you know, here in Massachusetts, we have the Massachusetts Data Security Laws. And any company that we deal with in terms of being a hosted provider, whether they're in the Commonwealth of Massachusetts or somewhere else in the country, they still need to assure us they comply with that same level of security when we deal with them. It's around making sure that they have the same protections, the same level of business continuity and data recovery, things of that nature. So those are the things we have to look for when we look in a cloud provider. Yeah, Wayne, I'm curious, as a CTO, how do things like really the digitization of money impact what you're doing? I think not only things like blockchain, but these days, I know I'm using my phone to purchase things more. Cash seems way less in use, so what is that in fact? And again, we are providing a lot of those technologies that allow you to do that. Our biggest challenge is that a lot of our competitors aren't banks. They're not regulated the same way we are, so that they have more flexibility in terms of not only how they can market, but how they provide these services. So really, the challenge is really in the competition. And technologies, you know, allow that as well, so. All right, Wayne, really appreciate you sharing what's happening in your business and how technology is impacting that. Love to digging in with all the practitioners here at the user group where they're learning from their peers. This is the WTG Dell EMC user group, and you're watching theCUBE.