Assessing organizational agility readiness in 2026
Financial services organizations face conditions that change faster than legacy processes, systems, and planning cycles can handle. Talent scarcity, regulatory volatility, technology debt, and demographic shifts demand a different operating posture. Leaders need a way to respond without constant strategic rewrites.
This paper offers a model for raising organizational change appetite through three capabilities: data agility, integration agility, and AI agility. It gives leaders a method to assess current readiness, identify gaps, and build an institution that moves with speed, clarity, and control.
Your customers are changing.
Your workforce is changing.
Your operating model must change too.
of financial services teams face talent gaps
wealth transfer is reshaping customer expectations
of banks still rely on legacy technology
Our contributors
This framework comes from practitioners, not theory. The contributors have led large-scale transformation across data, integration, and AI while balancing risk, regulation, and growth.
Zennify Advisor, Former CIO, PenFed Credit Union
Joe is a seasoned financial services executive with nearly 30 years of leadership experience across credit unions and large financial institutions.
He has held senior roles at USAA and PenFed Credit Union, where he focused on improving member experience through data, technology, and operational strategy.
Joe brings deep expertise in Salesforce, AI, and data-driven transformation, with a strong commitment to the credit union mission reminded by people helping people.
VP of Technology
Philip Paz is a 20-year technology leader who transforms big ideas into scalable realities. As Zennify’s Vice President of Technology, he fuses enterprise architecture, cloud, data, and analytics into strategies that move business goals forward that are business aligned, resilient, and future-proof.
A lifelong technologist and champion of digital innovation, Philip is known for cultivating curiosity and mentoring high-performing teams. He creates a culture where engineers stretch their skills, share knowledge, and implement solutions with confidence.
When he’s not guiding product roadmaps or white-boarding the next breakthrough, you’ll find Philip with his wife and daughter on an adventure or upstairs in the loft, guitar in hand, living out his rock-and-roll dreams.
The most valuable capability an organization can build is not rigid forecasting, but strategic business agility.
Former CIO PenFed Credit Union, Industry Advisor
