At The Watercooler
At the Watercooler with Nathan Moore, SVP of product strategy, Kinective
Nathan Moore of Kinective sits down to share how he utilizes AI in branch automation, while not getting pulled in by the hype.
June 22, 2026 by ATM marketplace
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ClaudeDescribe your current role
As SVP of Product Strategy at Kinective, I'm responsible for the strategic direction of our Branch Automation product line, which is designed to give financial institutions greater control and visibility over every cash touchpoint—from their teller cash recyclers to ATMs to self-service kiosks. My focus is on ensuring these solutions provide effective integrations into core platforms, optimize branch and cash operations, enhance the consumer experience, and position financial institutions to compete in an increasingly competitive banking landscape.[
What inspired you to work in your industry?
Three things drew me to banking technology: problem solving, helping people and technology itself. I've always been energized by tackling complex challenges and the financial services industry presents some of the most interesting problems out there. But what really matters to me is the human impact. When you work in banking technology, you're creating tools that help financial institutions serve their communities better, improve people's financial wellness and make banking more accessible and efficient. The technology piece is fascinating, but it's the combination of all three—solving real problems with technology that genuinely helps people—that keeps me engaged and motivated every day.
What do you enjoy most about your current role?
What I love most about being SVP of Product Strategy at Kinective is the opportunity to challenge the status quo. Our industry has operated in certain ways for decades, but we're at an inflection point. The banking landscape is evolving rapidly, and the challenges we're solving today—around AI, data, system connectivity and branch modernization—are fundamentally different from what we were working on even a few years ago. That continuous evolution and the opportunity to be at the forefront of this new era of intelligent banking — where we're modernizing operations, connecting systems and activating data to make institutions genuinely smarter is what makes this role so rewarding.
What industry trends do you think are currently over-hyped and why?
The noise and hype around AI, but not AI itself. AI is absolutely critical to banking's future, but there's so much confusion wrapped up in the current hype that it needs to be reeled in. Many institutions are rushing into AI initiatives without the foundational pieces in place—modernized operations, connected systems, normalized data—that make AI actually useful.
AI isn't magic; it's a tool that requires the right infrastructure and strategy. The vendor noise has people thinking they can skip steps, and that's where the danger lies. We need practical, responsible implementation that delivers real value.
What industry trends do you think don't get enough attention and why?
An older concept desperately worth resurfacing is "high tech coupled with high touch." As we lean into AI and automation, we must keep human interaction in scope because banking is fundamentally a relationship business.
AI should enhance human interaction, not replace it. When we automate routine tasks and give bankers better data and insights, they can do what they do best: build relationships, understand individual needs, and provide personalized guidance that makes a meaningful, positive impact on a consumer's financial wellness. It's all about helping people achieve their financial goals and the only way to do that is through an informed connection.
The institutions that will win in the future are the ones that figure out how to use technology to make their people more effective, not eliminate the human element entirely.
What advice would you give to someone just starting out in your industry?
Three things: First, visit local branches and talk to people in various roles: tellers, branch managers, loan officers, operations staff. Understand their processes, tools, and challenges. The best way to build truly effective solutions is by understanding the real-world environment that your audience works within.
Second, try different financial products and providers in your personal life. Use different banking apps, ATMs, and financial tools. Understand what delights you, what frustrates you, where friction exists. That firsthand experience is invaluable.
Third, seek out experts in retail and commercial banking, plus fintech leaders, to discuss your observations. The combination of hands-on experience and expert guidance will give you far richer industry understanding than any textbook.
If you weren't working in your current field, what would you be doing instead?
This might surprise people, but I actually started my higher education studying zoology. If I weren't in banking technology, I'd be working in the animal sciences realm, potentially as an exotic animal veterinarian, which was my childhood dream. It's obviously a completely different field, but that core curiosity and desire to understand complex systems and solve problems has stayed with me. I've just applied it to a different kind of ecosystem: the intricate, interconnected world of banking technology.
Is there anything else you would like to tell people about yourself or your company/organization?
In a time of accelerated transformation, I find it refreshing to work with a team at Kinective that has an amazing level of experience coupled with the humility to challenge "the old ways" for continuous improvement. We're genuinely committed to reimagining what's possible in banking technology while staying grounded in what actually works for our financial institution partners.
On a related note, we're hosting our inaugural user conference, Kinections26, in Nashville this Nov. 15-17. If you're interested in where AI and Intelligent Banking are headed—and how institutions are actually applying these concepts today—it's worth checking out.
We'll have Forbes Top Futurist Heather McGowan as our guest keynote speaker, sessions on everything from deposit growth and profitability, automated lending workflows, proactive cash management, and plenty of opportunities to connect with peers who are navigating the same challenges. You can learn more and see the full agenda at kinective.io/
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