Session Description

Scenario Planning Exercise: FinTech Disruption

Thursday, November 19, 2026

9:15 a.m. to 10:15 a.m.

A well-capitalized fintech enters ag lending with no branches, no legacy core, and a sharper story than yours. Directors work the scenario as a board to test whether their own board would see it coming in time to act.

LEARNING OUTCOMES:

• Recognize the unbundling pattern already visible in ag lending and where it touches your association.
• Distinguish board decisions from management decisions while a competitive threat is still ambiguous.
• Identify the early indicators that should reach the board and the reporting gaps that keep them from arriving.
• Leave with a one-page Disruption Watchlist sized to your board's reporting calendar.