Harshjot Nijher

Most Recent Resources

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Harshjot Nijher

Technology Enablement Isn’t Digital Transformation

February 4, 2026

Digital transformation happens when credit unions redesign processes, clarify ownership, and change how decisions are made—technology simply enables

Crawl-Walk-Run vs. I-Want-It-All

January 27, 2026

Big-bang CRM launches often fail in financial services because they ignore organizational reality. A crawl-walk-run approach builds trust,