578: In this interview, James Sills provides an overview of M&F Bank, how the pandemic has affected the digital customer experience and digitization of banking, and how M&F Bank has managed the differences in digital adoption across consumer age demographics. Additionally, he gives his perspective on that state of racial injustice and social inequity in America, the importance of engaging with minority populations within and outside the company, and how businesses can leverage partnerships with minority-owned businesses and minority-focused organizations to support the push for social justice. Finally, James discusses his career evolution including his experiences as CIO of the state of Delaware and how his current position is taking advantage of ecosystems to foster innovation and keep pace with some of the tech trends he and his team are excited about.