You’ve heard those catchphrases so many times — customer experience, we love our customers, the customer is number one — that it’s easy to forget what actually comes first: satisfied employees. Truth is, no financial institution can make a single customer happy until it takes care of its staff. To talk about the new tools and innovative ideas driving this in 2021, we chat with Kevin Steel (left), John Kelly (center) and Drew Fritz (right) of Ultimate Kronos Group.