Podcasts about American Banker

In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding. Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry.

Since 2023, illicit financial activity has surged by $1.3 trillion, reaching an estimated $4.4 trillion globally. The reason isn't a mystery: bad actors have AI now too.In this episode of One Vision Podcast, Theodora Lau sits down with Tyler Allen, CEO of Unit21, to unpack what's happening on the front lines of AI-powered fraud. Tyler was Unit21's founding software engineer and he is now leading the company through a moment he calls "have your cake and eat it too": AI is finally cheaper than the human labor it could replace, and unlike humans, it doesn't get alert fatigue.The conversation goes deeper on:• The fundamental asymmetry between attackers and defenders — and why AI made it worse• Why majority of AI pilots fail (hint: it's almost never the technology) • Why AI makes sense for financial crime prevention and detection • What he asks potential buyers, from ownership and goals, to risk tolerance and more • What every FI should be demanding from their AI vendorsA conversation about the new physics of fraud — and the human consequences of getting it wrong.

After more than a decade of crossing paths at conferences and following each other's work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It's about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI's rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?

What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation). A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

What do the American people actually expect from companies deploying AI — and are corporate leaders listening?In this episode of One Vision Podcast, Theodora Lau sits down with longtime friend Tyler Spalding, Chief Marketing, Communications & Engagement Officer at JUST Capital, to unpack the organization's latest research on how the public, investors, and corporate executives view AI's impact on society, jobs, and the economy.They dig into the perception gap between public sentiment (66%) and corporate optimism (94% of investors and 90% of corporate leaders see AI as a net positive), and what that gap means for business leaders navigating workforce decisions, reskilling investments, and responsible AI deployment.The conversation also explores the tension between AI-driven efficiency gains and the human cost of disruption — from layoffs framed as AI transformation and the anxiety facing the next generation entering the workforce, as well as the importance of defining and incentivizing responsible AI through consistent, comparable standards guided by public expectations.

What separates an AI agent that demos beautifully from one that actually runs in production at a bank? In this episode of One Vision Podcast, Theodora Lau reconnects with Maté Jendrolovics, CEO and Founder of Intuitech, for a candid conversation about the reality of agentic AI in financial services — where "80% accurate" doesn't mean 80% of the value. Maté shares how Intuitech has expanded in the past year, and his idea of an AI-native bank. A grounded, hype-free conversation about doing AI in financial services the hard way — and why that's the only way it creates real value.

When AI agents start buying and selling on our behalf, who do they really represent? In this new episode of One Vision Podcast, Theodora Lau sits down with Marc Massar — payments veteran and founder of Aura Labs — to unpack the merchant side of agentic commerce that most of the industry is overlooking. They dig into why today's agentic protocols are still walled gardens, what happens when transaction context disappears but liability doesn't, why dynamic pricing gets dangerous at machine speed, and what merchants need to do now before they get trapped in someone else's ecosystem. Marc draws on past lessons to make the case that market design — not smarter agents — is what will determine whether agentic commerce works for everyone or just the platforms that control it.00:00 Welcome and Guest Intro03:03 Protocols and Walled Gardens10:25 Who Does the Agent Serve14:20 Post Purchase Identity and Disputes22:54 Merchant Playbook for Agentic Search32:41 Consent and Payments Friction35:25 Dynamic Pricing Meets Agents39:06 Market Design and Controls44:48 Seller Data Playbook51:35 Closing

Penny Crosman, executive editor for technology at American Banker, talks about the growing risk of "rogue AI" in banking and why generative and agentic AI have changed the stakes for the industry. She discusses how banks are trying to balance the pressure to adopt AI quickly with the need to control operational, reputational, and cyber risks, including the threat of cascading errors and increasingly powerful models like Anthropic's Mythos.

While the conversation around AI often centers on automation and efficiency, the real opportunity lies in AI's ability to act as a decision-making layer. In this episode of One Vision podcast, Theodora Lau hosts Bianca Zwart, Chief Strategy Officer at bunq, to unpack what it truly means to be AI-native. For bunq, AI isn't a feature bolted onto an existing model. It's the operating system. Bianca shares how bunq's obsession with the user experience drives every technology decision. The conversation also explores what's next for agentic AI — and why the future isn't about AI taking over, but about making users smarter supervisors of their own financial lives.Plus: bunq's bold move into the US market, the needs of the people navigating life on both sides of the Atlantic, and why Bianca believes trust — not technology — is ultimately the only thing that matters.

Igor Pejic is an author, speaker, and banker focusing on the tech sector, currently leading the mobile apps team for one of the largest banks in Europe. His new book, "Tech Money", uncovers the rules of investing in the age of artificial intelligence. He appears regularly in the New York Times, American Banker, Forbes, and Bloomberg. His Substack newsletter is called "The New Frontier", analyzing the latest trends in tech and finance. Pejic has taught at the University of Vienna and has spoken for the Financial Post, German Banking Association, UK Finance, and Centre for Finance, Technology, and Entrepreneurship. Learn more at https://www.igorpejic.net/. This episode is brought to you by Bryan Kuderna's new book, "Simply Wealthy: The 4-Step Plan for Financial Freedom". Click here to order your copy today-- https://www.penguinrandomhouse.com/books/823475/simply-wealthy-by-bryan-kuderna/.

Federal regulators released their third effort at implementing Basel III in three years, with this one taking a radically different approach to the previous two under the last administration. What does this version do and will it stick? John Heltman, Washington Bureau Chief of American Banker, breaks down what has changed, the reaction by banks, and whether we've reached the beginning of the end for Basel III Endgame.

Theodora Lau banks on AI becoming our financial GPS and OS but flags required waypoints to protect consumer data rights, maintain trust and close the digital divide.Theo and Kimberly discuss the progression toward a financial GPS powered by AI; consumer data rights and trust; the billion dollar question for 2026; analog identify verification; reducing risk and improving the customer experience; valuing people above transactions; the widening digital divide; upskilling and reskilling; cultivating curiosity and reclaiming time; financial security as the foundation for health; agentic commerce and AI as the financial OS; and always being human.Theodora Lau is the Founder of Unconventional Ventures. A prolific speaker, author and advisor, Theo is an American Banker's Top 20 Influential Women in FinTech. Recognizing that health and financial security are innately entwined, Theo works to spark innovation in the public and private sectors to meet the needs of underrepresented consumers. Related Resources:Banking on (Artificial) Intelligence (book)One Vision Podcast (RSS feed)Unconventional Ventures (company)A transcript of this episode is here.

Merriam-Webster's Word of the Day for January 27, 2026 is: fiduciary • fuh-DOO-shee-air-ee • adjective Fiduciary is a formal word describing something relating to or involving trust, such as the trust between a customer and a professional. // The bank's fiduciary obligations are clearly stated in the contract. See the entry > Examples: "Banks and brokerage firms hold a fiduciary responsibility to protect their customers, including from scams." — Carter Pape, American Banker, 11 Aug. 2025 Did you know? Fiduciary relationships are often of the financial variety, but the word fiduciary does not, in and of itself, suggest pecuniary ("money-related") matters. Rather, fiduciary applies to any situation in which one person justifiably places confidence and trust in someone else, and seeks that person's help or advice in some matter. The attorney-client relationship is a fiduciary one, for example, because the client trusts the attorney to act in the best interest of the client at all times. Fiduciary can also be used as a noun referring to the person who acts in a fiduciary capacity, and fiduciarily or fiducially can be called upon if you are in need of an adverb. The words are all faithful to their origin: Latin fīdere, which means "to trust."

Allegations of politically motivated “debanking” have intensified debate over how federal regulation, supervisory practices, and concerns about “reputation risk” influence banks’ decisions about which customers to serve. In recent months, the President issued an Executive Order directing agencies to reexamine supervisory and risk-management frameworks, while the banking regulators themselves have taken steps related to supervision, anti-money-laundering obligations, and the treatment of reputation risk—often implicating questions surrounding confidential supervisory information. At the same time, Congress and stakeholders across the financial sector continue to grapple with the scope and meaning of federal “fair access” standards and what they might require of banks going forward.With these developments unfolding in parallel, important questions remain unresolved. What role should the government play in shaping banks’ customer relationships? How should supervisory expectations be calibrated, and what legal clarity—whether legislative or regulatory—might be needed to strike the proper balance?Please join the Federalist Society on Wednesday, January 7, at 12 PM ET for a virtual discussion exploring these issues and examining where regulators and lawmakers may go from here. Featuring: John Berlau, Senior fellow and Director of Finance Policy, Competitive Enterprise InstituteTabitha Edgens, Executive Vice President & Co-Head of Regulatory Affairs, Bank Policy InstituteBrian Knight, Senior Counsel, Corporate Engagement Team, Alliance Defending Freedom(Moderator) John Heltman, Washington Bureau Chief, American Banker

The company's recently released 2026 trends report is about "moving and changing the narrative from being Eeyores to being Tiggers," Abbott said in the latest American Banker podcast.

A treasury company pioneer, Marco launched the very first altcoin treasury on the Nasdaq. Prior to joining Solmate as CEO he was a partner at Pantera Capital, where he helped to structure some of the industry's best-performing treasuries. A trained attorney, Marco was once dubbed the "Dean of Digital Currency Lawyers" by the Editor-in-Chief of American Banker. He was the Chief Legal Officer at Kraken, one of the world's largest digital asset exchanges, for five years.Prior to Kraken, Marco was the President of Blockchain.com, as well as a Partner at Cooley LLP, where he led the firm's global financial technology team. At Cooley, he invented the SAFT Framework and co-authored the SAFT Project Whitepaper, which became a market standard for crypto capital formation. He was an advisor to the International Monetary Fund and an IMF delegate speaker on financial technology in Asia, Europe and the Middle East.In this conversation, we discuss:- Inventing the SAFT Framework - Stories from being Chief Legal Officer at Kraken - Crypto in Abu Dhabi and UAE - The geographical importance of the UAE - Why Solana - Solana in 2026 - Raising $300 million - Planned Acquisition of RockawayX - The Infrastructure Flywheel Strategy SolmateX: @SolmateWebsite: www.solmate.comLinkedIn: Solmate $SLMTMarco SantoriX: @msantoriESQLinkedIn: Marco Santori---------------------------------------------------------------------------------This episode is brought to you by PrimeXBT.PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions. Code: CRYPTONEWS50 This promotion is available for a month after activation. Click the link below: PrimeXBT x CRYPTONEWS50FollowApple PodcastsSpotifyAmazon MusicRSS FeedSee All

Send us a textIn this episode we sit down with Liz Myers, Global Chair of Investment Banking and Capital Markets at J.P. Morgan for an Equity Capital Markets deep dive. We get into IPOs vs follow-ons, primary vs secondary proceeds (and why sponsor-backed IPOs often use proceeds differently), convertibles and the reality of price discovery. Liz breaks down the modern IPO process — from test-the-waters investor education to the order book build — and explains the newer concepts that didn't exist until recently like cornerstone investors, why they matter, and how banks think about allocating “precious” shares to create the right long-term shareholder base. We also get into market timing (their internal “IPO dashboard”), what makes the window feel open vs shut, and why the market loves certainty more than anything.Liz Myers, Global Chair of Investment Banking and Capital Markets, J.P. MorganLiz Myers is Global Chair of Investment Banking and Capital Markets at J.P. Morgan, where she has worked for over 30 years. Prior to her current role, she served as Global Head of Equity Capital Markets where she led the team responsible for advising J.P. Morgan's corporate clients on equity capital raising (IPOs, follow-ons and convertible issuance) in the Americas, Europe and Asia. She has been named one of the Top 25 Most Powerful Women in Finance by American Banker magazine and one of Barron's 100 Most Influential Women in U.S. Finance.Myers serves on the Executive Committee of Women on the Move at J.P. Morgan, which supports women employees and women-run businesses. She serves on the Board of Trustees for Princeton University and the Advisory Boards of the Bendheim Center for Finance at Princeton University and the Harvard Graduate School of Education. Myers is a National Board Member of the Posse Foundation, which expands the pool from which top universities can recruit young leaders. She is also a Board Member of New Yorkers for Children, a nonprofit with a focus on youth in foster care.Myers graduated cum laude from Princeton University in 1992, with a major in Economics. She received an MBA from Harvard Business School in 1997.Learn more about 9fin HERE Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

The Trump administration is refusing to take funds to pay for ongoing operations at the Consumer Financial Protection Bureau, arguing the funding structure is illegal. What does this mean for the agency's future, including its recent efforts to curb the small business lending data rule and define open banking? Kate Berry of American Banker and Evan Weinberger of Bloomberg Law weigh in on what's going on and what happens next. 

Mark and his two guests, Mike Radway and Todd Harper, go deep with a history lesson on the passing of HR 1151. This legislation paved the way for credit union growth in the past 25 years. Both Todd and Mike worked in the office of Rep. Paul Kanjorski at the time, who spearheaded the legislation. Every credit union employee who hasn't learned about this law should listen to why we have the successful industry we have today.IN THIS EPISODE:(00:00) This special episode is a historical background of the credit union industry(03:15) Todd Harper's his credit union background, noting his work on HR 1151(05:59) Mike Radway's 50-year credit union journey, influencing legislative affairs and HR 1151(09:35) Creation of the common bond credit unions, driven by financial services(11:55) Explanation of the Supreme Court ruling against the common bond credit unions, leading to HR 1151(17:53) Passing a bipartisan bill, establishing a cap on business lending, and providing consumer choice(26:21) Why it's difficult to pass legislation today(33:10) Surprise changes in the credit union industry over the past 25 or 30 years KEY TAKEAWAYS:HR 1151, the credit union membership access act, was pivotal in allowing common bond expansions, enabling credit unions to serve diverse groups and ensuring consumer choice despite Supreme Court challenges.A bipartisan effort by Paul Korski and Steve Ette, supported by Todd Harper and Mike Radway, drove the legislative affairs success of HR 1151, addressing the crisis consensus to protect credit unions.The business lending cap, a result of banking committee negotiations, spurred diversification and growth of community charter credit unions, strengthening the financial services industry.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInTodd Harper - LinkedInMike Radway - LinkedInBIOGRAPHIES: Todd Harper:Few people know federal financial services laws like me. That's because I've written, explained and implemented them for 25+ years. As an agency executive, policy entrepreneur, political strategist and press pro, I've identified emerging issues, shaped public opinion, built bipartisan coalitions and advised lawmakers and presidential appointees before the U.S. Senate twice confirmed me in the Trump and Biden eras. In the words of the American Banker, I'm “the rarest of Washington creatures: A regulator who actually gets along with everyone.”Mike Radway:Former Chief-of-Staff to Chairman of the National Credit Union Administration (NCUA).Former Professional Staff, House Banking/Financial Services Committee.Former Chairman, Federal Home Loan Bank of Seattle & Council of Federal Home Loan Banks.Former Chair, Early Care and Education ConsortiumFormer DNC Member, Biden delegate 2020, Obama 2012, Gore 2000Former Treasurer, Democratic Party of OregonKEYWORDS: Credit Unions, History Lesson, HR 1151, Todd Harper, Mike Radway, Membership Access, Financial Services, Community Charter, Business Lending, Common Bond, Legislative Affairs, NCUA Board, Bipartisan Effort, Consumer Choice, Supreme Court, Banking Committee, Crisis Consensus, Diversification, credit union growth, credit union industry, Common Bond Credit Unions, Financial Services, Credit Union Membership Access Act, Common Bond...

John Buran shares how his New York bank and its small business customers are faring with tariff uncertainty — and how some have quickly changed suppliers and modified business plans — in the latest American Banker podcast.  

Crypto firms often pitch themselves as an alternative to and the future of traditional finance. So why are firms like Ripple, Circle, Wise and Erebor attempting to charter banks? Penny Crosman, executive editor for technology at American Banker, talks about what's going on, how regulators will view these applications, and whether banks plan to fight back. 

Nintendo owns CES, The future belongs to the internet & EA disses Sega These stories and many more on this episode of the VGNRTM! This episode we will look back at the biggest stories in and around the video game industry in September 1994.  As always, we'll mostly be using magazine cover dates, and those are of course always a bit behind the actual events. Alex Smith of They Create Worlds is our cohost.  Check out his podcast here: https://www.theycreateworlds.com/ and order his book here: https://www.theycreateworlds.com/book Get us on your mobile device: Android:  https://www.google.com/podcasts?feed=aHR0cHM6Ly92aWRlb2dhbWVuZXdzcm9vbXRpbWVtYWNoaW5lLmxpYnN5bi5jb20vcnNz iOS:      https://podcasts.apple.com/de/podcast/video-game-newsroom-time-machine And if you like what we are doing here at the podcast, don't forget to like us on your podcasting app of choice, YouTube, and/or support us on patreon! https://www.patreon.com/VGNRTM Send comments on Mastodon @videogamenewsroomtimemachine@oldbytes.space Or twitter @videogamenewsr2 Or Instagram https://www.instagram.com/vgnrtm Or videogamenewsroomtimemachine@gmail.com Links: If you don't see all the links, find them here:     https://www.patreon.com/posts/131691264 7 Minutes in Heaven: Zero Tolerance Video Version: https://www.patreon.com/posts/131666929     https://www.mobygames.com/game/10115/zero-tolerance/ Corrections: August 1994 Ep - https://www.patreon.com/posts/august-1994-123352781 Ethan's fine site The History of How We Play: https://thehistoryofhowweplay.wordpress.com/     https://en.wikipedia.org/wiki/Magic:_The_Gathering     https://en.wikipedia.org/wiki/Sega     https://www.retroreversing.com/super-famicom-snes-sdk/     https://archive.org/details/st-report             https://patentarcade.com/tag/alpex-computer-v-nintendo 1994: Street Fighter loses its luster     A Warrior of Video Games, The New York Times, September 6, 1994, Tuesday, Late Edition - Final, Distribution: Financial Desk, Section: Section D; ; Section D; Page 1; Column 6; Financial Desk ; Column 6; Byline: By ANDREW POLLACK,     Capcom's video game superhero, Mega Man, debuts this week in nationally syndicated cartoon series; Interactive software giant embraces Hollywood to create precedent-setting entertainment, Business Wire, September 7, 1994, Wednesday     https://www.imdb.com/title/tt0111301/?ref_=fn_all_ttl_2         https://www.imdb.com/title/tt0219458/?ref_=fn_all_ttl_14         https://www.imdb.com/title/tt0115421/?ref_=fn_all_ttl_1         https://en.wikipedia.org/wiki/USA_Action_Extreme_Team     https://www.imdb.com/title/tt0165046/?ref_=fn_all_ttl_1         Joe Morici - Capcom - https://www.patreon.com/posts/37289815 CD duplicators expand their offerings     "Keeping Track Of All Trades; Replicators Go Beyond The Basics, Branching Out Into Packaging,Distribution And More, Billboard, September 3, 1994, Section: CD REPLICATION; Spotlight; Pg. 86, Byline: BY PAUL VERNA           The Expanding Universe Of Replication; Companies Roll Out The Format Welcome Mat, Opening The Door To CDROM And Others, Billboard, September 3, 1994, Section: CD REPLICATION; Spotlight; Pg. 84, Byline: BY STEVE TRAIMAN" CD piracy explodes in Hong Kong     Software pirates strike gold, South China Morning Post (Hong Kong), September 15, 1994, Section: FEATURE; Pg. 25          https://www.youtube.com/watch?app=desktop&v=eEUNtQprsc0 Best Buy expands     Best Buy Plans Southern Calif. Invasion; Discounter Promises 'New Shopping Experience', Billboard, September 10, 1994, Section: Pg. 5, Byline: BY EILEEN FITZPATRICK Woolworth UK hit hard by drop  in computer software sales     Kingfisher offshoots turn in mixed performance, Financial Times (London,England), September 14, 1994, Wednesday, London, Section: UK Company News; Pg. 25,  Rhino sees slowdown     Rhino runs deeper into red at midway, Financial Times (London,England), September 20, 1994, Tuesday, Section: UK Company News; Pg. 26, Byline: By GARY EVANS Video game slump hits Wong         Video-game slump hits firm, South China Morning Post (Hong Kong), September 30, 1994, Section: BUSINESS; Pg. 18     Raymond Yap - Wong's International, Mondex - https://www.patreon.com/posts/108390526 Playmates shifts to games     Post-TMNT Playmates Goes Vid, Ad Day, September 19, 1994, Section: NEW PRODUCTS; Pg. 17 Software Toolworks becomes Mindscape     THE SOFTWARE TOOLWORKS, INC. BECOMES MINDSCAP , INC., PR Newswire, September 30, 1994, Friday - 19:34 Eastern Time Strauss Zelnick to head BMG     "Ex-IBM chief to head Canadian films group, Financial Times (London,England), September 15, 1994, Thursday, London; Section: International Company News; Pg. 27, Byline: By LOUISE KEHOE and REUTER          Ex-Film Executive Chosen To Head Bertelsmann Unit, The New York Times, September 14, 1994, Wednesday, Late Edition - Final, Distribution: Financial Desk, Section: Section D; ; Section D; Page 8; Column 5; Financial Desk ; Column 5; Byline: By SALLIE HOFMEISTER,            https://en.wikipedia.org/wiki/Strauss_Zelnick Katzenberg out at Disney     Now Playing: Disney in Turmoil, The New York Times, September 23, 1994, Friday, Late Edition - Final, Distribution: Financial Desk, Section: Section D; ; Section D; Page 1; Column 3; Financial Desk ; Column 3; Byline: By BERNARD WEINRAUB with GERALDINE FABRIKANT,     https://en.wikipedia.org/wiki/DisneyWar     https://www.amazon.com/Men-Who-Would-King-DreamWorks/dp/0547520271 Battletech Centers go online     L.A.-Vegas link makes virtual a new reality, The Hollywood Reporter, September 2, 1994, Friday            DISNEY'S GAME LINK, Variety, September 12, 1994 - September 18, 1994, Section: SPECIAL REPORT: INTERTAINMENT; Update; Pg. 33 Nicastro's to co-CEO WMS     Neil D. Nicastro appointed co-chief executive officer of WMS Industries, Business Wire, September 12, 1994, Monday Arnie's Place closes down     Scrappy Arcade Owner Gives Up the Fight, The New York Times, September 20, 1994, Tuesday, Late Edition - Final, Distribution: Metropolitan Desk, Section: Section B; ; Section B; Page 4; Column 1; Metropolitan Desk ; Column 1; ; Biography, Byline: Arnie Kaye, Special to The New York Times, Dateline: WESTPORT, Conn., Sept. 19           https://www.nytimes.com/1994/09/20/nyregion/scrappy-arcade-owner-gives-up-the-fight.html?searchResultPosition=1          http://arniesplacearcade.com/pictures.html Nintendo owns CES     https://archive.org/details/edge-012-september-1994/page/10/mode/2up?view=theater     https://archive.org/details/edge-012-september-1994/page/44/mode/1up?view=theater RPGs, adventures and doom clones abound on pc at ces     https://archive.org/details/computer-gaming-world-issue-122-september-1994/page/22/mode/1up?view=theater      Sega bypasses Japanese distributors     SEGA DECIDES TO SELL DIRECT TO RETAILERS, Computergram International, September 13, 1994 EA disses Saturn     No Headline In Original, Consumer Electronics, September 19, 1994, Section: NOTEBOOK, Vol. 34, No. 38 3DO's next gen system is a dog...     https://archive.org/details/edge-012-september-1994/page/6/mode/2up     https://en.wikipedia.org/wiki/Panasonic_M2 ESRB rates its first game     No Headline In Original, Consumer Electronics, September 12, 1994, Section: NOTEBOOK, Vol. 34, No. 37 Mortal Kombat II breaks records     Acclaim's 'Mortal Kombat II' breaks video game and film industry records with $50 million opening week, Business Wire, September 22, 1994, Thursday Sega and Nintendo plan big Xmas ad spends     Sega and Nintendo Prepare to Do Battle Over Holiday Season Sales, Wall Street Journal (3 Star, Eastern (Princeton, NJ), Edition), , September 21, 1994, Business and Industry, Section: Pg. B10; Vol. CCXXIV; No. 57; ISSN: 0099-9660 EA sees CD future     Electronic Arts Shifts Focus to CD-ROM Video Games, Wall Street Journal (3 Star, Eastern (Princeton, NJ) Edition), September 7, 1994, Business and Industry, Section: Pg. B4; Vol. CCXXIV; No. 47; ISSN: 0099-9660 CDi gets new slogan     A NEW STRATEGY FOR CD-I PHILIPS LOWERS PRICE, CHANGES SLOGAN  TO DRIVE SALES, Advertising Age, September 26, 1994, Section: Pg. 14         https://youtu.be/TgtBDVRwKCQ?si=77kblLoNQUYxSl16 China seen as growth market by Nintendo     Nintendo to launch game software production in China, Japan Economic Newswire, SEPTEMBER 6, 1994, TUESDAY, Dateline: TOKYO, Sept. 6 Kyodo     Taiwan firm to compensate Nintendo, Singapore Business Times, September 18, 1994 Sanyo avoids face off with Matsushita         Sanyo to market 32-bit computer game, Report From Japan, September 1, 1994     https://www.linkedin.com/feed/update/urn:li:activity:7327486440387289088/ Konix lives     Aiming to succeed where others have failed - MSU's CD systems look set to find their way into homes world-wide / Growth from Technology, Financial Times (London,England), September 8, 1994, Thursday, London, Section: UK Company News; Pg. 30, Byline: By ALAN CANE     https://www.konixmultisystem.co.uk/index.php?id=interviews&content=wyn Myst coming to laseractive     https://segaretro.org/Myst_(Mega_LD)         Pioneer gets LaserActive with 'Myst' software hit; Redford eco entertainment also set for format, The Hollywood Reporter, September 6, 1994, Tuesday, Byline: Scott Hettrick       https://segaretro.org/Legacy Time Warner picks up Rise of the Robots     Time Warner Interactive to release "Rise of the Robots" on CD-ROM and Floppy in United States; TWi also to release "Rise" on 10 interactive platforms in Europe, Business Wire, September 6, 1994, Tuesday, Dateline: MILPITAS, Calif.      Sega bets on Cornhuskers     "Sega Sports opens college football season by predicting this weekend's winners on the new ""College Football National Championship"" video game;Nebraska Cornhuskers take national championship on Sega Sports field, Business Wire, September 2, 1994, Friday" Shaq goes multiple media     ive, EA Hope Shaq Game/CD Promo Hits Nothing But Net, Billboard, September 24, 1994, Section: ARTISTS & MUSIC; Pg. 10, Byline: BY MARILYN A. GILLEN Chaos Studios renamed     Gamepro September 1994 pg. 161      Tensions between Intel and Compaq heat up     Compaq-Intel spat is fascinated dread, Financial Times (London,England), September 20, 1994, Tuesday, Section: Pg. 21, Byline: By LOUISE KEHOE and ALAN CANE PowerPC alliance unravels     BUSINESS TECHNOLOGY; Computing's Bold Alliance Falters, The New York Times, September 14, 1994, Wednesday, Late Edition - Final, Distribution: Financial Desk, Section: Section D; ; Section D; Page 1; Column 3; Financial Desk ; Column 3; Target moving out of PC business     No Headline In Original, Consumer Electronics, September 12, 1994, Section: NOTEBOOK, Vol. 34, No. 37 MOS technology sold         STARTING FROM ASHES OF OLD FIRM COMMODORE'S NORRISTOWN PLANT CAN BE SOLD TO A START-UP COMPANY, U.S. BANKRUPTCY COURT SAID., The Philadelphia Inquirer, September 24, 1994 Saturday FINAL EDITION, Section: BUSINESS; Pg. D01     CONTENDER FOR FIRM ADVERTISES FOR HELP ONE BIDDER FOR COMMODORE IS ALREADY SEEKING WORKERS. THE OTHER BIDDER SAYS IT WANTS THE RESUMES, TOO., The Philadelphia Inquirer, September 22, 1994 Thursday FINAL EDITION, Section: BUSINESS; Pg. C01     Der PC-Pionier stellte Antrag auf Konkurs,  Handelsblatt, September 13, 1994, Business and Industry, Section: Pg. 11; ISSN: 0017-7296 Wing Commander budget to break records     Computer Gaming World, September 1994 pg. 12     https://en.wikipedia.org/wiki/Transmetropolitan Activision brings back 2600 classics     ACTIVISION'S NEW ATARI 2600(TM) ANTHOLOGY - A REAL BLAST FROM THE PAST; ORIGINAL BEST-SELLING HITS TO BE AVAILABLE FOR WINDOWS EARLY '95, PR Newswire, September 20, 1994, Tuesday - 15:02 Eastern Time, Section: Financial News Monty Python comes to CDRom     COMPUTER GAMES: THE CIRCUS COMES TO TOWN; Jack Schofield on something very silly a CD-ROM celebration of Monty Python, The Guardian (London), September 22, 1994, Section: THE GUARDIAN ONLINE PAGE; Pg. T7      The Information Super Highway is destined to fail     "The information highway heads for the exit lane, The Age (Melbourne, Australia), September 13, 1994 Tuesday Late Edition, Section: NEWS; Features; Pg. 15" Ads will make the interactive world go round.     into the ring, ADWEEK, September 5, 1994, All Southeast EditionSouthwest EditionWestern Advertising News Edition, Section: SPECIAL REPORT, Byline: By Michael Schrage      The future belongs to content     "start your content engines, ADWEEK, September 5, 1994, All Southeast EditionSouthwest EditionWestern Advertising News Edition, Section: SPECIAL REPORT, byline: By Michael Krantz"      FCC to investigate interactive TV bidders     FCC probing interactive video bidders, The Hollywood Reporter, September 1, 1994, Thursday AT&T pushes The Edge over a ledge     AT&T Scraps Plan to Sell Gear For Video Game, Wall Street Journal (3 Star, Eastern (Princeton, NJ) Edition), September 1, 1994          AT&T PULLS PLUG ON EDGE 16, Consumer Electronics, September 5, 1994, Section: THIS WEEK'S NEWS, Vol. 34, No. 36; Pg. 15          WHEN IT COMES TO NEW MEDIA, AT&T'S NOT PLAYING GAMES; AT THE MOVIES: TWO-WAY TV; RETAILERS SIGN ON TO INTERACTIVE TV; COMPUSERVE TO BE INTERNET PROVIDER; OTHER NEWS: , Advertising Age, September 05, 1994, Section: Pg. 13      BellAtlantic, Time Warner and Viacom face delays     Discord and Delay for Bell Atlantic Network, The New York Times, September 9, 1994, Friday, Late Edition - Final, Section: Section D; ; Section D; Page 1; Column 3; Financial Desk ; Column 3; Byline: By EDMUND L. ANDREWS, Compuserve moves to the internet     WHEN IT COMES TO NEW MEDIA, AT&T'S NOT PLAYING GAMES; AT THE MOVIES: TWO-WAY TV; RETAILERS SIGN ON TO INTERACTIVE TV; COMPUSERVE TO BE INTERNET PROVIDER; OTHER NEWS: , Advertising Age, September 05, 1994, Section: Pg. 13# Online services days numbered     The Executive Computer; In the On-Line Market, the Name of the Game Is Internet, The New York Times, September 25, 1994, Sunday, Late Edition - Final, Distribution: Financial Desk, Section: Section 3; ; Section 3; Page 7; Column 1; Financial Desk ; Column 1; XBAND to launch as Genesis exclusive     Sega and Catapult sign agreement to support XBAND game modem and network service, Business Wire, September 6, 1994, Tuesday,                   Catapult Video-Game Modem Gets a Boost From Sega, Nintendo, Wall Street Journal (3 Star, Eastern (Princeton, NJ) Edition), September 7, 1994, Section: Pg. B8; Vol. CCXXIV; No. 47; ISSN: 0099-9660     T-HQ announces debt and equity financings, Business Wire, September 19, 1994, Monday Playstation to go online... in France     Sony, France Telecom link in video game business, Japan Economic Newswire, SEPTEMBER 16, 1994, FRIDAY CDRom gets online updates     RealTime Moving Quickly Into Sports Arena; BMG, Nederlander Behind New CD-ROM Supplier, Billboard, September 17, 1994, Section: THE ENTER*ACTIVE FILE; Pg. 68, Byline: MARILYN A. GILLEN Mondex aims to revolutionize payments     A Visionary Pushes Toward the Cashless Revolution, American Banker, September 15, 1994, Business and Industry, Section: Pg. 12; Vol. 159; No. 178; ISSN: 0002-7561        https://www.patreon.com/posts/108390526?collection=481857 Futurist sees internet as savior of democracy     Books and Authors, The Associated Press, September 2, 1994, Friday, BC cycle, Section: Entertainment News, Byline: By ELIZABETH WEISE, Associated Press Writer           https://www.researchgate.net/publication/318765343_The_Virtual_Community_Homesteading_on_the_Electronic_Frontier UK magazine market collapses     GAMES MAGAZINES: A MILLION CRUEL CUTS, The Guardian (London), September 22, 1994, Section: THE GUARDIAN ONLINE PAGE; Pg. T3      Atari and Sega bury the hatchet     Sega and Atari Announce Longterm Licensing Agreements, Equity, Investment, and Resolution of Disputes, Business Wire, September 28, 1994, Wednesday Nintendo sues TSMC         NINTENDO FI ES SUIT AGAINST TAIWAN COMPANY TO STOP COUNTERFEITING OF VIDEO GAME SEMICONDUCTOR CHIPS, PR Newswire, September 13, 1994, Tuesday - 16:47 Eastern Time     919  921     COUNTERFEIT CHIP SUIT, Consumer Electronics, September 19, 1994, Section: THIS WEEK'S NEWS, Vol. 34, No. 38     https://archive.org/details/AtariCorporationAnnualReport1994 Nintendo wins in Taiwan Court     Taiwan firm to compensate Nintendo, Singapore Business Times, September 18, 1994 9th Circuit rebukes Apple     Apple's Copyright Suit Against Rivals Rejected, The Associated Press, September 19, 1994, Monday, AM cycle, Section: Business News, Byline: By BOB EGELKO, Associated Press Writer      George Forman KOs Power Punch II in court     No Headline In Original, Consumer Electronics, September 5, 1994, Section: NOTEBOOK, Vol. 34, No. 36; Pg. 12      Acclaim mocap comes to the big screen     Acclaim Motion Capture Technology Tapped For Warner Bros. 'Batman Forever'; Special Effects to Employ Motion Capture, Business Wire, September 1, 1994, Thursday        https://www.youtube.com/watch?v=mZrZK9-stCM Watch the future of computing on your TV     https://archive.org/details/jcnhomecomputing/Home.Computing.1.XviD-VHSRip.avi          PCTV, INC. ANNOUNCES NEW @OME O FICE COMPUTER SHOWS AS PART OF FALL LINEUP OF TV PROGRAMS, PR Newswire, September 13, 1994, Tuesday - 06:57 Eastern Time Photoshop gets layered     Byte September 1994 pg. 30 Pulp Fiction wins Palm D'Or     THE MOVIE JUNKIE; The critics hated it, the audience hurled abuse: stand by for Quentin Tarantino's Pulp Fiction, The Guardian (London), September 19, 1994, Section: THE GUARDIAN FEATURES PAGE; Pg. T8 Recommended Links: The History of How We Play: https://thehistoryofhowweplay.wordpress.com/ Gaming Alexandria: https://www.gamingalexandria.com/wp/ They Create Worlds: https://tcwpodcast.podbean.com/ Digital Antiquarian: https://www.filfre.net/ The Arcade Blogger: https://arcadeblogger.com/ Retro Asylum: http://retroasylum.com/category/all-posts/ Retro Game Squad: http://retrogamesquad.libsyn.com/ Playthrough Podcast: https://playthroughpod.com/ Retromags.com: https://www.retromags.com/ Games That Weren't - https://www.gamesthatwerent.com/ Sound Effects by Ethan Johnson of History of How We Play. Copyright Karl Kuras

Our podcast show being released today will focus on S.  919, the Guiding and Establishing  National Innovation for U. S. Stablecoins Act of 2025 or GENIUS Act which was reported out of the Senate Banking, Housing, and Urban Affairs Committee by a bipartisan vote of 18-6. The bill would establish a regime to regulate stablecoins.  Our guest today, Professor Art Wilmarth of George Washington University School of Law, published an op-ed on March 6 in the American Banker in which he wrote that the “..bill would allow stablecoins, which are volatile deposit-like instruments, to be offered to the public without the essential protections provided by federal deposit insurance and other regulatory safeguards regarding banks that are insured by the Federal Deposit Insurance Corp. By placing the federal government's imprimatur on poorly regulated and unstable stablecoins, the …bill would greatly increase the probability that future runs on stablecoins would trigger systemic crises requiring costly federal bailouts to avoid devastating injuries to our financial system and economy.” Our podcast show was designed to be of interest to both crypto neophytes and experts. During this podcast, we explore the following issues:            1. What are stablecoins, and what are their present and potential use cases?            2.  How do stablecoins differ from other types of crypto like bitcoin?            3. How many companies issue stablecoins today?  4. What is the total volume in dollars of outstanding stablecoins?  Has it been growing?  Do all stablecoin issuers also issue other types of crypto?            5. Do any banks issue stablecoins?  If not, why not? 6.  Are there any federal or state regulations that apply to stablecoins today?  What about state money transmitter laws?  7.  Do stablecoins provide a better way to improve the speed and reliability of payments compared to other ways of making payments? Do they offer any benefits that are NOT currently offered by tokenized bank deposits and the instant payment and settlement services offered by FedNow and the Clearing House's Real Time Payment Network?  How do stablecoins on public blockchains compare to tokenized deposits held on private electronic bank ledgers, in terms of safety, reliability, and efficiency. 8.   Professor Wilmarth describes a typical stablecoin transaction and the fact that stablecoin issuers often pay interest on stablecoins that are the equivalent of money market mutual funds and way more than banks pay on passbook or statement savings accounts or checking accounts.            9.  How do stablecoin issuers generate revenue? 10.   What are the potential risks of stablecoins, especially if they can be offered by nonbanks and are not covered by federal deposit insurance?  Would they present the same risks as money market funds, which the Fed and Treasury bailed out in 2008 and again in 2020? Have there been any examples of these risks being realized?  Have there been any failures? What happens if a stablecoin issuer fails?  Does bankruptcy law (as amended by the GENIUS Act), provide a feasible process for dealing with failures of stablecoin issuers?  If nonbank stablecoin issuers become large financial institutions and get into serious trouble, would the federal government be able to finance another series of massive bailouts similar to those of 2007-09 and 2020-21 without risking a crisis in the Treasury bond market and/or another surge of inflation? 11.  Will Big Tech firms issuing stablecoins be able to dominate our banking system and economy and would that necessarily be a bad thing? 12. Which firms are likely to be the most significant issuers of stablecoins if nonbanks are allowed to conduct that activity?  If Big Tech firms are allowed to offer stablecoins, could they use stablecoins to offer banking services and eventually dominate the banking industry?  What should we learn from China's experience with Ant Financial Group (Alipay) and Tencent (WeChat Pay), China's two largest Big Tech firms, which became dominant providers of financial services to Chinese consumers and households? 13.  We then discussed the so-called GENIUS ACT which the Senate Banking Committee passed by an 18-6 bipartisan vote on March 13. What are the major features of the Act?            14.  What are your major concerns about the bill? 15. What would the stablecoin market look like if Congress passed the GENIUS Act in the form that it was approved by the Senate Banking Committee? 16.  Should we require all issuers and distributors of stablecoins to be FDIC-insured banks?  Why do you believe that federal banking laws governing FDIC-insured banks provide a far better approach for regulating issuers of stablecoins? [After the recording of this podcast, the bill ran into rough sledding on the floor for a couple of weeks with some Senators, like Senator Elizabeth Warren, raising consumer protection issues similar to those raised by Professor Wilmarth and other Senators raising concerns about President Trump's family substantially benefiting from enactment of the bill. However, on May 19, after negotiations among Senate Democrats and Republicans to amend the Bill to add consumer protections, limits on tech companies issuing stablecoins and ethics standards for special government employees, like Elon Musk, the Bill advanced on a bipartisan procedural vote to prevent filibustering in the Senate, 66-32, making it likely that the Bill will pass the Senate by a super-majority vote. The fate of the Bill in the House is less certain.] Alan Kaplinsky, Senior Counsel and formerly the Chair for 25 years of the Consumer Financial Services, hosted the podcast show.

It takes $50 million to $100 million dollars, three to five years of losses and a complete commitment from the board to make it as a banking-as-a-service bank, the CEO of Pathward bank says in the latest American Banker podcast. 

President Trump is flirting with the idea of firing Fed Chairman Jerome Powell while the administration is attempting to lay off 90% of the CFPB's employees. John Heltman, Washington bureau chief of American Banker, and Kate Berry, the paper's consumer reporter, discuss what's next for these two agencies.

As the #2 credit union in Michigan, Michigan State University Federal Credit Union (MSUFCU) has 23 branches, 358,000+ members, $7.7B in assets, and 1,100+ employees.April Clobes, President and CEO of MSUFCU, discusses the history of the credit union and what the credit union offers to Michigan residents. She joined the Credit Union in 1996 and moved through many positions within the organization prior to being named President and CEO in 2015. She serves on five #FinTech Advisory Boards. Founded in 1937, MSUFCU has a national reputation for excellence including being named a Best Credit Union to Work For® by American Banker for the sixth year, a Top Workplace by the Detroit Free Press for 13 consecutive years, and a National Association for Business Resources/The Best and Brightest Programs Companies to Work For® winner for seven consecutive years.

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On this episode of Tartan Talk, Amanda '25 interviews Charu Goel, a trailblazer in finance and a powerful force in the payments industry. Recognized as one of the most influential women in payments by American Banker, Charu shares her journey of breaking barriers in a traditionally male-dominated field. Beyond her impressive career in finance, Charu is also a dedicated entrepreneur and advocate for education. She owns and operates two preschools, demonstrating her commitment to shaping young minds and creating opportunities for future generations. Tune into this inspiring story on breaking barriers, resilience, and how a fearless female leader and entrepreneur paves the way for future generations of female leaders.   This episode is part of a series entitled Bold & Boundless: In Conversation with Female Entrepreneurs created by Amanda '25. The other interviews are available on The Tartan. Tartan Talk dives into life at Stuart Country Day School of the Sacred Heart, a leading preschool to Grade 12 private school in Princeton, NJ designed just for young women. From behind the scenes in the arts to research-backed conversations on what girls and families need to lead with confidence and purpose, each episode brings fresh perspectives from our dynamic team of hosts.

In this episode of Money Tales, our guest is Brett King. What if, in 50 years, money as we know it no longer exists? Futurist Brett King believes we're heading toward a world where artificial intelligence automates nearly everything from jobs to healthcare to supply chains. As AI disrupts industries at an unprecedented scale, traditional employment may no longer be the main way people earn a living. Universal Basic Income, once a radical idea, may become essential just to keep economies running. But if automation provides food, shelter, and healthcare as a default, will we even need money? Or will wealth become something entirely different? In today's episode of Money Tales, Brett takes us on a journey into the future of money and what it means for all of us. Brett King is an International Bestselling Author, a world- renowned futurist and media personality. President Xi Jinping cited his book Augmented. He has spoken in over 50 countries, given keynotes for TEDx, Wired, Techsauce, Singularity University, Web Summit, The Economist, IBM's World of Watson, CES, SIBOS and more. He has appeared on CNBC, BBC, ABC, Fox, and Bloomberg. He advised the Obama administration on Fintech. King hosts the world's #1 Fintech Radio Show/Podcast called Breaking Banks (180 countries, 6.5 million listeners). He is the founder of Moven, a globally recognized mobile start-up, which has raised over US$40 million to date, and launched the first in-app mobile bank account offered anywhere in the world. Banking Exchange named him the King of the Disruptors, he was nominated as American Banker's Innovator of the Year, voted the world's #1 Financial Services Influencer by The Financial Brand and listed by Bank Innovation as one of the top 10 "coolest brands in banking". King was shortlisted for the Advance Global Australian of the Year for being one of the most influential Australians offshore. His book "Augmented: Life in the Smart Lane", was a top-10 non-fiction book in North America. Bank 4.0 remained a global bestseller in banking more than 12 months after release. "The Rise of Technosocialism", his 7th book was released November 2021.

A century ago, in March 1925, Charles G. Dawes was sworn in as vice president of the United States. Being elected vice president of the United States — as Dawes was, alongside Calvin Coolidge, in a landslide — is usually a career pinnacle for an American politician, but Dawes' vice presidency turned out to be more of a footnote in his eventful life. In the first part of this two-part podcast series — presented by R&T Deposit Solutions — Dawes biographer Annette Dunlap walks listeners through Dawes' early life, his big ideas in banking and his service as comptroller of the currency, and how he built up Chicago as a regional banking center. At this centennial moment, and in this 150th anniversary year for ABA, it's worth reflecting on the fascinating and complex life of Charley Dawes.

My newsletter: https://thelongstory.substack.com/   When JJ Hornblass got his first journalism job in the 1990s, his dad made a deal with him: he could spend a few years as a reporter, but he had to eventually make his way over to the revenue side of the media business. It only took JJ a few years to follow through on that deal.   While working as an editor at American Banker, he pitched his bosses on launching a print newsletter covering the mortgage securities market. When those bosses took too long to make a decision, he left his job to launch the newsletter on his own. Flash forward 30 years, and that newsletter has grown into Royal Media, a B2B media company that covers four niche industries.   In a recent interview, JJ explained where he found his initial subscribers for that first newsletter, how he expanded into new verticals, and why he's so focused now on building and selling access to data platforms.  

Welcome to Fintech Takes! I'm Alex Johnson, and today we're heading straight into the belly of the beast—Washington, D.C.—where regulators, banks, and fintechs are jockeying for position. Joining me is Rob Blackwell, a 20-year American Banker veteran, Intrafi's Chief Content Officer, and host of the Banking with Interest pod. Today, we're diving into the big four: CFPB, OCC, FDIC, and the Fed. Regulatory shifts are moving fast, so by the time this airs, this could all be outdated—but hey, c'est la vie! First up, the push to gut the CFPB is gaining ground in some circles, but even banks and credit unions see value in maintaining a referee. Will the CFPB be sidelined (to, ahem, crypto's benefit) or bounce back with a vengeance? Rob's take is that it'll be weakened, not wiped out—it's too useful politically. Next, the FDIC's tailored supervision shouldn't mean loosening oversight, especially where fintech partnerships are involved. Small banks aren't JPMorgan, but they still need scrutiny. Same goes for the OCC, where new leadership is prioritizing collaboration with banks while pushing for targeted regulation to keep things fair. No wild cards here; Trump's picks are pragmatic, not radical. Finally, the FDIC and Fed are pushing for clearer rules and more transparency, aiming to rein in overreach without forcing banks into unwanted partnerships. The challenge: giving banks discretion while preventing regulators from nudging them into silent exclusions. Bottom line? The rules are changing, but power plays never do. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Rob: LinkedIn: https://www.linkedin.com/in/rob-blackwell-63884826/ X: https://x.com/robblackwellab   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

An academic-turned-practitioner, Michelle Frasher, PhD, CAMS brings over 20 years of subject expertise in geopolitics, finance, terrorism, and data privacy with leadership experience in leading multi-disciplinary teams to build AML/CFT and Sanctions compliance products and services for a global clientele. She is currently the Head of Compliance and Regulatory Strategy at the AI regulatory technology firm, Silent Eight, and previously held key leadership positions at LexisNexis Risk Solutions as Director of Global Content for WorldCompliance, and Sr. Director of Financial Crime Compliance Practice at Moody's Analytics, where she led program implementation, regulatory analysis and engagement, product development, and client consultations on best practices across multiple business lines and sectors. An experienced speaker and author, Dr. Frasher's work has been featured in Harvard Business Review, American Banker, CoinDesk's Consensus, and SWIFT's Sibos, among others. She is an expert with the EU AML/CFT Global Facility on Beneficial Ownership, Privacy and Data Sharing, an external analyst with Oxford Analytica, a Forbes Business Council Member, and a standing member of the Privacy Research Group at the NYU School of Law. Frasher earned a PhD in history focusing on International Political Economy from Texas A&M University, holds multiple MA and BA degrees in political science, history, and foreign languages, and is a Certified Anti-Money Laundering Specialist. In 2014, she was Fulbright-Schuman Scholar to Belgium and Malta (sponsored by the US State Department and European Commission) on US-EU financial data sharing for transatlantic counter-terrorism cooperation. Listen to this insightful RIA episode with Dr. Michelle Frasher about navigating financial crime compliance with AI. Here is what to expect on this week's show: - How Silent Eight uses human-centered and explainable AI to help global banks detect and manage risks related to money laundering, financing terrorism, and sanctions. - How Silent Eight's AI solutions provide a comprehensive audit trail, ensuring transparency and regulatory compliance. - Why it's critical to translate complex regulations into actionable policies and procedures for financial institutions. - How the new AML/CFT regulatory rules for RIAs take effect on January 1st, 2026, with significant implications for the industry. - How the evolving regulatory environment underscores the need for RIAs to enhance their compliance procedures and staff training. Connect with Dr. Frasher: Links Mentioned: https://www.silenteight.com/ X: @_SilentEight LinkedIn: linkedin.com/company/silenteight Learn more about your ad choices. Visit megaphone.fm/adchoices

Join industry experts Theodora Lau, founder of Unconventional Ventures and co-author of The Metaverse Economy and Beyond Good, and Julie Muckleroy, Global Banking Strategist at SAS as they explore the critical crossroads of AI in banking for 2025. This podcast delves into how banks are shifting from AI hype to strategic implementation, focusing on building foundational elements like data governance and trust. The conversation examines how mature approaches to AI can align investment with board priorities, select strategic use cases, and ultimately deliver meaningful return on investment while navigating complex regulatory landscapes. Key Insights: - How banks can align AI strategies with business priorities - Potential benefits and risks of AI technology - Innovative applications supporting small businesses, fraud prevention, and customer experience - Social good opportunities in AI development Dive into the future of banking technology with this must-listen podcast episode. Relevant Links: 2025 Trends in Global Banking | SAS   Speakers' Bio Theodora Lau, Founder, Unconventional Ventures Theodora Lau is the founder of Unconventional Ventures, a public speaker, and an advisor. She is the co-author of The Metaverse Economy (2023) and Beyond Good (2021), and host of One Vision, a podcast on fintech and innovation. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity. She is named one of American Banker's Most Influential Women in FinTech in 2023. She is also a regular contributor and commentator for top industry events and publications, including BBC News, Finovate, American Banker, and Journal of Digital Banking. Julie Muckleroy, Global Banking Strategist, SAS With a background in marketing leadership roles at SaaS organizations and large US banks like Bank of America and Wells Fargo, Julie brings extensive knowledge and expertise in global banking trends and marketing strategies. She evaluates the future state of banking as a strategist at SAS.   Over the years, GARP and SAS have partnered to bring risk practitioners unique insights on a variety of topics related to risk management. Now we present a series of podcasts focused on making financial risk-based decisions in light of the rapid evolution of artificial intelligence and machine learning. About SAS SAS is a global leader in data and AI. We help organizations transform data into trusted decisions faster by providing knowledge in the moments that matter. No matter how you prioritize risk, SAS has proven solutions and best practices to help organizations establish a risk-aware culture, optimize capital and liquidity, and meet regulatory demands. SAS® provides on-demand, high-performance risk analytics to ensure greater efficiency and transparency. Strike the right balance between short- and long-term strategies.

Kate Berry, a reporter for American Banker, and Christopher Williston, the CEO of the Independent Bankers Association of Texas, go in-depth to discuss the CFPB's final Section 1033 rule, which implements open banking. They tackle which institutions are most at risk from the final rule, why trade groups are suing to block it, and how the CFPB is responding to bank fears it will spur more fraud.

Today's show is our special 500th episode of the Fintech One-on-One podcast. Rather than do a retrospective or a look back at some highlights from the last 11 years of interviews what I decided was to do my regular interview but with a fintech pioneer. I wanted a big name so I was delighted when the CEO and Founder of Cross River Bank, Gilles Gade, decided to join me.I first interviewed Gilles (along with Adam Goller) on the show way back in Episode 32 in March 2015. A lot has changed since then as Cross River Bank has become a market leader in Banking-as-a-Service (BaaS) and they have expanded way beyond their initial focus on marketplace lending.A lot has happened in the BaaS space over the last year and we discuss this in depth as Gilles shares his thoughts on the past, present and future of bank-fintech partnerships. And much more.Enjoy episode 500!In this podcast you will learn:The origin story of Cross River Bank.How Cross River has been able to stay as a leader in the fintech lending space for over a decade.The staggering numbers of loans that have flowed through Cross River.How they expanded beyond the lending space.How they developed their payments capabilities.Why they moved away from the core providers to develop their own banking core.The points he was making in his recent American Banker op-ed.The lessons learned from the recent challenges in the BaaS space.Gilles' thoughts on the higher bar now required to work with a BaaS bank.What was behind their decision to start an investment bank earlier this year.The scale that Cross River Bank is at today.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

On this episode of Gen X Amplified, we are back for another #FabulousOver40 Fireside Chat edition, featuring my conversation with Cate Luzio —who is the Founder and CEO of Luminary, a membership-based global education and professional networking platform for women and their allies. And Cate is also one of the shining stars I previously featured in the #FabulousOver40 Spotlight Series on LinkedIn. About Cate Luzio Cate is the Founder and CEO of Luminary, a membership-based global education and professional networking platform for women and their allies, which she launched and self-funded in 2018. Luminary's mission is to address the systemic challenges impacting women across all industries and sectors—while also up-lifting, up-skilling, and propelling women forward through all phases of their professional journeys. Members of Luminary reflect a multigenerational and intersectional community of intrapreneurs, entrepreneurs, and organizations including UBS, JPMorgan Chase, Unilever, Verizon, Goldman Sachs, Mastercard, and others. As CEO, Cate achieved a significant milestone for the business as Luminary recently announced their acquisition of The Cru, the enterprise peer-coaching service founded by Tiffany Dufu that places women in small accountability cohorts. And Tiffany also happens to be one of the phenomenal leaders previously featured in this #FabulousOver40 Spotlight Series. Prior to launching Luminary, Cate cultivated a two-decade successful career as a financial services executive leading global multibillion-dollar businesses. Most recently, Cate served as Global Head of Multinational Corporate Banking for HSBC, where she managed more than 2,000 employees worldwide. Prior to HSBC, she was Head of Multinational Corporate Banking at J.P. Morgan EMEA based in London. Cate initially began her career in China working in tech and then relocated to Latin America with Bank of America to work across both consumer and wholesale banking. No stranger to reward and recognition, Cate was named as American Banker's ‘Most Powerful Women in Banking' multiple years in a row, and is a three-time Financial Times Global Diversity Champion, and a two-time Yahoo Finance Diversity Hero. Cate also serves on the National Board for Girls Inc., is a WE.NYC mentor, and sits on the Boards of Pomp & Whimsy and WaterAid. Having pivoted from a notable career as a financial services corporate leader to become a fearless force championing women in the workplace, Cate stands as a testament to transformative leadership. Cate's Personal Theme Song “Welcome to the Jungle”, by Guns N' Roses Thank you for listening! Thank you so very much for listening to the podcast. There are so many other shows out there, so the fact that you took the time to listen in really means a lot! Subscribe to Gen X Amplified!

In the latest episode of "The Bankers' Bookshelf," host Paolo Sironi converses with Brett King, the originator of the Breaking Banks brand, about King's upcoming book "Branch Today, Gone Tomorrow." This book, a refreshed edition of his 2011 release, examines the dramatic reduction in physical bank branches over the past decade, driven by the rise of digital and mobile banking. King discusses the predictions he made in 2011, such as the halving of U.S. bank branches by 2030, which appear to be on track. The conversation explores the global trends in branch closures, highlighting significant decreases in countries like Italy and Germany, while noting exceptions such as India. King emphasizes the shift towards digital banking and the increasing role of AI, predicting that future banking will be largely autonomous. The episode underscores the need for a balanced transition to ensure financial inclusion, particularly in regions with aging populations and limited digital access. About the Author: Brett King is an International Bestselling Author, a world- renowned futurist and media personality. President Xi Jinping cited his book Augmented. He has spoken in over 50 countries, given keynotes for TEDx, Wired, Techsauce, Singularity Universi-ty, Web Summit, The Economist, IBM's World of Watson, CES, SIBOS and more. He has appeared on CNBC, BBC, ABC, Fox, and Bloomberg. He advised the Obama administration on Fintech.King hosts the world's #1 Fintech Radio Show/Podcast called Breaking Banks (180 countries, 6.5 million listeners). He is the founder of Moven, a globally recognized mobile start-up, which has raised over US$40 million to date, and launched the first in-app mobile bank account offered anywhere in the world.Banking Exchange named him the King of the Disruptors, he was nominated as American Banker's Innovator of the Year, voted the world's #1 Financial Services Influencer by The Financial Brand and listed by Bank Innovation as one of the top 10 "coolest brands in banking". King was shortlisted for the Advance Global Australian of the Year for being one of the most influential Australians offshore. His book Aug-mented: Life in the Smart Lane, was a top-10 non-fiction book in North America. Bank 4.0 remained a global bestseller in banking more than 12 months after release. The Rise of Technosocialism, his 7th book was released November 2021.

Dr. Joey's guest on this episode of the Work Positive Podcast is Heather Andrade-Neumann, Executive Vice President, Chief People Officer of Golden 1 Credit Union in Sacramento. She oversees HR business partners talent acquisition, diversity, equity, and inclusion, organizational effectiveness, total rewards, people analytics, enterprise development, internal communications, and HR operations. That's a lot of responsibilities, right? HR leaders are in charge of many essential functions. So how do you lead all of them? Heather leads as a catalyst to create a positive, collaborative work environment that attracts, develops, and retains a dynamic workforce. She does it so well that Golden 1 was recognized as one of Forbes' “Best-in-State Employers” in California for the fourth year in a row and named one of American Banker's “Best Credit Unions to Work For” for the second consecutive year. Listen to her conversation with Dr. Joey and discover the importance of leading your teams to:

Claire Williams, Capitol Hill reporter for American Banker, and Brendan Pedersen, who covers financial services for Punchbowl News, discuss the latest on financial policy. Will Christy Romero Goldsmith be confirmed to lead the FDIC? Is Basel III Endgame dead? How could Sen. J.D. Vance as vice president impact bank policy going forward?

Kevin Werbach speaks with Scott Zoldi of FICO, which pioneered consumer credit scoring in the 1950s and now offers a suite of analytics and fraud detection tools. Zoldi explains the importance of transparency and interpretability in AI models, emphasizing a “simpler is better” approach to creating clear and understandable algorithms. He discusses FICO's approach to responsible AI, which includes establishing model governance standards, and enforcing these standards through the use of blockchain technology. Zoldi explains how blockchain provides an immutable record of the model development process, enhancing accountability and trust. He also highlights the challenges organizations face in implementing responsible AI practices, particularly in light of upcoming AI regulations, and stresses the need for organizations to catch up in defining governance standards to ensure trustworthy and accountable AI models. Dr. Scott Zoldi is Chief Analytics Officer of  FICO, responsible for analytics and AI innovation across FICO's portfolio. He has authored more than 130 patents, and is a long-time advocate and inventor in the space of responsible AI. He was nomianed for American Banker's 2024 Innovator Award and received Corinium's Future Thinking Award in 2022. Zoldi is a member of the Board of Advisors for FinReg Lab, and serves on the Boards of Directors of Software San Diego and San Diego Cyber Center of Excellence. He received his Ph.D. in theoretical and computational physics from Duke University.   Navigating the Wild AI with Dr. Scott Zoldi   How to Use Blockchain to Build Responsible AI   The State of Responsible AI in Financial Services

Penny Crosman, executive editor of technology at American Banker, goes behind the scenes on a case of Zelle fraud that cost a consumer thousands of dollars—and what it means for a coming policy fight between the big banks and Washington over the real-time payment system.

This episode of Fintech Layer Cake features host Reggie Young in conversation with Polo Rocha, a reporter at American Banker. They dive into the current bank earnings season, discussing the financial health of regional banks post-Silicon Valley Bank collapse, key metrics in bank earnings, and overarching trends in the banking industry. Polo offers expert insights into how public bank disclosures reflect broader trends affecting regional and fintech sponsor banks. The discussion also covers regulatory changes, profitability pressures, and the future challenges banks may face in 2024.

John Heltman and Claire Williams, two journalists with American Banker, discuss the outlet's recent series on populism and how it impacts banks. They tackle why the banking industry is so often the target of populist politicians from both the left and the right, how populism is changing the debate on various bank policy debates now, and what comes next.

In this episode of "Investing In Integrity", Ross Overline revisits our all-time favorite episode with Richard Davis, the former Chairman and CEO at US Bank. Richard sits on several boards including Wells Fargo, MasterCard, Dow Chemical Mayo Clinic, and the Advisory Board of Scholars of Finance. A giant figure in the banking industry, Richard is renowned for his financial know-how and excellent leadership. Richard has now retired from the financial industry having left a lasting legacy, he steered US Bank through the financial crisis of 2008, winning the coveted award “Banker of the year”, selected by American Banker and was the chosen "2010 Executive of the Year" by the Twin Cities Business Journal. In this episode, Richard shares his rise from bank teller to CEO of one of the biggest banks in America. He touches on leading the U.S. Bank through the Great Recession and his support of employees and customers through social unrest in the 2010s. His insightful, pointed commentary on why “we shouldn't set goals, but directions,” or why we should always be the person to “take the next hardest assignment, not promotion,” is relevant to students and professionals alike. Considered a co-founder, Richard was one of the first supporters of Scholars of Finance. 

Amy is joined by philosopher and author Mehrsa Baradaran to discuss her latest book, The Color of Money: Black Banks and the Racial Wealth Gap, and explore the history of Black banking, intersections of race, gender, and economics, as well as how we can take control of our economic future to create a more equitable world for all.Mehrsa Baradaran is a professor of law at UC Irvine Law School. She writes about banking law, financial inclusion, inequality, and the racial wealth gap. Her scholarship includes the books How The Other Half Banks and the award-winning The Color of Money: Black Banks and the Racial Wealth Gap, both published by the Harvard University Press. Baradaran and her books have received significant national and international media coverage and have been featured in The New York Times, The Atlantic, Slate, American Banker, The Wall Street Journal, and Financial Times. On NPR's Marketplace, C-SPAN's Washington Journal, and PBS's NewsHour, and as part of TEDx at the University of Georgia. She has advised US senators and congressmen on policy, testified before the US Congress, and spoken at national and international forums like the US Treasury and the World Bank.

Kate Berry, who covers the CFPB for American Banker, goes behind the scenes on the consumer agency's latest proposals to limit overdraft fees and institute new limits around nonsufficient funds transactions.

This Flashback Friday episode is from episode 806 published last March 20, 2017. To kick things off, Jason shares a Wallethub article which lists cities with the highest and lowest credit scores. Memphis credit scores are some of the lowest in the US which is why it is a good place to invest in income properties. And, Jason's guest today is the first banker in history to expose the monumental story of Swiss bank secrecy. When Bradley Birkenfeld became aware of the shady practices of Swiss accounts he went directly to the Department of Justice. What happened after led him to expose the secret connection between the US and Swiss Governments and how taxpayers in both countries foot the bill for the illegal activities of bankers. Key Takeaways: Jason's editorial 2:18 Details about the upcoming Creating Wealth Seminar and Memphis Property Tour. 6:33 A Survey by Wallethub lists these cities as having the highest and lowest credit scores. Bradley Birkenfeld Guest Interview: 12:20 A history lesson about the beginning of Swiss banking anonymity. 15:22 The Department of Justice turned Bradley away. 16:28 The banking system and the federal government are closely related. 19:26 Secret numbered Swiss accounts allow for non-traceable illegal activities. 23:48 Bradley was forced to go to the Senate because the DOJ is corrupt. 27:21 Proof the American people were screwed by the Obama administration. 29:05 The U. S. Government and the Swiss Government are in bed together. 34:04 Wikileaks documents show Hillary Clinton was involved in UBS. Mentioned in This Episode: Jason Hartman Lucifer's Banker Articles: 2017's U.S. Cities with the Highest and the Lowest Credit Scores.   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

This week, Felix Salmon, Emily Peck, and Elizabeth Spiers are joined by American Banker national editor Kevin Wack to discuss all things banking, including retail banking, why it's so difficult to switch banks and why neobanks aren't more successful. They also discuss the Wells Fargo fake accounts scandal.   In the Plus segment: the lead up to the Silicon Valley Bank downfall.   Podcast production by Anna Phillips and Patrick Fort. Learn more about your ad choices. Visit megaphone.fm/adchoices