Podcasts about banks

6.24.2026 #RolandMartinUnfiltered: NC Targets DEI. Trump Blocks Housing Bill. Minority Banks Face New Rules. Kohen Wiley Protests_ For free and unbiased Medicare help, dial (724) 264-8281 to speak with my trusted partner, Chapter, or go to https://askchapter.org/roland *Paid Partnership*_ Lawmakers in North Carolina unleash the latest attack on black America, approving a law to eliminate DEI in the state's higher education system. Trump's State Department is refusing to pay out money allocated for foreign aid. The author of a bombshell new ProPublica investigation joins us Lawmakers grill Trump's postmaster general over the latest MAGA attack on mail-in voting. We'll show you the video from Capitol Hill. Federal officials have changed the requirements for who can qualify as a minority-owned bank. The president and CEO of the National Bankers Association will break it all down for us. Both the House and Senate passed a crucial Housing bill, but Crybaby Trump refused to sign it into law Protests continue in Mississippi following the death of Kohen Wiley. We'll talk to one of the organizers on the ground. Black Star Network Partner: ChapterChapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.____Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Crypto News: Senator Lummis says the Clarity Act will move in the Senate in July. Bitcoin dumps below $60,000 and $12.6 trillion Charles Schwab officially rolls out Bitcoin trading.Brought to you by

Many people use banks or credit unions to manage their money. But soon, these same institutions could help some people manage their cryptocurrency. A new law taking effect Aug. 1, 2026, in Minnesota lays out the rules for financial institutions wanting to become so-called “crypto custodians.”Advocates for the legislation say it's an important step in ensuring local banks and credit unions stay competitive against national crypto companies. Minnesota Department of Commerce Deputy Commissioner Michael Crow spoke to MPR News host Nina Moini about the new regulations and what it could mean for the state's economy.

Matt is joined by Dave Rush from Best on Tour to recap a wild week in professional bass fishing.Check out BEST ON TOUR:https://bestontour.net/In the second half of the show, Tom Brewbaker from Fishing Chaos joins the program to talk about what is coming up.  

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Santhosh Srinivasan, VP of Treasury at Nium, joined us to discuss the firm's partnership with Coinbase to enable USDC payments for banks, fintechs, and enterprises worldwide.Topics:- Nium's partnership with Coinbase and Circle and enabling stablecoin payments - The future of payments with stablecoins and tokenized deposits - Institutions adopting stablecoins and cryptoBrought to you by

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you still inside every client relationship because no one on your team has been given the room to own one? Have you hired people who look great on paper only to later discover the skills do not actually transfer? Today's featured guest built her agency deliberately, one client at a time, carrying systems from her years at L'Oréal before anyone told her those systems would matter. She talks about how she structured accountability on her team from the beginning, how she filters out candidates who cannot think without AI holding their hand, and why she stopped caring about working with the sexiest beauty brands and started caring about working with the right ones. Mimi Banks is the founder and CEO of MB Social, a New York-based social media agency specializing in beauty. She spent years at L'Oréal, where she was among the first people to build social media infrastructure at the company, then moved to a Paris-based startup before eventually launching MB Social. Her team of 25 now handles social strategy, community management, and content for beauty brands across the market. In this episode, we'll discuss: Starting off with a vision on accountable vs responsible Can your team do 80% of what you do? Then you're set Why she stopped chasing the wrong clients Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Building From the Beginning with Systems, Not Just Instinct Mimi came into agency ownership with something most founders spend years trying to build after the fact: a working model for how things should get done. Her time creating social media infrastructure at L'Oréal gave her a process orientation before she had a team to apply it to. When she started bringing people on at MB Social, the systems came with her. The ways of working, the documentation, the clarity around who was responsible versus who was accountable: those were in place because she had already built them once somewhere else. For instance, she started off with clarity on the distinction between responsible and accountable. She positioned herself as accountable from day one while making sure there was always a specific person responsible for each piece of work. That structure kept her from becoming the default executor on everything, which is the trap most founders walk into when they hire without clarifying ownership. The 80 Percent Standard That Actually Frees You Mimi is far enough along in her evolution that she no longer reviews most of what her team produces. She trusts the people leading each department to make judgment calls without routing them upward. Getting there required learning to live with the gap between what she would do and what her team does, and deciding that gap was acceptable. This is a framing every mastermind member knows: if your team does 80 percent of what you would do, that is good enough. Because you cannot do a hundred percent of everything, and the cost of trying is that you stay in the operator role indefinitely. The coaching method Mimi asks her leadership team to apply is asking questions. Similar to the Mastermind's 1-3-1 method, it's basically about asking questions that will help your team come up with options they have already considered, which leads to them coming up with the solution on their own. Do that enough times and the team stops treating the founder as the answer key. Hiring for Beauty When Everyone Says They Know Social The challenge Mimi keeps running into in hiring is the gap between what candidates say they can do and what the work actually requires. Social media for enterprise beauty brands is not the same skill as posting on a personal Instagram. The strategy is more complex, the client demands are higher, and the responsiveness required is relentless. Candidates do not always know that going in, and some of them figure it out in ways that are expensive to the team. The hiring process she built with Hireflex added a video interview layer with no retry option that filters for candidates willing to do the uncomfortable thing even when it is not required. From there she takes the transcripts, runs them through AI against a scoring rubric tied to the job description, and uses that data alongside her own read to make decisions. What she is testing for is the ability to think, not just to produce a clean output with AI assistance. The perfect presentation that does not match the resume tells her nothing useful. The candidate who works through a problem imperfectly, in their own words, tells her a great deal. Designing the Agency Around the Clients You Actually Want Mimi stopped chasing the sexiest beauty brands. Not because she cannot get them, but because sexy and right are not the same thing. Payment terms that stretch to 120 days, clients who treat the team poorly, brands that want work done yesterday and deliver assets a month late: those are not problems that prestige solves. She now runs the agency with a no bullshit attitude and is quick to address when a client's behavior affects her team. That boundary is what makes it possible to keep the team she has built. The version of client selectivity that actually holds is based on being clear enough on what you are building that you can recognize a client who does not fit before the contract is signed. After all, client relationships are like dating: you have to see if you get along before you commit, because the worst version of a client relationship looks a lot like a bad marriage, and the damage it does to a team is not undone when the contract ends. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Erin Brockovich (2000) (directed by Steven Soderbergh) is based on the true story of Erin Brockovich, a legal assistant without formal training, who uncovers one of the most significant environmental lawsuits in U.S. history: the case against Pacific Gas and Electric for contaminating groundwater in Hinkley, California. The film, which features an Oscar-winning performance by Julia Roberts in the title role, explores the role of lawsuits in exposing truth and gaining compensation for victims, the gendered dynamics of legal advocacy, and the challenges of taking on entrenched power structures in society.Timestamps:0:00     Introduction1:59       Who is Erin Brockovich?3:11       Obstacles to holding corporations accountable5:49      How Erin Brockovich overcomes those obstacles8:10      Imbalance of power and resources14:40    Hinkley, California18:00    Accessing records21:16     Tort reform, punitive damages, and proportionality27:10     States and environmental regulation32:22    Causation and attribution science37:30    Whistleblowers              41:17      Finding the “smoking gun”42:53    The practice of law and parentingFurther reading:Banks, Sedina “The ‘Erin Brockovich Effect': How Media Shapes Toxics Policy,” 26 Environs Env't L. Poly' J. 219 (2003)Brockovich, Erin and Eliot, Marc, Take It from Me: Life's a Struggle but You Can Win (2002)Chen, Sarah Small, “Toxic Film: Analyzing the Impact of Films Depicting Major Contamination Events on the Regulation of Toxic Chemicals,” 35 Georgetown Env't L. Rev. 561 (2023)"'Erin Brockovich' Made their Town Famous: They Still Don't Have Clean Water,” Wash. Post (Dec. 27, 2024)Martens, Daniel L. “Chromium, Cancer, and Causation: Has a Death-Blow Been Dealt Chromium Cases in California?” 16 Natural Resources & Env't 264 (2002)McCann, Michael McCann & Haltom, William, “Ordinary Heroes vs. Failed Lawyers – Public Interest Litigation in Erin Brockovich and Other Contemporary Films,” 33 Law & Soc. Inquiry 1045 (2008)“Still Toxic After All These Years,” Grist (Jan. 29, 2019)Law on Film is created and produced by Jonathan Hafetz. Jonathan is a professor at Seton Hall Law School. He has written many books and articles about the law. He has litigated important cases to protect civil liberties and human rights while working at the ACLU and other organizations. Jonathan is a huge film buff and has been watching, studying, and talking about movies for as long as he can remember. For more information about Jonathan, here's a link to his bio: https://law.shu.edu/profiles/hafetzjo.htmlYou can contact him at jonathanhafetz@gmail.comYou can follow him on X (Twitter) @jonathanhafetz You can follow the podcast on X (Twitter) @LawOnFilmYou can follow the podcast on Instagram @lawonfilmpodcast

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crypto News:The Senate is holding emergency meetings this week ont he clarity act. Tech, crypto firms to help tackle illegal wildlife trade. Japan's National Business Corporate Pension Fund to allocate 1% of its assets to cryptocurrencies.

How often have you assumed you knew what someone meant, only to realize later that your interpretation wasn't the full story?In this episode of Shots of Serenity, we're continuing our season exploring the power of language, life themes, and social concepts by diving into one of the biggest influences on our relationships and emotional wellbeing, perception.You've probably heard the saying, "When you assume, you make an ass out of you and me," or "Perception is reality." But what do these phrases actually mean in our everyday lives?Together, we'll explore how our minds gather and interpret information, how past experiences shape the stories we tell ourselves, and why our perception often becomes the foundation for how we respond to others. When two people are operating from different interpretations of the same situation, misunderstandings can easily take root. This episode offers practical reflection prompts to help you pause before reacting, seek clarity with both yourself and others, and cultivate more intentional communication.✨ Stay Connected with Shots of Serenity ✨Thank you so much for tuning in! If today's episode resonated, please share it with someone you love and subscribe on your favorite platform — iTunes, SoundCloud, Spotify, or Google Play.

Pack Nation, Big Sal is breaking down the single biggest question mark on the entire Green Bay Packers roster: Aaron Banks and his $77 million contract. After a injury-plagued first year where he played just 57% of snaps and battled back, ankle, groin, and knee issues, 2026 is the ultimate prove-it season for the veteran guard. Banks' early-season struggles vs. his late-season dominance, including a standout Wild Card performance against the Bears The massive dead money implications ($36+ million) and why the Packers are all-in with no escape hatch How one healthy, consistent season from #65 could transform the offensive line, protect Jordan Love, and unlock the entire offense for Josh Jacobs and the passing game The high-stakes gamble of premium free agent money and what it means for Love's prime years This episode is brought to you by PrizePicks! Use code PACKDADDY and visit https://prizepicks.onelink.me/LME0/PACKDADDY to get started with America's #1 fantasy sports app. If you love this raw, in-depth football talk that the national guys won't touch, smash that subscribe button right now, leave a 5-star review, and tell them Big Sal sent you. It keeps the Packernet machine rolling. What's your take on Banks in 2026? Drop it in the comments. To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast  

Martin Cheara is the President of Express Capital Financing, where he helps business owners secure strategic financing solutions tailored to their operational and growth needs. His experience spans working capital solutions, equipment financing, and alternative lending programs designed to help companies access capital quickly and efficiently. With a strong understanding of the small business funding landscape, Martin brings a practical and relationship-driven approach to helping entrepreneurs navigate financing challenges and identify the right funding strategies for their businesses. Martin's perspective would be especially valuable for conversations around alternative lending, business financing strategies, access to capital, and how entrepreneurs can better position themselves for funding opportunities in today's market. During the show we discuss: Why real estate financing is more about the deal than your personal profile How fix-and-flip funding actually works (and how to qualify) The difference between bridge loans, DSCR loans, and construction financing Why today's market offers more flexible lending options than ever before How to structure deals so lenders are more likely to say yes What new investors get wrong—and how to get funded even without deep experience Why relationships and strategy matter more than just "shopping rates" How to transition from short-term flips to long-term cash flow investments Resources:  Website: https://expresscapitalfinancing.com/  LinkedIn: https://www.linkedin.com/in/martin-chera-05647289/

Pack Nation, Big Sal is breaking down the single biggest question mark on the entire Green Bay Packers roster: Aaron Banks and his $77 million contract. After a injury-plagued first year where he played just 57% of snaps and battled back, ankle, groin, and knee issues, 2026 is the ultimate prove-it season for the veteran guard. Banks' early-season struggles vs. his late-season dominance, including a standout Wild Card performance against the Bears The massive dead money implications ($36+ million) and why the Packers are all-in with no escape hatch How one healthy, consistent season from #65 could transform the offensive line, protect Jordan Love, and unlock the entire offense for Josh Jacobs and the passing game The high-stakes gamble of premium free agent money and what it means for Love's prime years This episode is brought to you by PrizePicks! Use code PACKDADDY and visit https://prizepicks.onelink.me/LME0/PACKDADDY to get started with America's #1 fantasy sports app. If you love this raw, in-depth football talk that the national guys won't touch, smash that subscribe button right now, leave a 5-star review, and tell them Big Sal sent you. It keeps the Packernet machine rolling. What's your take on Banks in 2026? Drop it in the comments. To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast  

In honor of Father's Day today, I am rebroadcasting one of my favorite interviews I've ever done, first aired in 2024, and one of the only times I've had a father on the show to share his experience of what it was like to support his birthing partner. Couple Marion and Banks together share the sweet, intimate conception and homebirth story of their daughter. Banks was Marion's sole support person during the birth and shares what it was like to witness, hold space, and play a vital role in this transformative experience. I got to ask Banks some of the questions I've always wanted to hear from a conscious, intentional father about birth. Among other things, he shares: • How witnessing his partner birth their baby at home, sovereignly, helped heal generational birth trauma from his family of origin • How this birth experience transformed their relationship • What he would say to other fathers who carry fear around childbirth This is a wonderful story to share with the men in your life! If you love the show, I would greatly appreciate a review on  Spotify or Apple Podcasts!  Follow me on Instagram @healingbirth Do you have a birth story you'd like to share on the podcast, or would like to otherwise connect? I love to hear from you! Send me a note at contactus@healingbirth.net Intro / outro music: Dreams by Markvard Podcast cover photo by Karina Jensen @karinajensenphoto    

Bernardo Brites breaks down why the Brazilian real is uniquely positioned for a stablecoin, why being pro-banking rather than anti-banking is the only path to the next hundreds of millions of stablecoin users, and how Trace processed $10B of payment volume on just $4M in seed capital before closing a $32M Series A.Bernardo Brites is Co-Founder of Trace Finance, a cross-border payments and stablecoin infrastructure platform for companies in Brazil, LatAm, and beyond.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro01:27 Ten Years In Crypto05:22 Brazil Cross-Border Is Here08:35 Brazil's Toughest Regulated Market10:37 $32M Series A Breakdown13:34 $10B On $4M Raised17:05 Compliance Shouldn't Be Bottleneck22:06 BRL Stablecoin Unique Case24:14 Singapore Best Cross-Border Hub26:08 Regulated Both Sides WinsGuest Socials:Bernardo Brites Socials: https://x.com/bebritesTrace Finance Socials: https://x.com/FinanceTraceTrace Finance Website: https://www.tracefinance.com/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_i...---

Élisabeth Jacquet de la Guerre isn't a name many will recognise — despite an opera that reached the Paris stage in 1694, two books of biblical cantatas published three years apart, in 1708 and 1711, and a career that ran for decades either side of those dates. The point this episode seeks to highlight is that legacy isn't always guaranteed. You'll need more than talent writing and managing business, but history needs to preserve your role and if it doesn't you'll need some champions further down the line. Taken into Louis XIV's court in her teens, she went on dedicating nearly everything she published to the king, managing the patronage as deliberately as she wrote the music. But history has to a large extent still buried her achievements. This podcast episode highlights a forthcoming run of stage settings of three of these biblical cantatas in a production entitled ‘Belly of the Beast' It is the work of writer and producer Toria Banks (Hera) and director Jennifer Fletcher, who working with Mahogany Opera and Dunedin Consort stage Jonah, from the 1708 book, and Adam and Jephtha, from 1711. None of them has been performed in English before. Adam, as far as anyone in the room can establish,  hasn't been performed at at all since the eighteenth century.Banks wrote the English text — her second outing with de la Guerre's biblical cantatas, after staging two others from the 1708 book, Susanna and the Elders, and Judith, in 2023. This distinctive production will run in six venues in Edinburgh, Aldeburgh, Spitalfields, Perth, Glasgow, Whitehaven.

Most banks know far more about their customers than the customer ever feels. In this Banking Insight Video, I look at why relationship banking often feels programmed, from the quarterly business banker check-in that goes to voicemail to the small human moments customers actually remember.Using examples from Ritz-Carlton, Delta, Nordstrom, Disney and TD Bank's Automated Treat Machine, this episode explores what banks can learn from companies that make ordinary interactions feel personal. The point is not to copy those examples. It is to rethink how banks use customer data, technology, frontline judgment and employee empowerment to make customer experience feel more human.For bank executives, retail banking leaders, marketers, digital teams and frontline managers, this is a practical conversation about relationship management, personalization, customer loyalty, surprise and delight, and the human moments banks keep missing.

Depending on whose view you subscribe to, agentic AI is either the breakthrough banks have been waiting for in operations (and customer service), or the perennial solution in search of a problem. Join our three fintech rockstars as the get to the bottom of what agentic AI means in 2026—and whey the hype pits justification versus a lack of tech realization.

SEC Commissioner Hester Peirce breaks down the state of digital asset regulation in the USA. She joins us to talk through the Rule 611 trade-through proposal that's been 20 years in the making, why the innovation exemption is deliberately narrow, her views on synthetic tokenized securities, and why self-custody and financial privacy are non-negotiable principles she wants embedded into every regulatory regime that follows. Hester Peirce is an SEC Commissioner and founder of the SEC's Crypto Task Force, widely known in the digital assets industry as 'Crypto Mom'.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro02:21 Rule 611 Proposal Explained08:23 Innovation Exemption Myths Busted14:37 Remaining Priorities At SEC17:18 Term Ending Before Year-End20:03 Best Practices For Companies23:37 Chairman Atkins Will Continue26:38 Three Tokenization Categories Explained32:01 Smart Contracts For Securities38:53 Pre-IPO Markets And Retail44:19 Self-Custody And Privacy Are Sacred50:06 What's Next For Hester?Guest Socials:Hester Peirce Socials: https://x.com/HesterPeircePartners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_i...---

Crypto News: Illinois Governor JB Pritzker has signed a 0.2% tax on crypto transactions into law including transfers between personal wallets. This idea was definitely seeded by Elizabeth Warren. Bitcoin chart and onchain metrics show bullish signs.Brought to you by

Is Infinite Banking too good to be true? We're answering the hardest IBC questions every entrepreneur asks. In this episode of Without the Bank, Tarisa takes over the mic to tackle the most common (and controversial) questions about the Infinite Banking Concept. From "What's the rate of return?" to "Why is whole life so expensive?" and "Is my money actually safe?" — she breaks down what every business owner needs to know before starting IBC. If you've ever wondered whether whole life insurance is worth it, how quickly you can access your cash value, or how IBC compares to keeping money in a bank, this episode has your answers. ⏱️ Chapters: 0:00 — Intro & A Word from 80-Year-Old Tarisa 1:12 — What's the Rate of Return? It's a Formula, Not a Number 3:13 — Death Benefit vs. Cash Value Explained 4:08 — Why Is Whole Life So "Expensive"? (Term vs. Whole Life vs. IUL) 7:49 — How Long Do I Have to Pay Premiums? 8:45 — How Soon Can I Access My Cash Value? 9:43 — Is My Money Safe? Banks vs. Life Insurance Companies 13:51 — Mary Jo's Historic Milestone & Final Thoughts

The average person spends money once. Banks recycle the same dollar repeatedly. That is the difference. The wealthy understand that the real power is not merely earning income — it is controlling the movement of capital. When families reclaim the banking function in their own lives: money continues compounding, liquidity increases, control expands, and dependence on outside institutions decreases. Because real wealth is not about how much you earn… It is about how efficiently your money returns to you, compounds, and continues working for generations. Visit: www.privatebankingstrategies.com To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/  To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe

Share your thoughts with meGet your FREE recipe from my book by clicking here Buy the full book from Amazon hereor buy the ebook hereIn this episode I share an honest and intimate conversation that I am having with Carly Banks.Carly is an Ayurvedic Health Counselor, educator, and founder of The Habit Ayurveda. Known for her relatable storytelling and practical approach to wellness, she has built a massive Ayurveda community through newsletters people actually read and Instagram posts people actually save. Carly blends ancient wisdom with modern life, helping Ayurveda feel less like a philosophy and more like something you can use on a Tuesday afternoon. Get in touch with Carly through social media @thehabitayurvedaor her website : https://thehabit.net/

Sen. Banks calls-in to talk about the Sec. of State nominee vote this weekend and why he doesn't back Diego Morales anymore, plus the Iran peace deal and more. See omnystudio.com/listener for privacy information.

Alex Johnson, founder of Fintech Takes, details why many banks are thinking about AI the wrong way. He updates his views on stablecoins vs. tokenized deposits, discusses why fintech competition remains a potent threat to banks and talks about why the bigger issue may be how customers use AI to make financial decisions.

Rebecca, Liz, and Alison speak with Rachel Levinson-Waldman from the Brennan Center for Justice about the Trump administration and current Congress weaponizing the government to attack nonprofits and punish speech and viewpoints they don't like. They explore how executive orders and anti-terrorism statutes are being abused to investigate, defund, and intimidate civil society, and how this strategy is essential to the broader project to transform America from a democracy to an autocracy.   Show Notes Rachel Levinson-Waldman's Bio Brennan Center for Justice  Trump Administration Documents Presidential Memo - "Countering Domestic Terrorism and Organized Political Violence" Bondi Memo - "Implementing National Security Presidential Memorandum-7: Countering Domestic Terrorism" "2026 Counterterrorism Strategy" 2027 FBI Budget Request to Congress Executive Order Designating Antifa as a Domestic Terrorist Organization Department of Justice - "The Biden Administration's Weaponization of the Freedom of Access to Clinic Entrances Act" Executive Order - "Guaranteeing Fair Banking for All Americans"   Articles and Reactions NPR - "'We're not afraid': George Soros' foundation on being Trump's next target" (Open Society Foundation) Lawfare - "The Politically Motivated Indictment of Southern Poverty Law Center"  Civil Society Rights & Resiliency Resources - Charity & Security Network  "What NIJ Research Tells Us About Domestic Terrorism" Cato at Liberty Blog - "Politically Motivated Violence Is Rare in the United States" (right-wing extremists account for 11% of politically motivated killings, while left-wing extremists account for 2%) Brennan Center for Justice - "Trump's Orders Targeting Anti-Fascism Aim to Criminalize Opposition"  ACLU - "How NSPM-7 Seeks to Use "Domestic Terrorism" to Target Nonprofits and Activists" Just Security - "How Designating Antifa as a Foreign Terrorist Organization Could Threaten Civil Liberties" Lawfare - "The Bondi Memo's Quiet Rewriting of Domestic Terrorism Rules" Lawfare - "You Can't Designate 'Antifa.' Banks and Platforms Will Act Like You Did Anyway"   Check us out on YouTube, Instagram, Facebook, Bluesky, and X. Our website, we-dissent.org, has more information as well as episode transcripts.

  Rob is Co-Chair of Taft's Sports Law Group and Chair of the firm's Cincinnati Business practice. He is widely recognized as principal counsel to private equity and venture capital funds, growth-oriented companies, sports franchises, and research institutions. His practice focuses on leading equity financings, securities offerings, complex commercial transactions, mergers and acquisitions, and other strategic initiatives. Rob regularly advises global and national clients on the structuring and execution of significant business transactions. Rob is actively engaged in civic and professional leadership at both the national and local levels. He serves as Chairman of the Board of Directors of the National Underground Railroad Freedom Center and is a board member of the FC Cincinnati Foundation. Reflecting the international scope of his practice, he also serves on the Board of Interlex, a global association of leading law firms. In Ohio, Rob is a member of the Executive Committee of the Cincinnati Chamber of Commerce and has previously served as Chair of the Cincinnati Symphony Orchestra and President of the Association for Corporate Growth (ACG) Cincinnati. Rob earned his bachelor's degree from Duke University and his MBA from the Kellogg School of Management at Northwestern University. During his undergraduate studies, he completed comparative law coursework at New College, Oxford University. He received his J.D. from Washington University School of Law, where he also clerked at the U.S. Securities and Exchange Commission during his final term. Rob grew up in Kobe, Japan.

By Doug Green “We want everybody to be a spam reporter.” In this special Cloud Communications Alliance and Technology Reseller News podcast, Doug Green speaks with Alex Quilici, CEO of YouMail, about the launch of the National Spam Reporting Center, a new consumer-facing resource designed to make it easier to report spam, scam calls, robotexts, and other suspicious communications. The new site, spamreporters.com, is intended to give consumers one simple place to report unwanted or fraudulent communications. Quilici says the problem today is confusion. If a consumer receives a text, robocall, or email impersonating a bank, retailer, insurance provider, or government agency, it is not always clear where that person should go or who should be notified. YouMail created the National Spam Reporting Center to simplify that process. Consumers can go to spamreporters.com, upload a screenshot or report, and YouMail can then use that information to help identify patterns, alert carriers, and support faster action against abusive campaigns. “The key thing is we act on them,” Quilici says. The podcast explores how these reports can benefit multiple groups. Consumers get a simple reporting path. Carriers can receive evidence about numbers or campaigns that may need to be shut down. Banks, e-commerce companies, insurers, and other frequently impersonated brands can gain better visibility into abuse targeting their customers. Quilici points to current scam activity around health insurance, Medicare, preapproved loans, and impersonation campaigns as examples of where consumer reporting can provide important signals. In some cases, consumer reports can help distinguish between legitimate communications and suspicious campaigns. The discussion also looks at the challenge facing legitimate businesses. Many organizations depend on calls and texts to reach customers about appointments, service updates, reminders, and other important matters. But when those calls are mislabeled as spam, consumers do not answer. That has led some legitimate businesses to use large pools of numbers in an effort to reach customers, a technique that can resemble the behavior of scammers. Quilici says better reporting and faster analysis can help reduce that confusion, protect consumers, and improve the ability of legitimate businesses to reach customers. YouMail does not expect the National Spam Reporting Center to eliminate the entire scam and spam problem. The goal is to reduce the damage by moving faster, using consumer-submitted reports, carrier relationships, and YouMail's existing data to identify abuse and support action before larger enforcement processes run their course. For service providers, enterprises, brands, and consumers, the message is clear: spam and scam prevention improves when more people can report what they are seeing and when that information can be acted on quickly. Learn more at spamreporters.com Learn more about YouMail at www.youmail.com  

Sam Boboev breaks down why stablecoins are the native currency of AI agents, why Mastercard's $1.8B blockchain acquisition and Visa's OpenAI partnership signal the payment giants have accepted their stablecoin future, and why the real killer use case for stablecoins isn't consumer payments.Sam Boboev is Founder of Fintech Wrap Up, a media and analytics platform covering AI, stablecoins, and the future of payments.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro02:17 Stablecoins Native AI Currency05:25 B2B Leads Short Term06:42 Chime AI Assistant Launch10:17 Who Wins Agent Commerce?12:01 Revolut 75M Data Advantage14:37 Mastercard Visa Agent Pay16:06 Mastercard $1.8B Blockchain Bet19:24 More Stablecoin Consolidation Coming23:03 Settlement Is The Killer25:36 Bullish On AI Stablecoins29:02 Regulation Is The UnknownGuest Socials:Sam Boboev Socials: https://x.com/samboboevFintech Wrap Up Website: https://www.fintechwrapup.com/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_i...---

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Chris Giancarlo, former CFTC Chairman, author of Crypto Dad: The Fight for the Future of Money, and Senior Strategic Advisor at Patomak Global Partners, joined me to discuss the latest developments in crypto in the U.S.Topics: - Clarity Act and crypto legislation - CFTC & SEC rulemaking - Prediction markets - TradFi embracing Crypto - Stablecoins vs CBDC privacy Brought to you by

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the sixth episode of the season, Chris Low, Chief Economist at FHN, rejoins the show LIVE from DCG's 42nd Annual Balance Sheet & Model Risk Management Conference. Chris and the guys jump into the current inflation and unemployment storylines, rate expectations, the “dual mandate,” and what bankers should expect from a Kevin Warsh-led Federal Reserve.For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Chris Nichols and DJ Seeterlin explore what banks can learn from Trader Joe's approach to strategy, focusing on clear customer segments, intentional trade-offs, and delivering value over price. They discuss how aligning products, people, and experiences around a defined audience can help banks stand out, and how these same principles apply to areas like AI, where technology should enhance the human connection. Download our newest eBook: The Community Bank Performance Engine!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

What if mindfulness isn't just something you practice for a few minutes each day, but a way you move through the world?In this reflective solo episode, Jasmine explores the deeper meaning of mindfulness and how it can become a foundation for self-trust, emotional regulation, and inner peace. Guided by thoughtful questions, we explore what happens when we live on autopilot, why mindfulness can feel surprisingly uncomfortable at first, and how cultivating awareness can help us navigate stress, relationships, and life's uncertainties with greater intention.Whether you're new to mindfulness or looking to deepen your practice, this episode offers gentle insights and practical reflections to help you become a softer place to land for yourself.✨ Stay Connected with Shots of Serenity ✨Thank you so much for tuning in! If today's episode resonated, please share it with someone you love and subscribe on your favorite platform — iTunes, SoundCloud, Spotify, or Google Play.

Stay informed on South Carolina Women's Basketball with Gamecocks Talk with Captain Will your premier source for the latest news and recruiting updates. As three-time NCAA National Champions, the team is preparing to defend their title season. We must outmaneuver the LSU connection by leveraging Dawn Staley's tactical blueprint for Jezelle Banks. While personal ties pull toward Baton Rouge, our scouting reports prove Banks thrives in our high tempo defensive system. We are positioning Columbia as the ultimate destination for her elite playmaking to secure another championship run. Women's basketball is continuously evolving, with NCAA Women's Basketball and the WNBA receiving acclaim for their exciting gameplay. Under the leadership of Head Coach Dawn Staley, the team includes players such as Chloe Kitts, Ashlyn Watkins, Tessa Johnson, Joyce Edwards, Maddy McDaniel, Adhel Tac, Agot Makeer, Ayla McDowell, and Alicia Tournebize are expected to enhance the team's performance this season. Newcomers Justine Loubens, Oliviyah Edwards, Jordan Lee, Jerzy Robinson, Kaeli Wynn, and Kelsie Andrews look to contribute heavily. Tune in to Gamecocks Talk with Captain Will, broadcasting daily. For comprehensive coverage of South Carolina Women's Basketball, be sure to subscribe to our YouTube channel. Follow every episode by subscribing to "Gamecocks Talk with Captain Will" on YouTube and clicking the "bell" icon to receive notifications.

The Cybercrime Wire, hosted by Scott Schober, provides boardroom and C-suite executives, CIOs, CSOs, CISOs, IT executives and cybersecurity professionals with a breaking news story we're following. If there's a cyberattack, hack, or data breach you should know about, then we're on it. Listen to the podcast daily and hear it every hour on WCYB. The Cybercrime Wire is brought to you Cybercrime Magazine, Page ONE for Cybersecurity at https://cybercrimemagazine.com. • For more breaking news, visit https://cybercrimewire.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Morgan Stanley analysts Ravi Shanker and Jeff Adelson take a look at what the fight for affluent, loyal travelers could mean for banks and airlines. Read more insights from Morgan Stanley.----- Transcript -----Ravi Shanker: Welcome to Thoughts on the Market. I'm Ravi Shanker, Morgan Stanley's North American Airlines analyst. Jeff Adelson: And I'm Jeff Adelson, Morgan Stanley's U.S. Consumer Finance analyst. Ravi Shanker: Today, who really owns your travel loyalty? The airline, the bank, the rewards platform, or you? It's Wednesday, June 10th at 7am in New York. Jeff Adelson: So, Ravi, you just came from your annual travel conference, and I'm about to head into the second day of Morgan Stanley's 17th Annual Financials Conference here in New York, where we're hosting roughly 135 corporates.A lot of themes are coming up there: retail engagement, product innovation, regulatory change, AI digital assets, capital markets recovery, and so on. All of these connect back to a bigger question. Who owns the customer relationship? Ravi Shanker: And that's exactly where travel co-branded cards come in. They sit at the crossroads of premium consumer spending, loyalty, and the competition for wallet share. They've become a more important revenue stream across travel, banking, and hospitality.But it's not as simple as more travel means more co-brand growth. Most customers still want flexibility, cashback, and low fees. Premium travelers and loyal airline customers behave differently. Let's start with the cardholder. Most consumers have a credit card, but travel co-branded cards are still a much smaller piece of the overall wallet. So, how big is the opportunity here, and how hard is it to get consumers to switch? Jeff Adelson: So, what's actually interesting, Ravi, is that travel co-branded cards are still relatively under-penetrated. In our survey, about 90 percent of cardholders have a general purpose card, while only about 22 percent have an airline card, and 12 percent have an hotel co-brand card. So, on the surface, the runway for growth does look significant. The upshot is also that once you get these consumers in the door, they are much higher spending and drive a ton of volume and incremental card economics for both the banks and their co-brand travel partners. The challenge is that consumers are pretty loyal to their cards or airlines that they already use, so most people aren't actively looking to switch. They tend to add a new card only when the value proposition is compelling enough. And sometimes given these one-time nature of the signup bonuses, it results in some churning without keeping the customer for the long term. So ultimately, what this all means is issuers and travel brands aren't just competing with each other, they're competing against habit. So, to win, they need to offer something that's meaningfully better than what's already in the consumer's wallet. Ravi Shanker: Got it. So, consumers seem to care most about value, fees, rates, and reward. Cashback still leads by a wide margin. So where do travel-specific rewards fit in? Jeff Adelson: The nuance here matters. Travel rewards don't need to win with everybody to be valuable. What makes them so powerful is they resonate with a specific group of customers, specifically the ones who are traveling – the frequent travelers, the ones who spend more, and those who engage more deeply with loyalty airline programs, for instance. For those consumers, lounge access, status benefits, upgrades, and airline or hotel points can create a level of engagement that's difficult for just a basic cashback card to replicate. The nuance here matters. Travel rewards don't need to win with everybody to be valuable. What makes them so powerful is they resonate with a specific group of customers, specifically the ones who are traveling – the frequent travelers, the ones who spend more, and those who engage more deeply with loyalty airline programs, for instance. For those consumers, lounge access, status benefits, upgrades, and airline or hotel points can create a level of engagement that's difficult for just a basic cashback card to replicate. Ravi Shanker: So, the premium consumer looks different. Why is that customer so important to card issuers? Jeff Adelson: So, higher income consumers frankly just spend a lot more. They're more loyal, they carry more cards, and they're more willing to pay a higher annual fee if they feel like they're getting the value from the card back after they pay that fee. In our survey, consumers earning over [$]150,000 per year of income spent roughly twice the amount on their primary card, and they were willing to pay almost twice the annual fee as other income cohorts. They're also attractive from a credit standpoint, from a, you know, delinquency perspective. These customers are more likely to pay their balances in full each month, and as a result, have lower credit risk. And often they keep long-standing relationships with their banks or their airline partner. That's why premium card and travel partnerships remain such an important customer acquisition tool for a bank. It has a really long lifetime value. The battle isn't really for the average card holder; it's for the affluent consumer who's driving a disproportionate share of spend in the U.S. economy.Ravi Shanker: Got it. So, the banks and travel brands are partners today. But they're also starting to potentially compete more directly for the same customer. What should investors watch to see whether this stays a partnership or becomes more of a tug-of-war? Jeff Adelson: So historically, this has been a successful partnership, especially in recent years as high-income consumer spending pie has grown in the U.S. How this works is airlines provide loyalty and travel experiences. Banks provide the card issuance, distribution scale, and share back those card economics to the airlines. Everybody wins when the travel spend grows. But we're starting to see some things overlap. Banks are building their own premium travel ecosystems. That includes things like flexible rewards points with the ability to transfer to any airline you want, proprietary lounges away from the airlines, and travel benefits that increasingly compete with airline loyalty programs. So, what investors should watch from here, in our view, are two things. Number one, is the high-income consumer and the travel pie continuing to grow? That's really what's held everything up and frankly, driven the airlines that you cover to realize that they hold this golden ticket. They hold the access to that consumer, so they've begun negotiating for more of the economics away from the card issuers. The second thing we think that you need to watch out for is whether consumers really continue to value these airline-specific rewards enough to justify the existing partnership model. Our survey indicated that most consumers still prefer flexible rewards over points tied to a single airline. But among frequent travelers and airline loyalists, the airline ecosystem does remain powerful. So, the future does seem to depend in part on whether these travel brands can continue to deliver on experiences that the consumers really can't get elsewhere. So, Ravi, maybe switching to you. For the airlines, the question I have for you is a little different. How do you turn loyalty into a durable, profitable revenue stream without losing sight of the core travel product? Ravi Shanker: That's exactly it. Kind of you referenced the strength of the travel ecosystem in your previous response, and I think that's exactly what the airlines need to focus on. I think the takeaways for the airlines from the survey is very clear. You cannot have a co-brand revenue opportunity in isolation. It is just a layer on top of your core revenues. You cannot build an incredible loyalty or co-brand franchise without having a very strong core airline product. The analogy we use in our report is that it's sort of like the restaurant business.Most restaurants usually make the bulk of their profitability off of the wine menu or the liquor menu, even though you're going there primarily for the food and the ambiance and the service. If you don't have really good food and ambiance and service, you can't make money off of the wine menu. Similarly, we think the airlines need to continue to focus on their core product, whether it's their network or their reliability, their safety, where they fly, the quality of the product in the sky, the lounges, as you mentioned. And once you get all of that in order, then you can tap into the co-brand revenue opportunity over time. Jeff Adelson: So maybe just running with that analogy on, you know, co-branded revenues becoming a more meaningful part of the airline business. Why are they so strategically important in your view? Why should the consumer pay for that bottle of wine that they can get? Ravi Shanker: Look, we, we don't have a full disclosure from the airlines just yet, but we have some nuggets that tell you that this is a very attractive revenue opportunity, right? So, look at some of the numbers we do have. We think that this business has been growing at a low double-digit CAGR for the industry, which is much faster than core revenue growth. We think it has already grown to be about low double-digit percentage of overall revenues. And from the little info we have, we can surmise that this is a very, very profitable business. Something in the order of 35-50 percent operating margins, if not much higher than that in an industry that is overall working really hard to get to double-digit margins on a core basis. So, this business can be about half of overall mid-cycle profitability, maybe even higher for some of the airlines, even though, it is considered to be an ancillary revenue stream. This is also a very, very stable business that doesn't exhibit the kind of cyclicality or volatility as the core passenger airline business. And so, we think the airlines will be looking to grow this for the margins, for the stability, and for the, honestly, growth opportunity over time. Jeff Adelson: And if we think about that opportunity growing over time, if consumers really do care more about tangible benefits than brand prestige, as I think our survey indicated, what does that mean for the airlines trying to build that loyalty through these card partnerships?Ravi Shanker: It's exactly as you mentioned, kind of, earlier – that we think both the banks and the airlines need to keep investing in the product. They need to keep giving the consumers enough rewards that make it seem worth the fees and worth the while to subscribe to a travel co-brand card – versus going with a more generic card that gives you just plain cash back. And I think, again, it comes down to whether the core airline product is strong enough for the consumer to warrant going down the path of building loyalty with the airline franchise. And if the consumer is committed to travel, as a share of the consumer's wallet significantly enough to commit to travel cards' benefits over generic benefits. We have a lot of confidence in the latter. In that all of our data, all of our surveys since the pandemic have shown that travel is now almost a consumer staple spending item rather than being a consumer discretionary spending item that it was before. And travel is now a significant spending priority – after only groceries and household staples for the average consumer. For the high-end consumer, it is the number one spending intent category. So, we know that travel is very important. Whether the airline is worth, kind of, committing to or not is very airline specific in our view.Jeff Adelson: So, if we put this all together and, you know, you think about your forecast for the industry and, you know, our joint forecast for the co-branded card revenues… Ravi Shanker: Mm-hmm. Jeff Adelson: Maybe just talk a little bit about how you think those revenues keep growing so strongly, or whether they continue to grow strongly. Or is there a risk that this all plateaus at some point in the near future? Ravi Shanker: Look, that's a great question, and that's why we highlight three possible scenarios in the report. In our base case, we have the industry growing at roughly the same double-digit CAGR that it has been for the last few years. That sees the market go from about $25 billion today to about [$]60 billion in the next 10 years. In our bull case, we have travel as a share of overall spending, and travel cards as a percentage of overall credit card issuance, which you highlighted earlier was a pretty low number, actually expand to something more reasonable. And that's where we see the potential for the market almost quadrupling from $25 billion today to [$]100 billion in the next 10 years. And our bear case, kind of that's when you talk about a macro risk. Second, maybe some kind of slowing down in travel as a spending priority, which we actually don't think happens. But what's more likely is the point you referenced earlier, in response to my question about the relationship between the airlines and the hotel companies versus the credit card issuers may be changing a little bit. And this becoming a little more of a free-for-all in the industry and a little more competitive. That could potentially, kind of, hurt the economics for the overall industry, even though the size of the pie will continue to grow. So that brings us back to the consumer's wallet. So, every time I'm on a trip, I have several options – maybe a cashback card, maybe a premium travel card, maybe an airliner hotel co-brand card. So, which one am I reaching for every time I look to swipe? Jeff Adelson: Well, I mean, I think at its core, it really depends. It's a battle at the end of the day for the loyalty of a high quality, sticky and heavy spending consumer. And consumers are largely rational, right? So, they're going to go with a card where they think they get the best value. And if that's their airline card where they think they can accrue the best loyalty status and maybe get their first class upgrade every now and then and get unlimited access to the lounges, maybe they'll choose that. But really in a survey what we learned was most consumers tell us they care about value, flexibility and rewards. So, the highest value consumers I just mentioned are also looking for experiences, convenience and status. So that's why the banks, airlines and hotels are all investing so aggressively in these premium ecosystems to try to lock them in and keep them loyal. Every swipe is really a vote for which ecosystem delivers the most value if you think about it, right? The winner isn't necessarily the company with the best card too. It's the company that creates so much of the strongest overall relationship with the consumer. And that's why this competition matters so much across banking, travel and hospitality. So, we are watching this competition. So far, it's working. It's a rising tide that's lifting all boats. But as I mentioned before, it really will only continue to work if our forecasts are right and the high-income consumer views this as less of a discretionary spend item and more of a stable spend item. And, if that pie, and the high-income consumer, continues to grow in the U.S., then this relationship can continue to work for the foreseeable future, we think. Ravi Shanker: That makes a ton of sense. Jeff, thanks so much for joining me on the show today. Jeff Adelson: Thanks, Ravi. It was my pleasure. Ravi Shanker: And to our listeners, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you get your podcasts and share with a friend or colleague today.