Podcasts about breaking banks

In this episode of Breaking Banks host Brett King sits down with Farbod Sadeghian, Founder and Executive Chairman of TheBlock. Based in Dubai, TheBlock is a fintech collaboration space dedicated to fintech, blockchain development, and crypto, bringing together fintech, AI, and capital markets to build the next economy of virtual assets, The conversation covers the origin story of TheBlock and the UAE's regulatory landscape—specifically the Virtual Asset Regulatory Authority (VARA). They also discuss how TheBlock is building a virtual asset community that enables faster speed to market through direct collaboration with onsite advisors and strategic partners. By connecting people, infrastructure and opportunities, TheBlock offers end-to-end support to help companies launch, operate and scale within the digital economy. If in Dubai, stop by! 

In This Episode Financial institutions (FIs) are currently navigating a “perfect storm” of technological, market, and consumer shifts. They face a multi-front war: constant economic and regulatory pressure, soaring consumer expectations for 24/7 personalization, and the existential threat of megabanks with massive tech budgets. To survive and thrive, FIs must move beyond “pilot purgatory”—where 95% of generic AI pilots fail—and adopt a banking-specific AI workforce,an AI-powered intelligence layer for modern banking. In this episode of Breaking Banks host Jason Henrichs is joined by Dan Michaeli, CEO & Co-Founder of Glia, a digital customer service and banking AI platform serving over 700 FIs, and Madeline Fredin, SVP of Growth & AI Transformation at Alloy Labs to explore how a self-learning institutional brain unifies data across the organization. By starting with the contact center—the richest source of unstructured interaction data—banks can build a foundation that shifts their entire operation from reactive service to proactive growth and agentic workflows.

BUY GOLD & SILVER HERE: https://firstnationalbullion.com/schedule-consult/ Avoid CBDCs! HELP SUPPORT US AS WE DOCUMENT HISTORY HERE: https://gogetfunding.com/help-keep-wam-alive/# Josh Sigurdson talks with Mark Gonzales about the new Peter Thiel connected AI powered bank that has received conditional approval by the OCC. The bank which is named "Augustus Bank" after the Roman emperor was started by a 25 year old named Ferdinand Dabitz. The protege of Peter Thiel, a blatant technocrat has launched this bank which will use "stablecoins" in a "decentralized" way to manage transactions, day or night, 7 days a week unlike banks that close. Tyranny comes under the guise of convenience. The bank isn't decentralized as they say as AI and some humans will surveil transactions and decide what does and does not go through under the guise of "stopping money laundering." 8 banks since 2010 have similarly been approved under the same guidelines and Augustus Bank is currently awaiting Fed approval. What's interesting is that regardless of CBDCs (Central Bank Digital Currencies), one can push the populace into digital currencies by private corporations simply out of convenience and public demand. Much like VISA and Mastercard, these tools were not mandated but are nearly unavoidable when shopping in a big city now. It's clear that the digital banking system will work in the same way, regardless of any mandates. This can be extremely dangerous. The entire global banking system is going digital and alongside digital IDs and social credit will be unavoidable. In this video, Mark Gonzales breaks down the lead up to this agenda, how it's being put in place, what it will look like, other major stories that connect to this including the 63 central banks that have adopted Basel 3 bail-in regimes and what can be done about this. Have you prepared yourself outside of the confines of the "reset?" Stay tuned for more from WAM! GET 10% OFF ON SHILAJIT FROM DR. KAUFMAN WHEN YOU USE CODE WAM10 HERE: https://medauthentica.com/discount/WAM10?redirect=/products/authentica-shilajit%3Fsca_ref=10867124.wrNV3jkYSaMg9 GET HEIRLOOM SEEDS & NON GMO SURVIVAL FOOD HERE: https://heavensharvest.com/wam USE Code WAM to save 25% plus free shipping! GET YOUR WAV WATCH HERE: https://buy.wavwatch.com/WAM Use Code WAM to save $100 and purchase amazing healing frequency technology! GET YOUR APRICOT SEEDS at the life-saving Richardson Nutritional Center HERE: https://rncstore.com/r?id=bg8qc1 Use code JOSH to save money! Get Your SUPER-SUPPLIMENTS HERE: https://vni.life/wam Use Code WAM15 & Save 15%! Life changing formulas you can't find anywhere else! Get local, healthy, pasture raised meat delivered to your door here: https://wildpastures.com/promos/save-20-for-life/bonus15?oid=6&affid=321 USE THE LINK & get 20% off for life and $15 off your first box! DITCH YOUR DOCTOR! https://www.livelongerformula.com/wam Get a natural health practitioner and work with Christian Yordanov! Mention WAM and get a FREE masterclass! You will ALSO get a FREE metabolic function assessment! PayPal: ancientwonderstelevision@gmail.com FIND OUR CoinTree page here: https://cointr.ee/joshsigurdson PURCHASE MERECHANDISE HERE: https://world-alternative-media.creator-spring.com/ JOIN US on SubscribeStar here: https://www.subscribestar.com/world-alternative-media For subscriber only content! Pledge here! Just a dollar a month can help us alive! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2026

In This Episode This week on Breaking Banks, we feature sister podcast, Social Currency, powered by Sunrise Banks. Social Currency introduces us to some of the most innovative changemakers in finance, technology, and social impact—leaders who are dismantling barriers and reshaping their industries. In this episode hosts Tyler Seydel, Chief Fintech Officer, and Eric Schurr, Chief Strategy Officer at Sunrise Banks are joined by Brian Tate, President and CEO of the Innovative Payments Association, to discuss where payments policy and innovation are headed next. A graduate of Howard University with experience at the Financial Services Roundtable during the post-crisis reform era shaped by the Dodd-Frank Wall Street Reform and Consumer Protection Act, Brian draws on decades inside Washington to unpack what's coming for fintech, prepaid products, and the broader banking ecosystem. From regulatory modernization to emerging technologies, he shares his outlook on the opportunities and challenges that will define the next chapter of the payments revolution. To hear more episodes of Social Currency go to provoke.fm or wherever you listen to your favorite podcasts.

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Jason Henrichs, CEO of Alloy Labs and co-host of the Breaking Banks podcast. This episode is structured in two parts. In part one, Jason and I zoom out on bank-fintech partnerships (once we get a rant out of our system; the Treasury Department announced who'd run Trump accounts as we recorded, and we had feelings). We've spent years talking about bank-fintech partnerships through the lens of BaaS. Jason reframes that with two new models: BPP (Bank Product Partnership), where banks own the customer and fintechs sell into them, and CPaaS (Charter Partnership as a Service), where fintechs rent a bank's charter. Those models look similar on the surface, but the incentives, economics, and regulatory dynamics are completely different. From there, we dig into the wave of charter applications, the real question of who actually knows how to lend, and why the U.S. market has trained itself into giving away its most expensive product. Then, in part two, I'm joined by AJ Clark and Tom Johnson, startup advisors and members of the Fintech Takes Network. We shift to what's actually happening on the ground inside banks and startups, and why deeper, slower conversations are often the prerequisite for real partnership. That also becomes a natural preview to the Fintech Frontier Summit, a small, curated gathering in Montana focused on solving these problems in practice, which AJ and Tom are helping organize (from May 31 through June 3 at Alpine Falls Ranch; applications open at luma.com/fintechfrontiersummit2026). This episode is brought to you by Persona.  Persona is the identity verification platform trusted by fintech's fastest-growing teams, from YC-backed startups to publicly traded companies. Build your identity program with enterprise-grade tools, starting at $0 with Persona's Startup Program. Fintech Takes listeners can get a full free year through Persona's Startup Program at withpersona.com/ftt 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 Jason Henrichs: LinkedIn: https://www.linkedin.com/in/jasonhenrichs/ Twitter: https://x.com/jasonhenrichs Breaking Banks podcast: https://podcasts.apple.com/us/podcast/breaking-banks/id641357669   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

In This Episode In this episode of Breaking Banks, industry leaders Jason Hass (First Electronic Bank), Mike Jorgensen (U.S. Bank), and Louis Mrachek, (Merrick Bank) connect with Jason Henrichs for a dynamic conversation centered on embedded finance. Embedded finance seamlessly integrates financial services into non-financial platforms. Some examples include BNPL, Lending: Business & Personal Loans, and P&C Insurance, simplifying the claim process and getting the payment. The panel explores how fintechs and banks are evolving from competitors into true partners—combining innovation, compliance, and trust to deliver better customer experiences. They also tackle tensions between speed, risk and regulation, and the critical role banks still play behind the scenes. The future of finance may be invisible — but the trust powering it cannot be. This episode is part of the Hot Takes series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

In This Episode Banks are evolving beyond traditional financial products to offer value-added services that deliver outcomes that matter in customers’ everyday lives. In this episode of Breaking Banks, we explore this shift through a very specific lens. Joining host Jason Henrichs are Marcy Allen, Head of Enterprise Financial Institutions at Carefull, a company focused on helping families protect aging loved ones from financial risk and fraud, and Drew Reilly, VP, Fintech Partnerships & Investments at U.S. Bank They discuss how banks approach value-based accounts and loans, the realities of delivering these services within large institutions, buying versus building, and what happens when financial services appear where customers actually need help, not just where banks traditionally operate. This episode is part of the Hot Take series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

In This Episode Which trends are genuinely reshaping and transforming banking? Is fintech hitting its “awkward adolescent phase”—past the hype but not yet fully mature? Today we sort through the signal and the noise. Which trends are actually changing how banks work and which are mostly theater. There are lots of pitches coming at banks, but just like in baseball, you can’t swing at them all. How do financial institutions decide what’s worth pursuing versus what’s just the latest headline? Joining host Jason Henrichs are two people who view the landscape from different vantage points: Alex Johnson, Founder of FinTech Takes who analyzes and challenges the narratives shaping fintech, and Meghan Kober, Head of Fintech Partnerships & Investments at U.S. Bank who sits on the side of who decides which innovations get deployed within one of the most innovative banks. Together, they dig into where fintech stands today and what the next phase might look like once the noise settles. This episode of Breaking Banks is part of the FintechXchange recording series at the University of Utah, powered by U.S. Bank.

In This Episode The current regulatory regime in the US promised a lighter touch and more de novo charters. Sure enough, there has been a flurry of activity with a wide range of applications being submitted from long time payment providers like Paypal, neobanks looking to break free from their BaaS sponsors, and even silicon valley insiders looking to build the bank of the future like Erebor. Reading the various applications and hearing the varied business plans raised a very fundamental question: What if bank charters are being issued to companies that don't actually want to be banks? We tend to treat a charter like a finish line — as if the moment you get one, you've crossed into some higher state of legitimacy. But a charter is a regulatory status. Being a bank is an economic role. And those two things may be drifting apart. In this episode of Breaking Banks, Jason Henrichs and Jeff Taft, Partner at Mayer Brown, dig into that tension. Jeff has advised on bank formations, regulatory strategy, and some of the most complex de novo and specialty charter conversations in the market. He has a front-row seat to how applicants think about charters — and how regulators evaluate readiness to operate as banks. This conversation was recorded live as part of FintechXchange put on by the Fintech Center at the University of Utah. This Hot Takes series is powered by U.S. Bank. Now let’s dig in to the question: are most charter applicants trying to become banks — or trying to become regulated?

In This Episode Payments are getting faster. From RTP to stablecoins, rails are modernizing. Speed alone doesn't equal progress, however. As real-time payment systems expand, banks, businesses, and policymakers are asking a bigger question: how do new payment rails actually change how money moves, decisions get made, and value is created? In this episode of Breaking Banks, host Jason Henrichs brings together Dominic Venturo, SEVP and Chief Digital Officer at U.S. Bank and David Watson, President and CEO at The Clearing House to explore what is really changing beneath the surface. The trio discuss: how instant payments are moving beyond consumer use cases into business and treasury workflows, where banks are finding real opportunity (and where they aren't), and how tools like request-for-payment and stablecoins are reshaping cash flow and transparency. Share with industry friends and colleagues. The episode is not to be missed!

In This Episode What happens when three fintech nerds gather to eat spicy wings, share some sauce and talk about industry trends? If you are a regular listener to Breaking Banks, you already know the answer: the latest episode of Hot Takes! Get some chips, your own sauce if you’d like, and listen now as Jason Henrichs, Alex Johnson (Fintech Takes) and Simon Taylor (Fintech Brainfood) — refereed by Peter Renton — offer Hot Takes fueled by hot sauce and spicy conversation. This episode was recorded live at the University of Utah’s 2026 FintechXchange. This candid discussion with leading voices in fintech is not to be missed! The wide-ranging conversation covers everything from AI and stablecoins to financial nihilism, and more. The panelists explore trends reshaping the banking and fintech landscape while sharing key insights, things to watch and some predictions. This episode is powered by U.S. Bank. Be sure to catch the entire series releasing this month from the Hot Takes stage, brought to you by U.S. Bank.

In This Episode The length of the sales cycle in financial services is legendary. Slow decisions, endless diligence, and constant risk reviews are practically an industry meme. To be fair, the stakes are real. When money moves, it has to arrive; when deposits sit in a bank, they have to be safe. Somewhere along the way, caution turned into paralysis. Banks ask more questions, add more steps, delay commitment, often increasing the risk by avoiding learning, accountability, and real-world feedback. In this episode of Breaking Banks, Jason Henrichs connects with Lindsay Borgeson, President of Core Bank’s Partner Banking Division, and Kalyani Ramadurgam, CEO and Founder of Kobalt Labs. They discuss the dynamics of decision-making in banking, the importance of defining the problems to be solved, the role of proof of concepts, and the hurdles of implementation. By sharing the Core Bank and Kobalt Labs partnership journey, Lindsay and Kalyani offer practical strategies for navigating these processes more effectively. For financial institutions, speed doesn't require cutting corners. For fintech providers, strong partnerships can be built by proving value early and enabling clients to make decisions based on real operational impact. Whether you are a financial institution seeking to modernize your technology stack or a fintech company looking to accelerate enterprise adoption, this conversation offers experience-based guidance for making faster, high-confidence decisions without sacrificing risk discipline. Listen now, share with your colleagues, and please reach out to share your feedback.

In This Episode Could up to 80% of existing credit cards be canceled or see credit reductions under the proposed 10% interest rate cap? That's the stark prediction from industry research and leading credit providers like JPMorgan's Jamie Dimon. Instead of helping consumers, the policy could trigger an evaporation of available credit, shrink access, and push borrowers toward less regulated alternatives. In this episode of Breaking Banks, Jason Henrichs connects with leading industry voices Ron Shevlin, Managing Director & Chief Research Officer of Cornerstone Advisors and author of Forbes‘ Fintech Snark Tank, and Rhett Roberts, Co-Founder and CEO of LoanPro. As the trio discuss benefits, tradeoffs, and risks, they recognize that one size doesn’t always fit all, and explore where innovation might fill the gap: buy-now-pay-later (BNPL) models, bespoke lending products, and how stablecoins could be a market-based alternative to blunt the access problem, a way to lower costs without breaking the system. Could “loan-on-card” structures or embedded finance preserve convenience while reshaping risk? If credit migrates outside traditional card networks, are we undermining decades of consumer protection? For anyone shaping the future of banking, fintech, consumer lending and credit, or just trying to better understand the benefits, potential tradeoffs, and risks of interest rate caps and stablecoins as a market-based alternative, this episode is essential listening. Credit has a very long history of teaching us that quick fixes often create new problems.

In This Episode Just as mobile was once a separate vertical within banking, has digital transformation simply become part of everything we do? In this week’s episode of Breaking Banks, hosts Jason Henrichs, Brett King, and JP Nicols debate this and more as they discuss the current state of banking, the impact of fintech, and the evolution of digital banking. They cover the challenges posed by legacy systems, the rise of digital-only banks, and the role of AI and stablecoins in shaping the future of finance. The top 50 fastest growing FIs in the world are all digital direct players, pure players. Is AI going to be a vector in the growth of banks? Will AI change how banks are structured? Is it time to rewrite the rules? Think about things differently? Reimagine what the future of financial services looks like? Brett, JP and Jason look forward to another year of exploring the future of banking and financial services together. Reach out, send us your thoughts and any topics you’d like to see us address in a future episode of Breaking Banks.

In This Episode This week on Breaking Banks, we spotlight our sister podcast, The Bankers' Bookshelf, hosted by Paolo Sironi. In this episode, Paolo sits down with frequent Breaking Banks guest Leda Glyptis to discuss her book, “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation”. Drawing from candid interviews with leading entrepreneurs, Leda moves past the typical success stories to uncover the raw realities of building groundbreaking ventures. She offers an honest exploration of digital transformation, including the lessons learned, inevitable mistakes, course-corrections, and the personal and professional growth required to lead through the messiness of digital change. Leading fintech transformation demands more than sheer resilience: it's about wielding control amid chaos, maintaining consistency and integrity, and standing firm, whether solo or with a team. This conversation is essential for anyone navigating the complexities of fintech transformation. Listen now!

In This Episode What's your favorite holiday movie? It's a Wonderful Life? Miracle on 34th Street? Scrooged? Plot twist (literally): These are all banking movies. This week on Breaking Banks hosts Jason Henrichs and JP Nicols invite you to an Alloy Labs virtual holiday gathering. Joined by Amber Frye, Pam Kaur, and Samer Saab, they share favorite holiday movies with good cheer and a twist — the need to tie the cinematic selections back to banking and fintech. Tie back to banking and fintech, you say? Think fraud, legal contracts, loan workouts, wealth management, alternative investments, identity theft — you get the picture! It's a lively and animated conversation. No spoiler alerts, so let's get this party started ... listen and watch now!! It's not too late to check out some of the favorite recommendations and to let us know if you agree with their takes, or have suggestions of your own. We're listening!!

In This Episode This week, Breaking Banks offers a human interest story from Brett's conference travels. Listen as Brett connects with Arwa Damon, former CNN reporter based in Istanbul, and current President and Founder of INARA, an NGO working in Palestine.INARA, International Network for Aid, Relief and Assistance, is a humanitarian organization providing rapid response and treatment to refugee children, its mission to ensure every child has the agency to create a dignified life.Arwa provides a first-hand look at the humanitarian crisis in Gaza and discusses how it impacts the basic needs and access to financial services for people living there.

In This Episode In this episode of Breaking Banks, hosts Jason Henrichs, Brett King and JP Nicols delve into the transformative impact of AI and technology on the banking industry, and share insights on what institutions must do to not only survive, but thrive as AI rewrites playbooks. The conversation covers the role of stablecoins, agentic AI, the future of smart contracts, smarter digital infrastructure, and how accelerated innovation cycles are reshaping the global financial system. They explore the structural changes they see coming and the potential of AI in automating cross-border transactions and business banking platforms, while discussing challenges and opportunities for larger and smaller banks in adapting to new systems of trade. How best for bankers to get ready for this transition? All banks, regardless of size, need to get their data house in order, ensuring better access to their data and data capabilities, and need to assess their cultural agility. The banking industry is entering a new era where data fluency, cultural adaptability and use of available AI tools and AI-driven automation will define the competitive frontier and spark innovation. As the hosts remind us, “Adapt or be left behind.” Listen now to hear how leaders across banking and fintech can navigate the shift and prepare for what comes next.

In This Episode Today, we turn the show over to our friends at Breaking Banks Europe, as we celebrate their 6th anniversary. What began as a podcast experiment has grown to over 280 episodes, more than 570 guests, thousands of listeners from every corner of the world, and countless debates. Over the past 6 years, the show has: Shaped conversations around open banking, fintech, DeFi, payments, digital innovation and every trend and highlight you can think of. Featured founders, heads of state, college students, academics, executives, regulators, dreamers, disruptors & troublemakers. Connected Europe with the Middle East, Africa, Asia, LATAM and beyond Helped spotlight voices that deserve to be heard Today we're celebrating with a special throwback episode. Host Matteo Rizzi welcomes back Serena Torielli, CEO and founder of WealthHype, who first joined the show back in Episode 3.In this new conversation, Matteo and Serena dive into Revolut's explosive growth in Italy, the future of private banking, and how AI, Bitcoin, and gold are reshaping investing. They also explore regulation, stablecoins, and global market shifts, with Serena sharing her optimistic view on innovation in AI, energy, and biotech as drivers of the next financial revolution.

In This Episode Today on Breaking Banks we feature the newest addition to the Provoke.fm family, Breaking Banks Africa. In this episode Breaking Banks Africa Host and Executive Producer Matteo Rizzi sits down with Sandra Yao, Ecobank's Group Head: Cross Border Remittance, Payments & BaaS (Fintech). With 20 years of experience driving fintech and payment innovation across Africa, Sandra brings a unique “builder's mindset” into one of the continent's largest financial institutions, operating in 39 markets. From pioneering mobile money to tackling fragmented infrastructure and regulatory environments, Sandra shares how interoperability, accessibility, and digital transformation are reshaping the future of payments in emerging economies. Additionally, Sandra reveals how Ecobank is empowering young African talent, forming major tech partnerships (including Google), and creating API-first solutions to help fintech founders scale across borders. This episode is a must-listen for anyone passionate about Africa's digital growth story, inclusive innovation, and hearing about those turning vision into execution—from Nairobi to the world.

In This Episode This episode of Breaking Banks features host Jason Henrichs sharing thoughts and key take-aways fresh from Money 20/20 USA. Stablecoins, Agentic AI and especially Agentic Commerce dominated many conversations at this year's Money 20/20 event. Cross Border Payments another big topic not to mention AI, how it's changing the game and being used by financial institutions. Jason had the opportunity to speak with Harriet Rees, CIO of Starling Bank (UK), who discussed the exciting announcement made at Money 20/20 regarding Starling Bank's collaboration with Google on fraud detection. Through this AI-powered partnership, Starling Bank can now help customers identify warning signs of purchase scams. Their new tool, Scam Intelligence, allows customers to upload images of items and ads from online marketplaces. It then analyzes them for signs of fraud and provides personalized guidance within seconds. This tool, built with Google Gemini in collaboration with Google Cloud, is available today for personal, joint, and business account customers. This UK-first initiative by Starling and Google has the potential to save billions of pounds annually. Listen now, and enjoy the episode!

In This Episode Inside The Futurists X Summit: Preparing For An AI Powered Future This week Breaking Banks comes to you from The Futurists X Summit in Dubai, the world's largest gathering of top-ranked futurists. This summit brings together leaders, innovators and policymakers from around the globe for meaningful dialogue on the future of technology, business and society. Tune in as Breaking Banks and The Futurists host Brett King speaks with Mastercard's J.K. Khalil, EVP and Division President of East Arabia, and Raja Rajamannar, Chief Marketing and Communications Officer at Mastercard. JK and Brett kick off the discussion with JK highlighting Mastercard's partnership with the Ministry of AI in Dubai and their AI Center of Excellence in the UAE. Mastercard is always talking about the fast and accelerating pace of change and its impact on consumers' lives. The AI Center of Excellence aims to demonstrate that AI is more than just a buzzword, helping people see the bigger picture and understand the broader implications -- how this access to information and AI translates to daily life. The discussion also touches on exploring possible futures and enhancing the human experience. Then, Raja joins Brett to share his perspective on an AI-powered future. As AI improves quality of life, helping to alter the work-life balance -- working less, experiencing more -- what does the world look like? With AI, chores can be delegated to the machine, you can let go of certain things and have more time for other things. Time to pursue your passions – a long-standing focus for Mastercard is helping elevate lives through experiences. As technology levels the playing field—and everyone feeds similar briefs into the same AI tools—outputs will start to look alike. That's exactly why this moment could become a new golden age of marketing: a chance to break through the sameness with real creativity, smart risk-taking and unconventional ideas. With advanced tools and the right mix of strategy and imagination, the possibilities are endless. And when you serve consumers with heart while driving revenue, that's marketing at its best. It's an engaging and thought-provoking episode from leaders in the field....priceless! Interested in hearing more about The Futurists X Summit? Follow our sister podcast, The Futurists.

Two US regional banks rocked the markets with more potential loan losses tied to private credit and shadow banks. But it is NOT really about them or the scale of those defaults; they are relatively tiny. It's what continues to be uncovered, the common COLLATERAL thread in every single one so far. Combined with a very precarious macroeconomic and monetary background, it's explosive. They are encompassed by the secrets behind the financial and monetary signals we continue to highlight and expose here at EDU. Watch our most recent webinar replay to start seeing the truth hiding in plain sight - and just in time, in case you haven't noticed. Stick around to the end for the best deal we've offered on Eurodollar University's full control room of subscriptions. https://youtube.com/live/vnuKXWiIVac?feature=sharehttps://eurodollar.university/webinar-offerCODE: 2025-OCT-WEBINAR-DDA3--------------------------------------------------------------------------------

In This Episode Many bank leaders are currently grappling with the same paradox: despite having access to more data than ever, it's increasingly difficult to discern what truly matters. Budgets are tight, initiatives are piling up, and the market sends conflicting signals, all while the imperative to remain relevant to customers persists. Breaking Banks did a show on VUCA (volatility, uncertainty, complexity, and ambiguity) three weeks ago (if you missed it, take a listen when you get a chance!). When there's VUCA, the natural inclination is to add more—more dashboards, more projects, more committees—yet this rarely leads to clarity. This episode of Breaking Banks features Catherine Lynch from Citizens Bank and Greg Palmer, host of sister podcast Finovate. They discuss the importance of human-centered innovation. Catherine Lynch leads digital experience and human-centered design at Citizens, a super-regional bank with approximately 1,000 branches primarily in the Northeast and $220 billion in assets. With over 20 years in banking and prior experience at Accenture and various tech startups, Catherine has dedicated her career to leveraging technology to solve customer problems. At Citizens, she focuses on digital channel strategy and experience design for a diverse customer base, including consumers, commercial clients, and wealth management customers. Catherine explains that all banking clients share three fundamental needs: seeing their money, moving their money, and protecting their money. However, these needs have evolved as people navigate cognitive overload, economic stress, and reduced community connections, leading to a demand for simpler and easier banking experiences. To meet these changing expectations, Citizens employs a human-centered design approach, placing customer needs at the core of their problem-solving process through empathy, collaboration, iteration, and testing. Their innovation lab, part of Green Pixel Studios, enables them to observe customer interactions and rapidly develop solutions for pain points. With its human centered focus and work building the right kind of innovative community, the future looks bright for Citizens Bank as it continues to deliver exceptional customer experiences and help customers navigate today's information overload. Listen now to learn more!

In This Episode This week on Breaking Banks we finish our series on Brett King's new book, Branch Tomorrow where we've featured interviews with Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings a specialty in a different market, giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin America. In this episode of Breaking Banks, Brett King and Jim Marous, banking industry leader, fintech influencer, publisher and podcast host, dive into the insights from Branch Tomorrow from the U.S. perspective. They explore the evolving landscape of banking, focusing on the decline of physical branches (with peak branches in the U.S. in 2008) and the rise of digital banking solutions. While some large banks still invest in branches, smaller banks often struggle to justify the cost. The shift to digital is driven by customer behavior and operational efficiency, With a keen eye on the economics and sustainability of traditional banking models, Jim and Brett discuss the challenges and opportunities facing financial institutions today. Tune in to the episode to better understand the U.S. banking market, and why being digital-first is crucial for survival in the modern banking world. Branch Tomorrow, available now!, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is truly here and is built on digital realities. Lead the change before it disrupts you!

In This Episode This week on Breaking Banks, we feature a fascinating and thought-provoking episode from our sister podcast, The Futurists, where Brett King welcomes celebrated experimental astrophysicist Professor Brian Cox. Professor Cox, an English physicist and musician, is widely recognized for presenting science programs such as BBC Radio 4's The Infinite Monkey Cage and the Wonders of... series. He is also the author of two popular science books: Why Does E=mc²? (And Why Should We Care?) and The Quantum Universe. He's selected to deliver the keynote address at The Futurists X Summit in Dubai on September 22nd. In this episode, Professor Cox dives into how our understanding of black holes and quantum information theory could change our fundamental understanding of the universe, ushering in a new era of scientific advancement. Professor Brian Cox is one of the most articulate scientists in the world today. This interview underscores that, in an era where science faces ongoing challenges from political forces and media, our future lies in embracing knowledge and applied intelligence. Are we at the event horizon of something new and extraordinary?

In This Episode This week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow, featuring interviews with contributing authors: Bruno Diniz, Efi Pylarinou,Jim Marous, Paolo Sironi, and Richard Turrin. Each brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, and the future of financial services across the globe, from the US to India, Europe, China, and Latin America. In this episode, Branch Tomorrow co-author Efi Pylarinou, a leading global fintech and tech influencer, shares insights on branch transformation from the European zone. Efi delves into some of the uniqueness, challenges and opportunities of the European market -- a great example of diversity and different ways of operating -- one item of note, the large Post Office networks that can essentially compete with fintechs and offer services. In looking at the evolution of banking and to the future of banking in Europe, Efi and Brett focus on the transition from traditional banking to digital-only models like Revolut, breaking down what makes them successful, taking a close look at the economics of the different models. They also explore how AI is reshaping customer experiences in banking, the impact of cashlessness, and the social implications of some of these changes. How will regulatory challenges shape the future of banking? Will shared banking spaces emerge as a solution for branches? In the next five years, in Europe and globally, will we see new disruptors that will challenge existing disruptors from the last decade? The future of banking is here. Branch Tomorrow, a must-read for future-focused leaders dedicated to thriving in the digital transformation of finance -- available mid-September. Get a sneak peek by listening now!

In This Episode This week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow. We feature interviews with some of Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin America. In this episode, Brett speaks with Richard Turrin, an industry leader in fintech innovation and digital transformation, and Author of Cashless: China's Digital Currency. Brett and Richard delve into the robust digital financial services landscape in China which experienced significant digital disruption starting in the mid-2010s. You'll hear how bankers there are still reeling from the unprecedented scale of disruption brought on by MYbank, WeBank, WeChat and Alipay. Then, Brett connects with Paolo Sironi, Global Research Leader in Banking and Financial Markets at the IBM Institute for Business Value and host of Provoke.fm's Bankers Bookshelf podcast. Paolo shares insights from the Eurozone on branch transformation, highlighting how some European banks are embracing digitization by evolving their branches. He discusses how they are balancing digital and physical presence by adjusting their in-branch product offerings, with a focus on personalization, financial inclusion, and maintaining strong customer engagement. Tune in now for these insightful conversations! Branch Tomorrow, available mid-September, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is here!

In This Episode This week on Breaking Banks we're excited to introduce Brett King's latest book, Branch Tomorrow. This new book re-examines our understanding of bank branches, banking culture, and the future of financial services across the globe, from the US to India, China and Latin America. In a special Breaking Banks series, Brett interviews contributing authors Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin to deliver a multi-perspective global look at banking. Each author brings specialties in different markets; all analyzing changes and data from the past decade to what's been happening with branch banking and providing insights into the ongoing transformation in finance. In this conversation, Brett speaks with Bruno Diniz, Financial Innovation Expert, Bestselling Author, Speaker and Professor specializing in fostering financial innovation in Latin America. They delve into the evolution of banking in Brazil and LATAM, particularly the decline of traditional bank branches and the rise of digital banks like Nubank with its rapid growth in Latin America (123 million+ customers). They also explore the impact of regulatory changes, the economics of digital banking, and the role of innovative payment systems like PIX while discussing the challenges traditional banks face in adapting to this rapidly changing financial landscape. We encourage you to listen now and stay tuned for more in this series!  Branch Tomorrow, releasing in September, is a must-read for bankers, regulators, fintech innovators, and future-focused leaders eager to thrive in the digital transformation of finance. The future of banking is here! 

In This Episode In this episode, Breaking Banks delves into the evolving landscape of financial health standards, exploring how the Financial Health Network is pioneering a new set of standards aimed at designing financial products that prioritize consumer well-being. These standards, set to transform financial services by focusing on customer-centric outcomes, start with a focus on checking accounts and credit cards. encouraging people to spend well, and will be part of a library of standards around how financial institutions and fintechs can design financial products and services with the user's financial health outcome in mind. A practical blueprint for building financial products with integrated financial health solutions. Listen as Jason Henrichs and Brett King catch up with frequent guest Jennifer Tescher, President and CEO of the Financial Health Network and host of the EMERGE Everywhere podcast to discuss these new finhealth standards launched at the recent EMERGE conference. The trio explore: Creating a financially inclusive global economy: challenges and opportunities How financial industry standards shape consumer outcomes and institutional practices Improving financial decision-making through standards and outcome-focused frameworks Managing personal finances effectively with standardized financial practices Understanding moral hazard in financial services and regulation The impact of incentives and leadership priorities on financial system trust and performance Do consumers trust artificial intelligence more than traditional financial institutions? Small changes can drive big impact and improve financial decisions, management and ultimately financial lives. There is a lot that financial institutions and fintechs can do right now and make a difference, but there's also a lot to get right -- tune in now! 

In This Episode This week on Breaking Banks, join us as we explore how real-time data is helping lenders understand financial behaviors beyond traditional credit scores, as Plaid, the largest financial data network, and Experian, a leading data technology company join forces via their new partnership. Listen as Michelle Young, Credit Product Lead at Plaid and Ashley Knight, SVP of Product Management at Experian connect with host Brett King to discuss how this new partnership is providing proven risk insights and real-time cash flow data to banks, credit unions and consumer lenders, and the potential it brings for a major change in lending. Datos Insights' Stewart Watterson also joins to offer insights on two critical industry challenges that the availability of real-time cash flow data addresses: creating pathways to credit for underserved consumers, and for financial institutions, expanding the consumer lending addressable market while improving the ability to manage credit risk. It's a win-win! This episode is not to be missed! Lend smarter and get ahead of the curve to learn how cashflow and credit data can fuel business performance and competitive advantages now!

In This Episode In June we lost a pillar of our community, Barb MacLean, a brilliant fintech mind and a beloved colleague. A guest turned co-host on Breaking Banks and an invaluable member of Alloy Labs. She was truly special, she never hesitated to pay it forward or to speak truth, albeit in the most polite Canadian way, whether on podcasts or the stages of Finovate. Every week she curated a list of the most impactful things she had read and paired them with a song, publishing the Fintech Playlist. It was an honor to be included. She exposed us to new writers and new songs. For her, music was more than a backdrop — it was a language, a way to connect, to feel, to make fintech more human. This week's episode is a rerun of a favorite episode featuring Barb, JP Nicols and Alex Johnson discussing the invisible heist of business customers as part of our 'Unbreak the Bank' series. We hope to honor her legacy the way she lived it: with meaning, creativity, and community. There's a GoFundMe initiative started by her sister to support her family: https://gofund.me/81a8d4c5 And a Fintech Playlist T-shirt, with 100% of the proceeds going to Barb's family: https://www.bonfire.com/fintech-tribute-t-shirt-her-song-lives-on/ Let's keep her song playing!

In This Episode This week on Breaking Banks, we feature our sister podcast, Social Currency, powered by Sunrise Banks. Social Currency introduces us to some of the most innovative changemakers in finance, technology, and social impact—leaders who are dismantling barriers and reshaping their industries for a more inclusive, equitable, and sustainable future. Hosts Tyler Seydel, Chief Fintech Officer, and Eric Schurr, Chief Strategy Officer at Sunrise Banks, speak with those at the forefront of positive change through social entrepreneurship, unveiling the stories behind the revolution that's propelling us toward a world where everyone has equitable access to opportunity. In this episode, Tyler and Eric connect with John Barbella, Founder and President of Neighborli—a network of financial institutions aligned to prevent and fight fraud in fintech. With over 30 years of experience in financial services, John shares insights on compliance, the evolving fraud landscape, and how banks and fintechs can collaborate to stay ahead. Tune in to learn how Neighborli is bridging the gap between financial institutions and fintechs to build a more secure and innovative digital banking future. Enjoy the episode, and check out other episodes of Social Currency at provoke.fm or wherever you listen to your favorite podcasts.

In This Episode Live from the main stage at Arizent's Digital Banking 2025, this high-energy episode of Breaking Banks brings the regulatory heat. Host Jason Henrichs is joined by Alex Johnson (Fintech Takes) and Dara Tarkowski (Actuate Law) for unfiltered, rapid-fire takes on the most urgent—and divisive—issues shaping digital finance regulation today. In a fintech twist on the classic ‘90s game FMK, the trio tackles which regulatory bodies to "love, leave, or reform"—from the CFPB and OCC to the NCUA and beyond. No topic is off-limits as they debate the shifting landscape around Section 1033, Open Banking implementation, UDAP enforcement, and the growing tensions between innovation and compliance. Plus: what do the STABLE Act, the GENIUS Act, and Stablecoin policy have in common? They all point to a regulatory future that's as complex as it is critical to get right. This episode is not for the faint of heart, but essential listening for anyone working at the intersection of fintech, policy, and consumer protection.

In This Episode This week's episode of Breaking Banks brings you insights from Cape Town, South Africa, and the Circle of Fintech event hosted by Crossfin. Africa accounts for a remarkable 70% of mobile money accounts globally, and over the past decade, fintech and mobile money have brought 1.1 billion Sub-Saharan Africans into the formal financial services system.. In the episode, Brett King is joined by Dean Sparrow and Anton Gaylard, Co-Founders of Crossfin to talk about next gen financial services infrastructure emerging from South Africa and extending across the planet. They explore the evolution of fintech across the African continent. the rapid adoption of mobile money, fueled by the limited legacy banking infrastructure and the widespread use of mobile technology. They then get into Crossfin's investment strategy with focus on supporting founder-led businesses in Africa, particularly those developing payment-oriented solutions, and showcasing the agility and innovation within the African fintech ecosystem. But first, Brett sits down with Barry Levett, CEO of Mypinpad, a fintech entrepreneur dedicated to creating secure and scalable infrastructure that transforms mobile devices into trusted platforms for commerce. As the founder of SmartPesa, Barry spearheaded the expansion of its payment and agency banking solutions across 11 countries. After a merger with Mypinpad in 2022, he assumed the role of CEO, bringing a unified strategic vision to the combined entity -- a vision emphasizing digital infrastructure that enhances freedom and efficiency, enabling individuals and businesses to transact more securely and simply on their own terms. A key focus is "Soft POS," a growing trend in finance that leverages the capabilities of ordinary mobile phones to accept payments, essentially turning a phone into a point of sale terminal. Stay tuned for this insightful episode!

In This Episode This week on Breaking Banks host Brett King is joined by Chris Hayward, Policy Chairman of the City of London Corporation. As Political Leader of the City of London Corporation, Chris acts as a principal spokesperson and advocate for London as a global financial and professional services capital. In the segment, Brett and Chris discuss The impact to date of the Trump presidency on the UK financial services sector. Wider US-UK relations and the City's view of the prospect of a UK-US free trade deal especially in services and tech. How the UK is a global gateway for US companies to access capital and advice, and Ongoing work with the UK Government to create an investment hub (a concierge service) to make it easier to channel foreign investment into the UK economy, and ongoing conversations on regulatory reform Then, sister podcast, Finovate host Greg Palmer interviews Nick Evens, President and CEO of Curql. Nick shares his journey from working within credit unions to leading Curql, a strategic investment fund focused on credit union innovation. Curql invests in startups and fosters an ecosystem where over 130 credit unions collaborate and share resources, often co-investing in companies that serve both banks and credit unions. Born from a need to support credit unions in staying competitive with big banks by pooling resources to invest in transformative financial technology, Curql bridges a gap between fintech and credit unions, helping credit unions gain access to tech solutions they otherwise couldn't afford on their own. More on the topic at FinovateSpring.

In This Episode This week's episode of Breaking Banks features host Brett King in a one-on-one discussion with Dave Birch, speaker, author and internationally recognized thought leader in digital identity and digital money. Listen as they explore the future of AI-based payments, money, and the concepts surrounding Agentic AI. Their conversation delves into key areas such as: * KYA (Know-your-Agent, a counterpart to KYC - Know Your Customer)* How we'll tell if specific agents have the authority to make payments* The utility problem of money in a highly autonomous world This episode is the future of money, identity and payments all wrapped into one, featuring two of the most future-thinking people in the finance space today.

In This Episode Today, we bring you a special episode of Breaking Banks, live from the Alloy Labs Annual Member Meeting —a three-day event focused on critical discussions and deep strategy sessions for today's bank executives. While we can't disclose what was said behind closed doors, we can share some of the critical (and fiery!) conversations and topics that executives need to be thinking about and discussing, some of which we asked and addressed in this special recording. Host Jason Henrichs brings the sauce and is joined by recognized industry voices and Hot Takes contributors Kia Haslett from Bank Director, Alex Johnson of Fintech Takes, and Chris Nichols, Director of Capital Markets at South State Bank and writer of South State's Banker to Banker blog. Leave us a comment on LinkedIn about what you liked, and you may just find yourself the winner of one of the limited-edition Hot Takes hot sauces the panelists enjoyed! First come, first served on the sauce (while supplies last). Don't delay—listen now and join the discussion. https://www.youtube.com/watch?v=mr4Y_eTI_O8

In This Episode It is 2014, and Breaking Banks host Jason Henrichs is having coffee with Nektarios Liolios, an early leader in financial services innovation. Jason is in London—the uncontested fintech capital of the world at the time—sitting in the shadow of the Tower of London, seeking advice during what feels like the wreckage of his life post-Perkstreet.Nektarios, today's guest, was on a journey of his own. He joined SWIFT, the global payments messaging service, in 2007 and held various roles, from working with funds to collaborating with startups. He had recently left to co-found Startup Boot Camp Fintech and Rainmaking Innovation, a corporate innovation studio. He stepped away from both five years later for a period of reflection—which you'll hear about—before co-founding another fintech venture, Radish Credit, which recently wound down. Along the way, he's gathered an abundance of hard-earned wisdom. For those unfamiliar with Killing It, the name comes from a private joke between Jason and his Perkstreet co-founder. When asked how things were going, they would say, “We're killing it,” then mutter under their breath, “like putting a knife in it.” Perkstreet, founded in 2008, was one of the first neobanks and one that crash-landed when an acquisition fell through. Listen in as Jason and Nektarios continue the candid conversation they began years ago. Breaking Banks' Killing It series isn't just about startup failures; it's about transitions and changes in identity. It's about founders who sell successfully, only to see their dream owned by someone else. It's about entrepreneurs who step away or are forced to. Killing It is about the journey of reinvention. This episode is a masterclass in entrepreneurship from a seasoned fintech founder, ecosystem builder, and mental health advocate.

In This Episode This week on Breaking Banks, Don Ginsel, host of our sister show Breaking Banks Europe, takes our mic and brings the conversation stateside. Don is joined by Nik Milanović, founder of This Week in Fintech, for a wide-ranging and energizing discussion of the latest forces shaping the fintech landscape. From the evolving role of traditional banks and increasing interest in stablecoins to the current state of fintech M&A, the rise of fraud, and the impact of AI on financial services, Don and Nik cover the topics on everyone's mind. Whether you're a founder, investor, or financial exec, this overview of the trends, risks, and opportunities is not to be missed.

In This Episode In a rare and inspiring crossover episode, Breaking Banks teams up with Barefoot Innovation to bring you a special dispatch from Necker Island, BVI. Hosted by Brett King and Jo Ann Barefoot, this episode captures the energy and insight of a one-of-a-kind fintech gathering organized by Virgin Unite: an event bringing together innovators from around the world, from a cross section of industry, exploring what the future of finance could (and should) look like. Podcasts hosts and speakers Brett and Jo Ann share their talks and insights from this carbon neutral event, connecting with Dr. Nick Hughes, OBE, father of M-Pesa, co-founder of M-Kopa and now Managing Director 4rdigital.com, the fourth revolution is digital, to cover all things fintech. Listen as these leaders discuss applications of fintech in other markets and all that is possible if we come out of our silos and collaborate -- the combination of problem solving perspectives, resources, networks and more can make an impact on some of the world's toughest challenges. We have the tech to do what we need to do, the potential is enormous! If you're looking for inspiration and forward-thinking ideas this episode delivers!

In This Episode Killing It is back! Jason Henrichs' series on banking and fintech entrepreneurs returns with Cokie Hasiotis In this episode of Breaking Banks, Jason Henrichs connects with Cokie, serial entrepreneur and exited founder of Twali and drippi. Cokie candidly shares her entrepreneurial journey, providing insights into the emotional challenges and tolls inherent in entrepreneurship, and the stress of pivoting business. She also reflects on how these experiences have shaped her, underscoring the significance of community, the importance of self-awareness and filtering advice from others. Tune in to hear more about identity as a founder, navigating loss, soft landings, and transitioning to new opportunities.

In This Episode This week on Breaking Banks, it's a powerhouse podcast mashup you won't want to miss. What happens when two leading voices in fintech join forces? You get a fast-paced, insight-packed conversation on the future of finance, banking innovation, and emerging technologies—recorded live in Finland. Breaking Banks host Brett King teams up with Pål Krogdahl and Ville Sointu, hosts of the Nordics' #1 fintech podcast Fintech Daydreaming, for a high-level exploration of where the industry is headed next. In this episode, they dive into some of the most important developments shaping the future of financial services, including:      *The rise of mobile money and how it's reshaping economies      *The role of digital identity in secure, seamless transactions      *The concept of Q-Day and its long-term implications for cybersecurity in banking      *Smart contracts and business process in an autonomous algorithmic marketplace      *Agentic AI, KYM (Know Your Machine) and AI in Financial Transactions, and      *A sneak peek at Brett's upcoming book, Branch Tomorrow This wide-ranging conversation serves as both a primer and a deep dive into the innovations transforming fintech right now. Whether you're tracking the next big trend or trying to stay ahead of digital disruption, this episode delivers high-value insights from three thought leaders at the forefront of change. Listen now and get future-ready!

In This Episode The future of open banking is being built by visionaries like Aaron Swenson, a fintech leader and "Solutioner" who has transformed financial data access, open banking, and governance. On this final episode of Breaking Banks' series from Fintech Xchange, powered by U.S. Bank, host Jason Henrichs dives into Aaron's story, vision and journey to date, spotlighting three key initiatives driving fintech innovation: Finicity – Revolutionizing open banking by giving individuals and businesses secure, high-quality access to financial data FDX (Financial Data Exchange) – Leading the charge for 1033 compliance and open banking standards, and ensuring seamless, permission-based data sharing across the financial ecosystem The Stena Center for Financial Technology – Bridging education and industry to accelerate fintech innovation and financial inclusion Aaron's problem-solving mindset and deep industry knowledge have made a lasting impact on the future of financial services. Listen to the compelling conversation to hear how these notable impacts are reshaping the fintech landscape, improving data usage and security, and driving smarter financial decision-making in financial services. https://www.youtube.com/watch?v=g7UyoDGpfFo

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.

In This Episode In this episode we continue the series powered by U.S. Bank and recorded at the University of Utah's Fintech Xchange. CAUTION: The episode is hot! Breaking Banks' Hot Takes host Jason Henrichs, regulars Alex Johnson (Fintech Takes) and Jason Mikula (Fintech Business Weekly) are joined by David Ness, U.S. Bank's SVP Innovation, R&D and Peter Renton, Fintech Nexus, Chairman & Co-Founder. The newcomers jump right in, going straight for Fintech on Fire (#11 on a scale of 1 - 10), and comfortably deliver hot takes from the hot seats, recapping major themes from the event, and making predictions as to what 2025 brings to our industry. Plenty of insights are shared and there's plenty for the risky spice-takers to tackle including BNPL (acronym for a popular industry term, of course, and also our new Burn Now Pay Later hot sauce). Two other clues as to what the group might have talked about....the RegTech Reaper and Stable Coin Scorch . Don't worry, there's plenty more where these came from! Listen now on your favorite podcast platform! It's a hot conversation, worth being in the room for...to catch the visuals check it out on YouTube (@provokefm and while you are there, hit subscribe)!

In This Episode This week we introduce you to a series profiling the digital banks and founders that are changing the world of banking. Focused on first hand accounts from founders all over the globe, the series chronicles the NeoBanking movement from the early days though to today, documenting the players building a new category of digital banking, reshaping the digital movement. Throughout our series we look at foundation stories, challenges each had, and the regulatory approach each took -- a look at the pioneering history of the neo and challenger bank movement. In this episode, Breaking Banks host Brett King connects with bunq's Founder & CEO. Ali Niknam. bunq is based in The Netherlands, a small country doing big things. bunq, bank of The Free, offers mobile banking that makes life easy for every new chapter in one's life, and for the digital nomad in everyone. Born out of Ali's interest in creating products that people like to use, bunq began in 2012 and its mobile app came out in 2015, all with the aim to help the world forward and do banking a little differently. bunq has brought lasting change to the European banking industry. Having built a product rooted in customer needs and wants, bunq quickly scaled to become the second largest neobank in the EU. Serving digital nomads across the European Economic Area, bunq makes life easy for location-independent people and businesses starting from the way they manage money: how they spend, save, budget and invest. On a mission to build the first global neobank for digital nomads, bunq announced its bid to enter the US market (April 2023) by applying for a banking license. It's an intriguing story, not to be missed!

In This Episode This week on Breaking Banks, we take you inside fintechXchange, hosted by the Stena Center for Financial Technology at the University of Utah. As a proud media partner of the event, we explore how industry, academia, and policymakers are coming together to drive the future of financial services.Host Jason Henrichs sits down with Meghan Kober, VP of Fintech Partnerships & Investments at U.S. Bank, Taylor Randall, President of the University of Utah, and Ryan Christiansen, Executive Director of the Stena Center for Financial Technology. Together, they discuss the power of ecosystem building, highlighting the incredible human capital fueling innovation: VCs, startups, and institutions of all sizes collaborating to shape the next wave of fintech growth and banking transformation. Then, it's time for the first Hot Takes of 2025, recorded live from 'Silicon Slopes'! Alex Johnson (Fintech Takes) and Jason Mikula (Fintech Business Weekly) are back in the hot seats with Jason Henrichs to break down the latest fintech headlines with sharp insights and no-holds-barred opinions. They dive into: The latest in open banking, the CFPB and regulation The fate of BaaS Island, Synapse, and Patriot Bank's BSA & AML challenges What really is possible with bankruptcy proceedings and what does it mean for fintech's future This episode is packed with insight, energy, and hard-hitting discussions you won't want to miss!

This week on Breaking Banks, we take you inside fintechXchange, hosted by the Stena Center for Financial Technology at the University of Utah. As a proud media partner of the event, we explore how industry, academia, and policymakers are coming together to drive the future of financial services.Host Jason Henrichs sits down with Meghan Kober, VP of Fintech Partnerships & Investments at U.S. Bank, Taylor Randall, President of the University of Utah, and Ryan Christiansen, Executive Director of the Stena Center for Financial Technology. Together, they discuss the power of ecosystem building, highlighting the incredible human capital fueling innovation: VCs, startups, and institutions of all sizes collaborating to shape the next wave of fintech growth and banking transformation. Then, it's time for the first Hot Takes of 2025, recorded live from 'Silicon Slopes'! Alex Johnson (Fintech Takes) and Jason Mikula (Fintech Business Weekly) are back in the hot seats with Jason Henrichs to break down the latest fintech headlines with sharp insights and no-holds-barred opinions. They dive into: The latest in open banking, the CFPB and regulation The fate of BaaS Island, Synapse, and Patriot Bank's BSA & AML challenges What really is possible with bankruptcy proceedings and what does it mean for fintech's future This episode is packed with insight, energy, and hard-hitting discussions you won't want to miss! https://www.youtube.com/watch?v=tJ-bdJNLu60

In This Episode We are excited to introduce you to Provoke.fm's newest podcast....a-spinoff-of-a-spinoff of Breaking Banks. Bankers Bookshelf brings cutting edge banking and fintech research to life, sharing the stories and strategies behind financial innovation, bridging the gap between technology and finance -- a perfect fit for the Breaking Banks family! Host Paolo Sironi, global research leader in banking and financial markets at IBM Institute for Business Value, is a trailblazer in fintech himself. In this episode, Paolo connects with Ronit Ghose who runs the Future of Finance team in Citi's thought leadership unit "Citi Global Insights", and is the author of Future Money: Fintech, AI and Web 3. The world of money is rapidly changing, but what does it all really mean? The duo discuss insights from the book with Ronit bringing technical topics to vivid life via narrative deep dives into selected founders and their companies. From London to Lagos, via Ahmedabad, Dubai, Hong Kong, Karachi and more, this episode pulls together the story of how money is changing in the internet era. Subscribe to Bankers Bookshelf https://provoke.fm/show/the-bankers-bookshelf/ or listen via your preferred podcast platform now! https://www.youtube.com/watch?v=Yp1E9Fs3rco