Podcasts about fednow

Comfort and convenience are nice, but too much insulation comes at a cost.

Do you write down the important things you read? Do you take the time to understand those “helpful pieces of teaching” and what they could mean for you?Turn the words into works

Ten years after taking a knee, Colin Kaepernick looks back on the decision that changed his life and cost him more than $150 million. In today's episode, he sits down with Ryan to discuss navigating the backlash, keeping the focus on the message behind his protest, and what, if anything, he would do differently.Colin Kaepernick is a Super Bowl quarterback, civil rights activist, and author of The Perilous Fight. He is the founder of the Know Your Rights Camp, Kaepernick Media, and Kaepernick Publishing, and Lumi Story AI. He has been awarded Amnesty International's Ambassador of Conscience Award, the Sports Illustrated Muhammad Ali Legacy Award, the ACLU Ralph Ellison Award for Defenders of Civil Rights and Civil Liberties in the Arts, Business, Science, and Sports, the ACLU Eason Monroe Courageous Advocate Award, and numerous others for his work in athletics and advocacy. Buy a signed copy of Colin's memoir, The Perilous Fight: https://www.thepaintedporch.com/products/the-perilous-fight?_pos=1&_sid=b8f67a3dc&_ss=rBuy The Perilous Fight on Amazon: https://www.amazon.com/Perilous-Fight-Colin-Kaepernick/Follow Colin | Instagram, X, TikTokKnow Your Rights Camp: https://www.knowyourrightscamp.org/

Marcus Aurelius loved to read and tried to always have a text from a philosopher or a playwright or a historian with him. But, as it is for all of us, we don't always get our way—sometimes life intervenes.Turn the words into works

 Are we doing the work we know we should be doing? Or are we letting hour after hour, day after day, simply drift past us? -- Dr. Becky Kennedy is a clinical psychologist, bestselling author, and the founder and CEO of Good Inside, a parenting platform that gives parents practical tools for raising emotionally healthy kids. Named “The Millennial Parenting Whisperer” by TIME, Dr. Becky is the #1 New York Times bestselling author of Good Inside: A Guide to Becoming the Parent You Want to Be and host of the chart-topping podcast Good Inside with Dr. Becky.

We should not get to do everything we want. We should not be surrounded by “yes” men and women. We should not think we are superior to others or exempt from constraints. Watch the full conversation with David Epstein: https://www.youtube.com/watch?v=ngKTRs6ghQ8David Epstein is the author of the #1 New York Times best seller Range: Why Generalists Triumph in a Specialized World. His book, Inside the Box: How Constraints Make Us Better, is out now!

Ryan knew running 50 kilometers through Rome would require more than just being in shape. So he turned to Luke Tuttle from the blog Ultra Running Destinations for firsthand advice on how to prepare for everything the run might throw at him.

Come along with Ryan as he sets out to run farther than he ever has before: 50 kilometers through Rome, past some of the most important Stoic sites in the world.

Stephanie Ruhle has spent her career with a front-row seat to some of the wealthiest and most powerful people in the world. In today's episode, she talks with Ryan about what they often misunderstand about success, what happens when having everything still isn't enough, and the cost of staying at the top.Before becoming a journalist, Stephanie Ruhle spent 14 years working in finance. She later joined Bloomberg Television, hosted The 11th Hour, and now hosts Money, Power, Politics with Stephanie Ruhle on MS NOW.Watch Money, Power, Politics with Stephanie Ruhle on MS NOW! Watch Stephanie Ruhle interview Ryan at The 92nd Street Y: https://www.youtube.com/watch?v=vGXvQqurY-YFollow Stephanie Ruhle on Instagram: https://www.instagram.com/stephruhle/?hl=en

Today, on the 25th anniversary of 9/11, let us be full of love.-- Chief Joseph Pfeifer was the first FDNY chief to arrive at the World Trade Center on 9/11. He watched the first plane hit the North Tower, took command of the initial response, and that morning, he also lost his younger brother, Lieutenant Kevin Pfeifer.

In today's bonus episode, Gen. Dan Caine reflects on being one of the first pilots in the air on 9/11 and what that moment taught him about courage, leadership, and service.General Dan Caine is the 22nd Chairman of the Joint Chiefs of Staff. He has flown more than 100 combat hours in F-16 aircraft. His total flight hours are 2,800. Throughout his career he was awarded the Defense Superior Service Medal, Distinguished Flying Cross, Bronze Star Medal with bronze oak leaf cluster and the Defense Meritorious Service Medal.

It'd be wonderful if every great novel was easy to get into, if every philosophy was made accessible, if every history tome was readable and clear. Sadly, they are not.Turn the words into works

It would be nice if they got it. If they understood why they did it. How they hurt us. What it meant to us. And maybe they will…someday.--

Real-time payments are finally delivering what everyone asked for: near-instant settlement. But when the buffer disappears, a new risk takes center stage: not “was the credential valid,” but “did the actor have authority to create the obligation.” Greg Myers sits down with Jeremy Blackburn, founder and CEO of ChainIT, to unpack why authority verification may become the most important layer in modern payments, especially as AI agents start initiating transactions on behalf of people and businesses. We talk through ChainIT's approach to zero-trust commerce, including biometric authentication, verifying identity and organizational roles through authoritative sources, and turning those verified claims into reusable digital tokens. Jeremy explains the difference between traditional network authorization and governance-derived authority, plus how transaction guardrails can be enforced at the moment of execution. We also dig into what “complete commerce” looks like when agreements, compliance, and payment movement happen as one governed workflow. You'll hear practical examples like construction draws and insurance claims, where verification, conditional lien releases, and AML checks often drag on for days. We also zoom out to the biggest payments industry trends: RTP and FedNow, stablecoin and programmable money, agentic commerce, and why quantum security is already on the horizon for cryptographic infrastructure. If you care about fraud prevention, compliance, and the future of enterprise payments, this is the conversation to bring back to your team. 

Not all the Stoics were leaders, but all of them were readers.Turn the words into works

Seneca lived through illness, exile, and the brutal reign of Nero. In today's episode, Ryan shares three of the most powerful ideas Seneca learned from those experiences and why they can change the way you live.

Slow down. Pause. Take a breath. Because one day, you'll realize you rushed through too much of your life, too much of your loved ones' lives.

Ryan thought running 50 kilometers through Rome would be the hard part of the family trip to Italy but he was wrong. In today's episode, he shares how the rest of the trip went completely off the rails and what happened after his family got home that made every travel disaster along the way seem small.

In Rome, Ryan could barely go for a run without passing a place connected to Stoic history. In today's episode, he shares moments from his family trip, from visiting the places where the Stoics lived and worked to running a 50K route through Rome's ancient Stoic sites.

It's already Labor Day weekend. What happened?

It might even be easy to use some of the Stoic teachings to tell yourself that travel is exotic, or even frivolous. But it isn't. It's essential.

If Ryan could sit down with Marcus Aurelius and ask him one question, it wouldn't be about Meditations or Stoic philosophy. In today's episode, Ryan poses the question to Professor William O. Stephens, author of and they discuss why the answer is far more complicated than it seems.

Arpit Goel built his first company, Gamma, on a simple pitch: legacy data-loss-prevention tools took nine months to show value, and Gamma got customers there in two weeks. Palo Alto Networks acquired Gamma in 2021. Now Goel is running the same play in a completely different industry. Root is a payments orchestration layer that lets enterprises move money bank-to-bank in about five seconds, with no intermediary ever holding the cash. In this conversation, Arpit explains why he thinks the US is finally close to a tipping point on instant payments, why Root never takes custody of the money it moves, and how the company handles banks that can't yet receive instant payments.What We CoveredGrowing up in India, and the ADHD diagnosis that pushed him toward IIT DelhiWhy he calls himself an "ignorant" founder rather than an experienced oneThe nine-months-to-two-weeks wedge that built Gamma, and why Root uses the same oneDiscovering the payments inefficiency by reading through ADP's 10-KWhy 40% of US SMBs don't accept cards, and it isn't about the feesThe dual pressure of RTP and FedNow that made 2024 the right moment to start RootThe heart, arteries, and capillaries analogy for how Root fits into the banking systemWhat actually happens to money in the five seconds between sender and receiverWhy reliability, not transaction scale, is the hard engineering problem in paymentsHow Root handles banks that can't receive RTP or FedNowWhere stablecoins fit into a bank-rail-agnostic platformWhy Root wants to be the pipes underneath the industry, not the brandKey TakeawaysSMBs refuse cards mostly because of settlement delay, not fees — restaurants earning their week's cash on a Saturday night don't see it until Tuesday, right when they need it most to restock.Root never takes custody of funds. Money moves directly between the sender's and recipient's own bank accounts, and Root charges a fee on top rather than earning float.Reliability, not transaction volume, is the hard engineering problem — Root has built retry and fault-tolerance systems, using the workflow engine Temporal, so a bank outage doesn't have to mean a failed payment.Arpit sees instant payments as a market that hasn't tipped yet but is close — RTP and FedNow now operating together create sustained pressure that neither rail created alone.About Arpit GoelArpit Goel is the founder and CEO of Root. He holds a computer science degree from IIT Delhi and a PhD from Stanford, and previously founded Gamma, a data-security company acquired by Palo Alto Networks in 2021, where he went on to lead product for the data-security business.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

We need to take a step back from problems, arguments, and frustrations. To look at the bigger picture. Watch the full episode with Senator and Astronaut Mark Kelly here: https://www.youtube.com/watch?v=tf-K7cEpuyICheck out Astronaut Terry Virts' full episode on The Daily Stoic Podcast on Apple Podcasts, Spotify, YouTube

Waiting three to five days for funds isn't just annoying, it quietly reshapes entire business models. I sit down with Arpit Goel, CEO of Root, to unpack why money movement in the United States still depends on slow, multi-hop workflows and how that slowness creates “float” across payroll, staffing, marketplaces, insurance, and the creator economy. When settlement is delayed, someone benefits, and Arpit makes a sharp case that incentives are the real blocker, not the lack of technology.We dig into what Root is building in the instant payments space: a non-custodial, bank-to-bank infrastructure layer that aims to deliver true real-time payments where funds settle in seconds and can be used immediately. Arpit explains the “Zelle for businesses” idea, why it matters for enterprise disbursements, and how programmatic treasury APIs can help companies ship faster without spending a year integrating directly with a bank. We also talk about the current US real-time rails, including FedNow and RTP, and why adoption is accelerating as standards and competition push the ecosystem forward.Then we zoom out to the trends payments leaders can't ignore: agentic payments, fraud and liability, strong customer authentication, and the stablecoin-to-bank convergence as regulation catches up. Arpit's final message is direct: compliance is a follower, and security needs to be years ahead as AI-driven attacks scale faster than humans ever could. Subscribe for more conversations like this, share the episode with a payments leader, and leave a review so more builders can find it.

The Federal Reserve controls master account access to payment services like Fedwire and ACH, with 2022 guidelines creating a three tier review for insured banks, uninsured but supervised institutions, and novel charters. A Congressional Research Service report describes a skinny master account concept that would grant limited services to certain nonbanks under strict limits and collateral. Courts have upheld the Fed's discretion in access decisions, including in the Custodia Bank case. FedNow launched in 2023 and RTP continues to grow, giving operators more connectivity options. For founders, direct access could cut costs and counterparty risk but would require strong compliance and could face caps and collateral. Congress may consider legislation or policy to define skinny accounts, and Reserve Banks would implement procedures if adopted.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

The Federal Reserve Bank of St. Louis said Federal Reserve Governor Michelle Bowman will deliver the keynote at the 2026 Community Banking Research Conference. Bowman has served on the Board of Governors since 2018 in the seat reserved for a member with community banking experience and previously served as Kansas State Bank Commissioner. Her recent remarks have focused on tailoring regulation for smaller institutions, supervisory transparency, and the credit effects of capital and liquidity proposals. The conference regularly features research on deposit betas, interest rate risk, and liquidity management following the 2023 banking turmoil. Sessions also address third party risk management and fintech partnerships, along with operational issues tied to FedNow adoption. Stakeholders will watch for signals on capital refinements, call report simplification, Community Reinvestment Act timelines, and supervisory priorities that will shape lending and bank vendor decisions.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Some of the greatest American heroes are people most of us have never heard of. In today's episode, Ryan talks with retired Brigadier General and military historian Ty Seidule about five remarkable Americans whose stories embody courage, sacrifice, service, and leadership. They also talk about why the people we choose to honor matter, what the renaming of military bases reveals about American history, and why telling the truth about the past does not mean giving up on greatness.Ty Seidule served in the U.S. Army for more than three decades, retiring as a brigadier general in 2020. He is a professor emeritus of history at West Point and served as vice chair of the Congressional Naming Commission, which was tasked with renaming Department of Defense assets that honored Confederates.Ty Seidule is the author of A Promise Delivered: Ten American Heroes and the Battle to Rename Our Nation's Military Bases and Robert E. Lee and Me: A Southerner's Reckoning with the Myth of the Lost Cause.

Join FPC Executive Director and CEO Reed Luhtanen as he goes off the rails with Erik Van Bramer of Federal Reserve Financial Services. Reed and Erik talk all things FedNow — where the growth is coming from, the use cases that are emerging, and functionality that is coming to market, and of course the Denver sports scene.Follow FPC on Linkedin! https://www.linkedin.com/company/us-faster-payments-council/posts/?feedView=all

The Bank Policy Institute issued a joint comment on the Federal Reserve's proposed Payment Account Framework, urging uniform, transparent criteria for master account and services access. The filing called for nonbank applicants to meet bank like standards for anti money laundering controls, cybersecurity, liquidity, capital, and resolution planning. It recommended consistent review processes across the twelve Reserve Banks, clear timelines for decisions, and public reporting of aggregate outcomes. The framework builds on the Board's 2022 Account Access Guidelines and would cover services including Fedwire, FedACH, and FedNow. Context includes Custodia Bank litigation affirming Federal Reserve discretion and competitive pressure from FedNow and The Clearing House's RTP. Founders should prepare for higher compliance costs, stronger risk controls, and potential shifts in sponsor bank relationships as rules are finalized.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Knowledge Project Key Takeaways The dating site story is systems thinking in one anecdote: a large dating site hypothesized longer profiles would drive more engagement They tested it. It was true. They rolled it outMany, many months later they discovered it was negative for conversion — when people knew that much about each other, they converted lessThat is a second-derivative effect, and you only find it way after the factThe combination is the whole point: know the really old stuff (the history of your field, which signals passion) and really understand the new edge. Do both and you're a power playerApplying for a marketing job at P&G or Pepsi? Know the legends of marketing and genuinely get TikTok. That's a wildly differentiated candidateThe built-in filter: if learning the history of your field sounds tedious, you're in the wrong lane. Tedium is the signal that the passion isn't thereWall Street is the buyer of the product venture capitalists create, since liquidity is either M&A or an IPO and that's where the price gets set — so even at two people on a PowerPoint, you're asking whether this thing grown up is something that buyer gets excited aboutChina has roughly 10 good open source models and the farmer metaphor explains why that matters: two agricultural societies, in one the farmers come to market, sell goods, go home. In the other, they're forced to share best practices with every other farmer. Which one evolves faster? They're open sourcing weights and publishing the new techniques. Meanwhile a lot of US startups are quietly forking those modelsThe chart that tells the AI funding story: losses of the category-leading company before going cash flow positive. Amazon was two or three billion. Uber was around 15 billion. These AI companies will be way bigger than thatBurn rate used to be the risk metric: ten years ago a million a month was terrifying. Now companies burn five billion a year, over a hundred million a month, and at that speed it's genuinely hard to know what your unit economics even areStablecoins are functionally a workaround for regulation the banks lobbied into existence. ACH takes three days, a same-day wire costs $25 and a page of forms, and credit cards charge 2 to 2.5% — “there's zero reason why it should cost two or three percent, just zero” UK Faster Payments did instant bank-to-bank 20 years ago, Pix hit 60-70% of transactions within six years, and the US built FedNow but it went nowhereBill once asked Jeff Bezos how his angel portfolio was so successful given he has zero free time. The answer: when he meets an entrepreneur there is only one question he asks himself, is this person going to do this no matter what, come hell or high water?Benchmark made the partnership flat — no lead partner, no king, no president, just five equal partners, which makes recruiting easy, actually develops new partners, and eliminates all the annual comp politics. The one huge negative: with no CEO, nobody owns anything firm-wide, which is why the site is still a single splash page 15 years laterRead the full notes @ podcastnotes.orgBill Gurley spent years on Wall Street, built his career as a partner at Benchmark, worked through Uber's hypergrowth era, and now serves on the board of the Santa Fe Institute, where he studies complexity and systems thinking. In this episode, Bill shares the mental models he returns to most, including systems thinking, second- and third-order effects, and the importance of understanding both the bedrock of your field and the bleeding edge. He explains what separates great founders, why storytelling and product instincts matter, how he uses AI across different models, and what he sees coming in open source, China, stablecoins, tokenization, payments, and venture capital.  ------ Timestamps: (00:00) Key Mental Models (02:02) Investing Journey and Key Players (05:21) Knowing the Bedrock of the Industry (08:50) Obsessive Learning in Founders (10:04) The Silent Edge (11:44) Surprising AI Use (13:13) The Future of AI Models (14:17) Global AI Regulation (18:12) Impacts of AI on Investing (19:53) Are There Limitations on Training AI Models? (23:04) Would You Sit in the Back Seat While Your Tesla Drives? (24:15) Non-Consensus Opinions (24:53) Are We Overfunding this Buildout? (29:40) The Role of Retail Investors and Tokenization (34:26) What is a Stablecoin? (37:58) Competitive Mode: Visa and Mastercard (39:55) AI and Debt Analysis (45:05) The Craft of Storytelling and Writing (48:07) Founder Advantage: Product Instinct (50:12) Real World Lessons from Working With Uber (52:10) Inside Benchmark's Success (59:42) What is Success for You? ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ Follow Bill Gurley LinkedIn: https://www.linkedin.com/in/billgurley/ X: https://x.com/bgurley?lang=en Check out Runnin' Down a Dream: How to Thrive in a Career You Actually Love ------ Thank you to the sponsors for this episode: +CoinShares: Delivering Reason to Digital Asset Investing. ⁠https://coinshares.com/⁠ +Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes +HeyGen is a message-first AI video platform that helps people and AI agents turn ideas into professional video in minutes. Try for free at https://www.heygen.com/ +LMNT: My go-to zero sugar electrolytes — get a free LMNT Sample Pack here: DrinkLMNT.com/TKP Learn more about your ad choices. 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Something bigger is happening around XRP—and it isn't just one headline. Ripple President Monica Long has been recognized as one of the most influential leaders in stablecoins as RLUSD continues gaining momentum. MoonPay has connected FedNow to its platform, bringing real-time 24/7 payments another step closer to digital assets. Franklin Templeton now leads tokenized Treasury issuers with $1.6 billion in on-chain AUM growth, while Citadel Securities has made its first major crypto investment with a $400 million commitment to Crypto.com focused on tokenized securities and derivatives. At the same time, the CLARITY Act continues advancing in Washington, providing the regulatory framework institutions have been waiting for. These aren't isolated stories. They're all pointing in the same direction. In today's episode of **On The Chain**, Jeff and Chip connect the dots behind XRP, Ripple, RLUSD, FedNow, tokenization, stablecoins, institutional adoption, and why the financial system appears to be converging faster than ever before. We also go **Around the World**, breaking down today's biggest geopolitical stories, including election integrity, Scott Bessent, Marco Rubio, government oversight, Canada, and the global developments shaping markets and policy. **If you want to understand what's happening—not just the headlines, but how they all fit together—this is the episode you don't want to miss.** ━━━━━━━━━━━━━━━━━━━━ ## SUPPORT ON THE CHAIN ☕ Badassery Coffee [https://badasserycoffee.com](https://badasserycoffee.com)

The Federal Reserve is advancing a next-gen financial inclusion agenda focused on instant payments, interoperable data, and stronger fraud controls. FedNow, launched in July 2023, provides 24 by 7 by 365 settlement and is expanding through banks, credit unions, and core processors. Small businesses can benefit from faster receivables, instant disbursements, and request-for-payment capabilities that improve cash flow. The Consumer Financial Protection Bureau's proposed Section 1033 rule aims to standardize data sharing, enabling cash-flow underwriting for thin-file entrepreneurs and clarifying liability. The Fed promotes tools like the FraudClassifier model and the Synthetic Identity Fraud Mitigation Toolkit to manage real-time risk. Community banks are sequencing FedNow adoption with vendors such as Fiserv, FIS, and Jack Henry, while CRA updates and interagency third-party risk guidance shape bank-fintech partnerships.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

 If we don't believe we're capable of change, then we are definitely not capable of change.

Bloomberg reported that Plaid is considering a US initial public offering. Plaid provides bank-data connectivity for apps including Robinhood, Coinbase, SoFi, and Venmo. The company ended a $5.3 billion sale to Visa in 2021 after a Department of Justice antitrust suit, then raised $425 million at a $13.4 billion valuation. Plaid has expanded into identity verification, fraud tools, and ACH payments, and it introduced consumer permissioning controls. In December 2022, Plaid cut about 260 roles, or 20 percent of staff. A potential listing would unfold alongside the CFPB's open banking rulemaking, faster payments adoption via FedNow and RTP, and competition from Mastercard's Finicity, Envestnet's Yodlee, MX, Visa's Tink, and TrueLayer.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

Mailing checks to pay off a credit card in 2026 sounds like a joke, but it is still a real debt consolidation workflow at scale. Greg Myers sits down with Jose Bethancourt, Co-Founder and CEO of Method, to unpack why liability payments are uniquely messy and what it takes to make them feel as seamless as modern fintech promises.Jose shares his path from growing up in South Texas near the Mexico border to building products at UT Austin, then turning a personal problem into a company. GradJoy started as a way to help new graduates understand student loan debt, interest rates, and payoff strategies, but it quickly revealed a deeper issue: people often cannot even locate their liabilities, and credential-based financial data access is brittle. Method tackles that with an identity-based financial connectivity API that, with consent, can find student loans, credit cards, mortgages, auto loans, and personal loans, then enable two-way flows that support both reading data and sending payments to creditors.We also get into what this unlocks for underwriting, personalization, and better customer outcomes, plus how it can reduce errors and fraud compared to manual PAN entry and back-office check operations. Jose lays out a forward-looking view of AI in payments, agentic payments, and a world where an AI agent can securely analyze your debt, shop for a better APR, and execute payoffs. Finally, we step back to discuss consumer demand for speed, why ACH still shapes reality, and how RTP and FedNow may push expectations even further.

Kris Kovacs sits down with Mark Majeske, Senior Vice President of Faster Payments at Alacriti, to explore how instant payment technologies like RTP, FedNow, and emerging payment rails are transforming the future of credit unions. Powered by Curql, this episode dives into member expectations, fraud prevention, cross-border payments, payment orchestration, and why offering faster payments has become a strategic advantage for institutions looking to grow deposits and improve member experiences.

This episode is part of our occasional Fintech Revealed series, where we do an extended deep dive into one topic with two industry experts. The topic today is vertical fintech, and I am joined by Matt Hennessy, the Business Lead at Increase, the modern banking infrastructure company, and Jamie Fox, the General Manager of Fintech at Tekion, the AI-native cloud platform that runs the entire business for auto dealerships across the US, Canada, and the UK. Tekion built its embedded banking on Increase, so the two of them give us both sides of the same story: the platform that lives inside the dealership and the infrastructure that connects it to the banking system. We get into the surprisingly large money flows inside a single dealership, why paper checks still beat instant rails for many operators, how compliance and trust get engineered into the product, and just how big this embedded banking opportunity gets.What We CoveredWhat vertical fintech is and why it matters nowThe money flows hiding inside a single car dealershipWhy outbound dealer spend is roughly 2x inboundOperating account vs. ledgering account adoption pathsDealer-to-dealer payments as a ledger change with zero rail feesInstant rails: RTP, FedNow, and Request for PaymentThe persistence of paper checks and the cost to operationalize themDirect Fed access vs. layers of middlewareCompliance as code, codified into the productBuilding trust in building blocksWhere agentic payments and "know your agent" fit inHow large the embedded banking opportunity ultimately getsKey TakeawaysOwning the financial system of record inside core operating software is the defensible position in an age when light "systems of engagement" can be replicated with AI.Outbound payments, not inbound, are the bigger prize: US auto dealerships pushed out roughly $1.3 trillion in 2024, about 2x what they took in.The barrier to instant rails is education, not technology. Many dealers do not know RTP or FedNow exists, or that they can pay a vendor any day of the week.Trust cannot be launched all at once. Holding a dealer's operating cash is a different level of trust than processing a payment they can fall back on, and it is earned in building blocks.For the founding story and more about Increase, check out my conversation with CEO and Founder Darragh Buckley from last year.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Send us Fan MailWhen will instant payments come to smaller credit unions?Perhaps the better question is: Will instant payments ever come to smaller credit unions?On the show are Bob West, CEO of CUSO CU*South, which serves  some 360 credit unions (in 42 states, not just the south), and Keith Riddle of Payfinia, which has launched an instant payment platform that integrated with CU*South's technology - meaning it's straightforward for a CU*South customer to integrate into Payfinia's tools.Now get this: most CU*South credit unions are smaller institutions.  Lots are under $350 million in assets.What might have seen a dream - available only to the likes of Chase and Navy Fed - now is available to small institutions.Does it matter?Will members use this instant payments technology?Instant payments are a reality - that's a fact in today's immediacy economy.  Credit unions need to climb aboard this train.  Listen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In this episode, Craig Jeffery speaks with Paul Galloway of Strategic Treasurer about the shift toward real-time treasury and instant payments. They discuss RTP, FedNow, faster payment execution, improved visibility, and the operational changes treasury teams must consider as payment speed increases. The conversation also covers fraud risk, payment finality, approval workflows, transaction limits, alerts, and why stronger front-end controls are critical as organizations move toward more immediate payment environments.

On this episode of the Woodard Report podcast, Joe and Heather speak about the rapid evolution of AI, payments, and pricing models in the accounting technology space. They explore Intuit's move toward real-time FedNow payments, the rise of outcome-based AI pricing, and how firms can adapt by focusing on value, process discipline, and proactive decision-making rather than fear or hesitation. Current events — Intuit becomes FedNow Certified Digits Announces Outcome-Based Pricing TV/Movie quote of the week — Project Hail Mary The Man Without a Face Excellent things we learned — Export your prompt history from ChatGPT and import it into Claude Member spotlight — Essential Bookkeeping Solutions The Woodard Report article of the week — Why Accountants Undercharge Without Realizing It Thank you to our show sponsor, Woodard! The Woodard membership program will help you build your ideal practice with our coaching, education, community and resources. We'll get you there with strategic direction from experienced pros, access to skill building and resources and a community to continually inspire your practice's transformation. Learn more about the show and our sponsors at Woodard.com/podcast

Gift cards have a branding problem and it's costing the payments world a big idea. Alex Preece, CEO and Co-Founder of Tillo, joins us to make the case that gift cards aren't really “gifts” at all. They're programmable stored value, a modern redemption rail that can sit inside bank apps, fintech wallets, cashback programs, employee rewards, refunds, and payouts. Once you see them as a payment instrument, the market looks a lot less like novelty and a lot more like infrastructure.We dig into how Tillo built a two-sided marketplace that connects thousands of retail brands with the businesses that want to reward customers and employees. Alex explains why a single API matters in a fragmented global ecosystem, what it takes to support multi-country catalogs, and how better tooling and transparency can make brands more confident partners. We also talk about a surprising insight: most volume is self-use, not gifting, because people are optimizing everyday spending by converting earned value into higher-impact rewards.We zoom out to the bigger payments trends reshaping rewards and loyalty: the demand for real-time gratification, the opportunity created by open banking and faster payments like RTP and FedNow, and the emerging push toward “global but local” benefits that actually work when customers travel or live abroad. If you're building in payments, loyalty, or fintech growth, this is a practical look at where rewards infrastructure is heading and why it can change behavior at the moment of decision.

"In the end, we're all trying to make a better way for consumers to shop. We want those transactions to be completed in the most easy, efficient manner possible." Unlock the secrets of the payments industry as John Drechny, CEO of the Merchant Advisory Group (MAG), joins the show to share how collaboration between major retailers drives massive innovation. From the surprising origin story of how Walmart and other giants teamed up to form their own advocacy powerhouse to the real-world impact of eliminating antiquated chargeback rules, this conversation explores how merchants are finally getting a seat at the table with networks and legislators. You will discover how collective influence is shaping the future of AI in retail, the push for faster payment competition like FedNow, and why the simple act of networking can solve the most complex technical hurdles. Whether you are a seasoned professional or new to the space, this episode provides an insider look at how the MAG is simplifying the consumer shopping experience and advocating for a more efficient global marketplace.   Links from the video:   Merchant Advisory Group (MAG) - https://www.merchantadvisorygroup.org   John Drechny - https://www.linkedin.com/in/john-drechny-480b962   --------------------------------------------   ➡️ Special thanks to Incognia for making this episode possbile and providing the cutting-edge technology needed to ground digital identity in the physical world. To learn more about how they utilize persistent device IDs to stay ahead of sophisticated evasion tactics like app reinstalls and factory resets, visit https://www.incognia.com/blog/incognias-network-graph-persistent-device-id-for-faster-fraud-investigations  

Money moves through the U.S. payments system every second of the day. One key part of that system is the FedNow® Service, the Federal Reserve's instant payment rail. Launched in 2023, it enables financial institutions to move funds instantly – 24/7, 365 days a year. While FedNow is focused on domestic payments, the Fed is also exploring how it could eventually help make cross-border payments faster and simpler.    In this Six Hundred Atlantic episode, Executive Vice President and Chief FedNow Executive Nick Stanescu discusses why FedNow was created, how it works, and what it could mean for businesses, consumers, and the future of financial access.  

In this installment of our Payroll Brass Tax podcast series, Mike Mahoney (Morristown/New York) and Stephen Kenney (Dallas) explore the payroll and employment tax implications of on-demand pay, also known as earned wage access (EWA), and how real-time payment systems like the Federal Reserve's FedNow service are accelerating its adoption. Stephen and Mike, who is the chair of the firm's Employment Tax Group, cover the IRS's constructive receipt doctrine, FICA timing, Fair Labor Standards Act considerations, emerging state licensing regimes in Nevada and Missouri, and Treasury's proposed legislative fixes in the 2025 Green Book.

“Getting it right means getting the right people, balance, structure, and authority—and everyone loving what they're doing.” – Mark ZookWelcome to episode 230 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jilly Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti, a leading payments fintech helping credit unions modernize money movement. Alacriti enables real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. Through a single cloud-native platform that connects to RTP, FedNow, Fedwire, ACH, Visa Direct, and Zelle, credit unions can progressively modernize without overhauling legacy systems. Learn more at alacriti.com!In this new 2026 season, Jilly and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.Join us for this episode as we welcome Mark Zook, President and CEO of Maps Credit Union. He joins us to discuss something that many leaders experience but rarely say out loud: the fact that real growth often begins after you become the CEO. Mark stepped into the CEO role internally and has continued to evolve as a leader via years of work both inside his organization and across the credit union movement!Listen in as Mark shares what it was like moving into the CEO seat after seventeen years at Maps, believing himself to be prepared only to quickly realize how wrong that he had been. His first months in the role happened during the chaos of the Great Recession, which forced him and his newly assembled executive team to come together quickly, make difficult decisions, and build resilience in real time—all early challenges which shaped how he approaches leadership today!We also spend some time talking about one of the biggest transitions leaders face: shifting from being the person who gets things done to the person who empowers others to do the work. Mark reflects on how his “builder” mindset had to evolve once he became CEO. Instead of being the one executing, he instead had to learn how to listen, support, and guide the people around him.Throughout our conversation, we also touch upon the role that mentors play in leadership growth, with Mark reflecting on the major influence that former Maps CEO Dan Penn had on him, having pushed him into opportunities long before he felt ready. That spirit of curiosity and experimentation has shaped a lot of Maps' culture—from launching organizations that benefit the industry and even to entering newly emerging areas such as cannabis banking. We also talk about the value of iteration in leadership and how ideas rarely start fully formed. Hear how many of the initiatives that began as small experiments at Maps have grown into major organizations serving credit unions nationwide.Along the way, Mark shares lessons about risk, resilience, and the importance of building strong teams. If you have ever wondered what leadership growth looks like after the promotion, our conversation with Mark Zook offers an honest and thoughtful perspective!Find the full show notes on cuinsight.com.Connect with Mark:Mark Zook, President/CEO of Maps Credit UnionSend us Fan Mail

“Creating space isn't accidental, but an actual decision that must be made every day.” - Jilly NowackiWelcome to episode 229 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jilly Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti, a leading payments fintech helping credit unions modernize money movement. Alacriti enables real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. Through a single cloud-native platform that connects to RTP, FedNow, Fedwire, ACH, Visa Direct, and Zelle, credit unions can progressively modernize without overhauling legacy systems. Learn more at alacriti.com!In this new 2026 season, Jilly and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.Join us for this episode as we discuss something that is seemingly simple but surprisingly difficult for leaders to do: creating space—space for the work that actually matters, space for the people who matter most, and space to think without your calendar screaming at you! Between emails, notifications, and endless meetings, it's so easy to let the urgent take control over what's truly important, and we're sharing how we intentionally carve out the time, energy, and focus to prevent that from happening.Tune in as we discuss why leadership isn't just about doing more but is also about choosing what to give your attention to. Jilly shares why protecting your energy matters just as much as protecting your time, and we explore how easy it is to let the squeaky wheel hijack your focus. We talk about strategies like the urgent-important matrix and service level agreements, but also the subtler art of saying “no” without feeling guilty. Learning to resist comparison and focusing on your organization's mission instead of someone else's success can make a bigger difference than people realize.We also talk about the seasons of life and work, and how priorities shift over time. We reflect on moving from constant networking to more meaningful conversations, and we share how integrating personal and professional life helps with alignment and with what matters most! We also both share how we try to honor our natural rhythms, protect uninterrupted time for reflection, and avoid letting the “urgent” distract from the work that has the most impact.By the end of this episode, expect to hear how intentional space—not just busy schedules or productivity hacks—creates clarity, energy, and better decisions! We are sharing honest experiences, practical habits, and a few birthday weekend laughs along the way! Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book ListSend a text

“As women, we have a lot of work to do—and that work is something we have to continue to be impatient about.” – Tansley StearnsWelcome to episode 228 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jilly Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti, a leading payments fintech helping credit unions modernize money movement. Alacriti enables real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. Through a single cloud-native platform that connects to RTP, FedNow, Fedwire, ACH, Visa Direct, and Zelle, credit unions can progressively modernize without overhauling legacy systems. Learn more at alacriti.com!In this new 2026 season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.Join us for this episode as we welcome Tansley Stearns back to the show. Tansley is the President & CEO of orsa credit union, and she helps challenge us to think about leadership from the inside out, sharing a candid conversation about what it actually takes to become the kind of leader you're proud to be, not just the one who looks impressive on paper.We talk with Tansley about a defining moment during COVID that reshaped how she thinks about people, trust, and growth and how, from that experience, came her powerful framework of “cushions and wings,” or the idea that leaders must first create safety, care, and trust before asking people to stretch, innovate, and take risks. Without the cushion, the wings can do real harm. That idea really sets the tone for our discussion on authenticity, emotional honesty, and the responsibility that leaders carry when people are watching everything that they do.Tansley shares what it's meant for her life and journey as a leader to let go of people-pleasing, borrowed identities, and the masks she once wore to fit into rooms that didn't always feel like home. We explore how embracing who she truly is—laughter, emotions, bold dreams, and all—has made her a more effective and trusted leader, and she also opens up about her uncompromising standards: no “brilliant jerks,” no behavior that harms people, and no shrinking herself to make others feel more comfortable.We also reflect on the mentors who have shaped us, the feedback that changed us, and the responsibility that we now have to show up for the next generation of leaders. We talk about values, joy, growth, and why leadership is ultimately about people, not metrics. This episode is for anyone who's questioning who they're becoming at work, who feels the weight of trying to belong, or who wants to lead with courage, care, and clarity, with Tansley reminding us that authenticity isn't a destination but a practice! Enjoy our conversation with Tansley Stearns!Find the full show notes on cuinsight.com.Connect with Tansley:Tansley Stearns, President & CEO of orsa credit unionorsacu.org Tansley: LinkedInorsa credit union: LinkedIn | Facebook | Send a text