Podcasts about Open banking

Should banks be allowed to charge fintechs to access customer data? And could doing so stifle open banking innovations?

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Cosa succede quando l'intelligenza artificiale incontra il cuore tecnologico delle banche?In questo episodio esplosivo della rubrica Hacking Expert, ho dialogato con Simone Chiappino, Head of Project Management di OCS, per esplorare l'evoluzione del settore FinTech, la modernizzazione dei sistemi legacy, il ruolo del cloud computing e l'impatto dei nuovi metodi di pagamento.Scopriamo:- Perché le banche sono, da decenni, aziende IT senza saperlo- Come affrontare la complessità dei sistemi legacy (i famosi “Frankenstein digitali”)- Le promesse e le trappole del cloud computing bancario- Embedded finance, Open Banking e AI conversazionale- Pagamenti invisibili, wallet europei e il concetto di “hardware-less”- Come l'AI sta ridefinendo il credito, il rischio e la customer experience- Il ruolo delle banche come certificatori di fiducia nei mercati digitali

Glen connects with Paylume's Andrew Gomez to unpack the burgeoning pay by bank model, explore lessons learned from other countries' rollouts, and consider the pros and cons facing banks and credit unions. Also- a possible open banking do-over, more stadium naming rights, and resisting the urge to spike the ball before the goal line.    Links related to this episode:   Andrew Gomez/Paylume: https://www.linkedin.com/in/r-andrew-gomez/    Nacha's Remote Connect, June 6-9: https://payments.nacha.org/remote-connect    Part One of our Nacha Payments conference coverage: https://www.big-fintech.com/getting-direct-about-ach/    CU Daily's coverage of a positive sign for CUs' tax exemption: https://thecudaily.com/in-victory-for-credit-unions-cu-tax-exemption-not-targeted-in-committees-bill    The recent CU Town Hall on which we debated implications of the tax exemption: https://www.cutownhall.com/    Bloomberg Law's coverage of potential Open Banking (Section 1033) reconsideration: https://news.bloomberglaw.com/banking-law/cfpb-plans-to-revisit-open-banking-rule-despite-workforce-cuts    BECU's partnership with the WNBA's Seattle Storm, one of several recent naming rights deals: https://storm.wnba.com/news/storm-announce-becu-as-partner-for-performance-center   Join us for our next CU Town Hall- Wednesday May 21 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will feature a round robin on the countless recent regulatory twists and turns. The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/   Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textThis show started out as an exploration of Jack Henry's 7th annual Strategy Benchmark Survey where CEOs of credit unions and banks reveal what really matters to them.  It's a data trich survey, there's a link in the show notes and I say that because the talk with Lee Wetherington – Senior Director of Corporate Strategy at Jack Henry quickly veered into what's happening in Washington DC and how changes - especially at CFPB - may impact credit unions.Along the way we discuss how this is an age where data rules, open banking is coming at you ready or not, you probably don't know your members nearly as well as you think, and small business relationships probably aren't what you think but they may well be critical to the future of many credit unions.Does that spicy stew have your taste buds dancing with excitement? It should because this is a show that plunges into the unexpected but it's stuff you need to know about banking tomorrow.Listen up.Like 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

Gäste:Prof. Dr. Silke Finken | International School of ManagementPatrick Henrich | CommerzbankJoris Hensen | Deutsche BankKai Wirthwein | First Financial Angesichts des hohen Aufwands, der für die Umsetzung von FIDA (Financial Data Access) zu erwarten ist, fragen sich viele – vor allem kleinere und mittlere – Kreditinstitute, worauf sie sich vorbereiten müssen. Die Standardisierung von Daten sowie die Bewertung und entsprechende Priorisierung von Use Cases sind sicherlich Aufgaben, mit denen man sich schon jetzt beschäftigen sollte. Die aktuelle Stammtischrunde mit Professor Dr. Silke Finken, Patrick Henrich, Joris Hensen, Dr. Christoph Huck, Ute Kolck und Kai Wirthwein gibt weitere wichtige Denkanstöße.

In the final episode recorded live from Money 20/20 in Las Vegas, Nevada, Eyal sits down with leaders from the the three major U.S. core banking providers: Hashim Toussaint, General Manager of Digital & Open Banking at FIS; Chad Killingsworth, Head of Engineering at Jack Henry; and Sunil Sachdev, SVP, Head of Embedded Finance at Fiserv. Among them, these three providers serve not dozens or even hundreds of banks, but thousands, as they enable the long tail of a richly diverse and populous American banking ecosystem. Given their reach, for open banking to succeed in the U.S. the cores will have to embrace it, and throughout this discussion our guests break down exactly how their firms intend to do so. The conversation covers the latest regulatory developments, including the new compliance timeline, the exclusion of smaller banks from regulatory requirements, and how the U.S. cores are ultimately being driven by the real demands of digitally-savvy consumers more than by regulatory mandates. Specifically they discuss:The role of core banking providersThe CFPB rule and compliance timelines Security frameworks and API strategies Smaller banks' exclusion from regulationThe choice to build vs. buy vs. partner

Ahead of Monday's election, Wealthsimple CEO Mike Katchen interviews Peter Julian about his party's economic platform.The TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

Ahead of Monday's election, Wealthsimple CEO Mike Katchen interviews Jonathan Pedneault about his party's economic platform.The TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

Ahead of Monday's election, Wealthsimple CEO Mike Katchen interviews Pierre Poilievre about his party's economic platform.The TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

In dieser Folge spreche ich über die Direktüberweisung via Open Banking mit Timo Seifert, Director of Product Mangement, Unzer. Zur Einstimmung auf unseren Kongress, der im Mai stattfindet, spreche ich in dieser Specialreihe mit verschiedenen Menschen aus dem Payment zu unterschiedlichen aktuellen Paymentthemen.

Recorded live at Money 20/20, 2024 in Las Vegas, Nevada, Eyal is joined by three leading voices from the open banking community whom he knows rather well: Michelle Beyo, CEO & Founder of Finavator; David Birch, Author, Advisor and Principal at 15Mb; and Don Cardinal, Senior Vice President at the Financial Data Exchange. Together, they examine how open banking is taking shape across Canada, the United Kingdom, and the United States, offering insights informed by their respective regions. Between them, they provide a global perspective on the evolution of open banking, not only based on activity in different regions, but across the three main pillars of open banking infrastructure: data sharing, real-time payments, and digital identity. David delves into the UK's early open banking implementation, Don explores the U.S.' market-driven approach to open finance, and Michelle shares her advocacy for a human-rights-based view of data ownership. From universal data rights to the rise of digital wallets, this conversation provides a comprehensive look at where the open banking standard is today and where it is headed. Specifically they discuss:Global approaches to open banking The significance of data rightsReal-time payments and digital walletsHow digital identity plays a crucial roleThe future of open banking in the US

Lena Hackelöer, Founder & CEO, Brite PaymentsPowered by open banking, Brite Payments claims to offer transparent, faster, smarter, and more secure payments. Open banking-powered account-to-account payments enable a user to pay for goods or services directly and instantly with their bank account. Brite Payments CEO Lena Hackelöer is a returning guest to the podcast – having appeared first in April 2023. Two years is a long time in FinTech! She discusses the transformation in European consumer payments with Robin Amlôt of IBS Intelligence… and how Brite Payments itself has evolved.

Nach dem Hin und Her um FIDA haben die Verhandlungen im Europäischen Rat inzwischen begonnen. Während auf politischer Ebene unter anderem noch über den Anwendungsbereich und die Umsetzungsfrist diskutiert wird, haben die Arbeiten zur Gestaltung der Schemes längst begonnen. BiPRO, das Brancheninstitut für Prozessoptimierung, welches die FiDA-Scheme Policy Commission leitet, hat hier schon viel Vorarbeit geleistet – nicht nur für die Versicherungsbranche. Im aktuellen Open-Banking-Stammtisch diskutieren wir mit Prof. Dr. Silke Finken (International School of Management), Patrick Henrich (Commerzbank), Dzmitry Permiakou und Torsten Jäger (BiPRO), wie die Bankbranche hiervon profitieren und Aufwände reduzieren kann.

Alexander Berrai, Deputy CEO, emerchantpayWe review the changing dynamics of Europe's payments ecosystem, taking in digital wallets, virtual cards, open banking, cross-border transactions, and regional payment preferences. We also discuss the rise of eCommerce in Europe, notably across borders, and in second-hand and social commerce. Robin Amlôt of IBS Intelligence speaks to Alexander Berrai, Deputy CEO of emerchantpay about some of the findings in the company's latest Global Payments Outlook.

How do top policymakers balance fostering technological advancement with necessary oversight? Join Michael Krigsman as he speaks with Lord Chris Holmes and Lord Tim Clement-Jones, members of the UK House of Lords, for a deep dive into the critical intersection of technology policy, innovation, and public trust.In this conversation, explore:-- The drive for "right-sized" AI regulation that supports innovators, businesses, and citizens.-- Strategies for effective AI governance principles: transparency, accountability, and interoperability.-- The importance of international collaboration and standards in a global tech ecosystem.-- Protecting intellectual property and creators' rights in the age of AI training data.-- Managing the risks associated with automated decision-making in both public and private sectors.-- The push for legal clarity around digital assets, tokenization, and open finance initiatives.-- Building and maintaining public trust as new technologies become more integrated into society.Gain valuable perspectives from legislative insiders on the challenges and opportunities presented by AI, digital assets, and data governance. Understand the thinking behind policy decisions shaping the future for business and technology leaders worldwide.Subscribe to CXOTalk for more conversations with the world's top innovators: https://www.cxotalk.com/subscribeRead the full transcript and analysis: https://www.cxotalk.com/episode/ai-digital-assets-and-public-trust-inside-the-house-of-lords00:00 Balancing Innovation and Regulation in AI02:48 Principles and Frameworks for AI Regulation09:30 Global Collaboration and Challenges in AI and Trade15:25 The Role of Guardrails and Regulation in AI17:43 Challenges in Protecting Intellectual Property in AI22:32 AI Regulation and International Collaboration29:11 The UK's Approach to AI Regulation32:00 Proportionality and Sovereign AI36:28 Digital Sovereignty and Creative Industries39:09 The Future of Digital Assets and Legislation40:53 Open Banking, Open Source Models, and Agile Regulation45:43 Ethics and Professional Standards in AI47:22 Exploring AI and Ethical Standards49:00 AI in the Workplace and Global Accessibility51:40 Regulation, Public Trust, and Ethical AI#cxotalk #AIRegulation #AIInnovation #DigitalAssets #PolicyMaking #UKParliament #TechPolicy #Governance #PublicTrust #LordChrisHolmes #LordTimClementJones

In this episode, the co-founder and interim CEO of Volt, talks about Volt and open banking.

This episode is brought to us by Mastercard.The financial world is changing fast, and as we enter the 10th year of So Money, one of my goals is to keep us updated on the latest innovations and technology shaping our money world…to help you understand what's coming, why it matters, and how you can leverage these changes to improve your financial life.Let me start with a quick thought: what if we had the power to unlock opportunities by using our own data — to switch direct deposits in minutes, get faster loans, or use your rent history to build credit?This is where one of the newest innovations in the finance world enters the picture. It's called open banking and it's transforming the financial ecosystem.Joining me today is someone who is at the forefront of opening banking: Jess Turner, EVP and Global Head of Open Banking and API at Mastercard. Listen as Jess breaks down what open banking is, why it's the thread tying together this new financial world, and how it's transforming the way we borrow, save, and spend.To learn more about Open Banking, visit this comprehensive guide.

Bindesh Pandey, Group VP, Digital Financial Solutions, Comviva TechnologiesBanks have historically viewed FinTechs as disruptors – a view that many FinTechs would themselves take. However, times change, and technology evolves. Now the bank/FinTech relationship is more complex and nuanced. Competition is fierce in some areas while mutually beneficial collaboration is the order of the day elsewhere. Robin Amlôt of IBS Intelligence speaks to Bindesh Pandey, Group Vice President of Digital Financial Solutions at Comviva about the factors dictating the shape of relations between banks and FinTechs.

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

Cybersecurity Insights: February Review & Current Trends Join us in this comprehensive discussion on February's cybersecurity highlights, featuring experts Laura Payne from White Tuque and David Shipley from Beauceron Security. We delve into Canada's cybercrime progress, discuss significant global cyber incidents, and explore the ongoing challenges in cybersecurity regulation, AI integration, and digital identity. Additionally, we address the impacts of U.S. policy changes on cybersecurity standards and the vital need for effective cybersecurity education in the face of rapid technological advancements. Stay tuned for crucial insights and pragmatic advice to navigate today's cybersecurity landscape. 00:00 Introduction and Panel Welcome 01:30 Cybercrime Trends in Canada 05:59 International Cybercrime and Ransomware 08:08 Nation-State Cyber Heists 14:14 Legacy Systems and Cybersecurity Challenges 17:08 Open Banking and FinTech Security 24:35 US Federal Cybersecurity Cuts 30:57 The Reality of Cyber Threats 31:13 Cultural Perceptions of Cybersecurity 31:57 Political Will and Cybersecurity Policies 32:44 North Korean Cyber Threats 33:17 Generational Knowledge and Cybersecurity 34:20 Cryptocurrency Regulation Challenges 35:11 Digital Identity Concerns 41:00 Encryption and Privacy Debates 47:08 AI and Cybersecurity Risks 57:06 Concluding Thoughts and Future Directions

Matt Cohen and John Ruffolo talk about the BDC Capital $1B fund, the state of early-stage VC funding in Canada, and the rise of mega-deals dominated by U.S. investors. They also discuss the feasibility of the Quebec City-Toronto high-speed rail project, AI copyright lawsuits, potential Trump-era tariffs, and the future of open banking in Canada.Key TopicsBDC Capital's $1B Growth-Stage Investment Fund (00:42)* BDC Capital announces a $1B investment fund, with:* $500M Growth Venture Fund for direct investments and co-investments.* $450M Growth Equity Partners Program for minority stake investments in mid-market companies.* Concerns were raised by Mark McQueen about lack of early-stage funding* John Ruffolo's take:* Canada's early-stage VC ecosystem is underfunded.* BDC was meant to focus on riskier, early-stage investments, while EDC (Export Development Canada) focused on growth-stage.* Shift towards later-stage funding may leave early-stage startups without necessary capital.Canadian Venture Capital Funding Trends (04:55)* CVCA's 2024 report:* $7.86B invested across 592 deals, up 10% from 2023.* Mega deals ($50M+ rounds) comprised 62% of total VC investments.* Seed-stage funding fell 50% to $510M.* Notable mega-deals:* Clio – $1.24B Series F* Cohere – $616M Series D* Blockstream – $289M convertible note* Waabi – $275M Series B* U.S. investors dominate:* 32% of Canadian VC deals had U.S. investor participation.* Clio's round was entirely U.S.-funded.* John Ruffolo's analysis:* Canada needs stronger domestic venture capital.* U.S. capital will always flow into late-stage companies, but early-stage funding is crucial for long-term ecosystem growth.* Lack of Canadian IPOs in 2024 is a concerning sign.Quebec City-Toronto High-Speed Rail: $90B Boondoggle? (09:17)* Massive infrastructure proposal:* $60B–$90B price tag, with $3.9B allocated to planning alone.* Construction won't begin for at least five years, taking 5–7 years per segment.* Criticisms:* Timing is political (announced right before an election).* Where is the funding coming from? Canada's finances are already stretched.* Route selection is questionable – e.g., Laval getting a stop over Mississauga/Brampton.* John Ruffolo's take:* Financial viability is unclear – pension funds won't invest without guarantees of ridership.* Other priorities (e.g., Arctic infrastructure, national security) are being ignored.* The government should invest in digital infrastructure instead (e.g., full 5G coverage).AI Copyright Lawsuits: Cohere vs. Media Giants (14:35)* Major media coalition (The Atlantic, Forbes, The Guardian, Vox, etc.) sues AI startup Cohere for copyright infringement in New York.* Allegations: Cohere scraped and displayed copyrighted content without permission.* Seeking $150K per work infringed + an injunction against Cohere using their content.* Growing legal pressure on AI companies:* NY Times vs. OpenAI – potentially setting a massive precedent.* Anthropic, Meta, and Thomson Reuters have faced similar lawsuits.* John Ruffolo's view:* Copyright concerns were always an issue for AI models.* AI startups may have to pay into a licensing pool (like the music industry).* Investor risk increasing – legal uncertainties may impact funding for public LLMs.Trump's Potential Tariffs: What Canada Should Do (19:25)* Trump's trade policies likely to return if re-elected, impacting Canadian businesses.* John Ruffolo's recommendations:* Canada must fix internal issues first (e.g., interprovincial trade barriers).* Tariffs won't disappear for at least four years, so businesses must adapt.* Canadian businesses will have to shift profits & operations to the U.S. to remain competitive.The Future of Open Banking in Canada (22:00)* U.S. fintech sector gains a boost as Trump administration removes CFPB regulations.* Chime & Klarna expected to benefit from deregulation.* Canadian Conservatives promise major push for open banking if elected.* Liberals have been slow to act on open banking despite six years of promises.John Ruffolo's perspective:* Open banking will make Canadian banks stronger, not weaker.* Canada must prepare for U.S. competition in financial services.Follow Matt Cohen and Tank Talks here!Podcast production support provided by Agentbee.ai This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

Jorge Combe regresa al podcast con una conversación intensa y provocadora sobre el presente y el futuro que ya estamos viviendo. Con cada episodio, Jorge deja reflexiones profundas, y esta vez exploramos desde desafiar los límites físicos y mentales hasta la revolución del sistema financiero. Hablamos sobre: ✅ Ultramaratones y el Misogi: Cómo enfrentar desafíos extremos te lleva a un estado de autoconocimiento brutal. ✅ El ego en el liderazgo: Cómo la autogestión y el liderazgo consciente están transformando las organizaciones. ✅ El futuro de las finanzas: Open Banking, inteligencia artificial y criptomonedas redefiniendo el sistema financiero. ✅ Los bancos tradicionales en riesgo: ¿Se están volviendo un commodity en un mundo de innovación acelerada? ✅ La delgada línea entre ambición y locura: Cómo evitar la adicción al éxito y encontrar un balance en la vida. Este episodio es una oportunidad para entender los cambios que están redefiniendo el mundo y cómo prepararte para lo que viene. Si buscas expandir tu mentalidad y anticiparte al futuro, esta conversación es para ti. 

In this episode of Fintech Layer Cake, host Reggie Young chats with Penny Lee, President and CEO of the Financial Technology Association (FTA). Penny shares insights on key federal fintech policy developments, the implications of open banking, and how fintech companies can navigate the evolving regulatory landscape. They discuss recent court filings related to CFPB's final open banking rule, regulatory trends under the new administration, and opportunities for fintechs to influence policy.

Can trust be engineered? In this episode, Punit is joined by Steve Ahouanmenou, Global Privacy Engineering Lead for Open Banking at Mastercard, to explore the pivotal role of privacy engineering in creating digital trust. Steve discusses why trust isn't sector-specific, emphasizing how transparency is vital across industries like healthcare and finance. The conversation dives into open banking, a revolutionary approach that gives consumers control over their financial data while fostering competition among financial service providers. Steve explains how privacy engineering brings privacy principles to life, embedding privacy by design, conducting risk assessments, and bridging the gap between privacy teams and technical teams.   Join us in discussing how privacy engineering is shaping the future of digital trust. Hear expert insights, real-world strategies, and thought-provoking discussions that will change the way you think about data, trust, and innovation.   KEY CONVERSION  00:01:59 How would you describe Digital Trust  00:05:53 What is Privacy Engineering?  00:10:31 What kind of a role do you expect from tech team  00:12:01 How can privacy pros help tech colleagues?  00:17:10 Best way to Reach you    ABOUT THE GUEST  Steve Ahouanmenou is part of the Global Privacy & Data Protection Department at Mastercard and leads the privacy engineering program in Open Banking.  His mission is to enable innovation and trust in the digital finance realm, by applying his analytical skills, domain expertise, and collaborative approach to privacy and security challenges.  With over 10 years of experience in information security, privacy risks and data governance, he has worked with global organizations in various sectors with a focus on healthcare and finance. He also a PhD Candidate at Ghent University, investigating information security and privacy in healthcare institutions, and an alumni of Belgium's 40under40. He holds multiple certifications, such as ISO 27001 Senior Lead Implementer, CIPP/E, CISM, CDPSE, ITIL v3, DPO, COBIT 5. ABOUT HOST  Punit Bhatia is one of the leading privacy experts who works independently and has worked with professionals in over 30 countries. Punit works with business and privacy leaders to create an organization culture with high privacy awareness and compliance as a business priority. Selectively, Punit is open to mentor and coach professionals.  Punit is the author of books “Be Ready for GDPR'' which was rated as the best GDPR Book, “AI & Privacy – How to Find Balance”, “Intro To GDPR”, and “Be an Effective DPO”. Punit is a global speaker who has spoken at over 30 global events. Punit is the creator and host of the FIT4PRIVACY Podcast. This podcast has been featured amongst top GDPR and privacy podcasts.  As a person, Punit is an avid thinker and believes in thinking, believing, and acting in line with one's value to have joy in life. He has developed the philosophy named ‘ABC for joy of life' which passionately shares. Punit is based out of Belgium, the heart of Europe.  RESOURCES  Websiteswww.fit4privacy.com,www.punitbhatia.com,https://www.linkedin.com/in/steve-ahouanmenou/  Podcast https://www.fit4privacy.com/podcast  Blog https://www.fit4privacy.com/blog  YouTube http://youtube.com/fit4privacy

APIs have evolved from simple data connectors to the fundamental architecture driving financial innovation. In this episode of the Tearsheet Podcast, I speak with John Pitts. Plaid's John Pitts reveals how they're driving open banking and empowering consumer control. He is the Global Head of Policy at Plaid. With a career spanning regulatory and policy roles, Pitts brings a unique perspective to the table. He discusses the evolving role of APIs in financial services. From his role at the Consumer Financial Protection Bureau (CFPB) to leading policy at Plaid, Pitts shares key insights on open banking. He explores how APIs are shaping the future of consumer financial data rights and fintech innovation. The Big Ideas 1. APIs Are the Backbone of Modern Financial Services. They serve as the foundation for modern financial services. This enables secure, efficient, and scalable data sharing. “It's like moving from dirt roads to highways,” Pitts explains. 2. Consumer Control Powers the Future of Open Banking. APIs empower consumers to access and share their financial data across platforms. This fosters innovation. “The U.S. has more connected accounts than anywhere else,” Pitts notes. 3. Embedded Finance Is Becoming a Key Use Case for APIs. Companies outside the financial sector, such as Tesla and John Deere, are adopting APIs for integrated financial services. 4. APIs Enable Stronger Collaboration to Prevent Digital Fraud. They facilitate data sharing among financial institutions, creating stronger defenses against digital fraud. “Greater data sharing protects consumers,” says Pitts. 5. API Adoption Is Both a Compliance Need and a Strategic Opportunity. Financial institutions can use APIs to increase consumer engagement and maintain account primacy.

Hoy en nuestro espacio fintech nos acercamos a Kreditz, una empresa líder en el análisis de datos bancarios que utiliza tecnologías de Open Banking y PSD2. Con su responsable para España, Eduardo Morales Heimlich.

  In today's podcast episode, we're joined by Alex Johnson, Founder of Fintech Takes, and Paige Paridon, Senior Vice President, Senior Associate General Counsel & Co-Head of Regulatory Affairs at Bank Policy Institute, to take a deep dive into the new Consumer Financial Protection Bureau Open Banking Rule. The CFPB has issued a groundbreaking final rule implementing Section 1033 of the Dodd-Frank Act, significantly expanding consumer access to their financial data. This new Open Banking Rule will have far-reaching implications for financial institutions, fintech companies, and consumers alike. In this episode, we'll explore the key aspects of this landmark regulation, such as: 1. The scope, rule requirements, and compliance deadlines 2. Complexities of implementing new interfaces and data security measures 3. Potential pitfalls and best practices to mitigate risks, including a lawsuit challenging the legality of the rule 4. How the rule can foster innovation and enhanced consumer experiences 5. The impact of presidential election and presumed appointment of new Acting Director of CFPB Alan Kaplinsky, former Practice Leader and Senior Counsel in Ballard Spahr's Consumer Financial Services Group, moderates today's episode, and is joined by Gregory Szewczyk and Hilary Lane, Partners in Ballard's Privacy and Data Security Group.

Lex interviews Shachar Bialick, the founder and CEO of Curve, a fintech mobile wallet. In this exciting episode, Shachar touches on: (1) his background as a serial entrepreneur and his experience in the Israeli military shaped his ability to solve problems and work in high-stress environments, which are key traits for a successful founder. (2) The initial idea behind Curve was to create a "wallet to rule them all" - a single interface that could consolidate and manage multiple payment cards and accounts, providing more value and convenience to customers. (3) Building Curve involved navigating complex challenges, such as convincing payment networks like Mastercard and Visa to change their rules to allow Curve's back-to-back wallet technology. This required a resilient, innovative, and persistence approach. (4) Shachar emphasizes the importance of building a company culture that fosters curiosity, adaptability, and a belief that "everything is possible" rather than focusing on perceived limitations. (5) Lastly, Shachar discusses the evolution of the fintech landscape, including the challenges faced by neobanks in creating true financial marketplaces, and the ongoing issues with the implementation of open banking standards. MENTIONED IN THE CONVERSATION Topics: Curve, ApplePay, Google Wallet, PayPal, Tink, neobank, fintech, wallets, payments, paytech, NFC, Open Banking ABOUT THE FINTECH BLUEPRINT 

This episode explores open banking, a fintech revolution giving individuals greater control over their finances. By leveraging APIs, open banking enables secure data sharing between banks and authorized apps, unlocking features like aggregated account views and personalized financial advice.While there are plenty of conveniences and potential benefits, the episode also discusses the challenges of standardization and the need for transparency and trust to drive widespread adoption. A key insight is that open banking payments are projected to exceed $330 billion globally by 2027. Find out:What are open banking's core benefits for individual consumers?How does open banking enhance financial inclusion and access?What are the key challenges holding back open banking?Read the full article on UXDA's blog: https://www.theuxda.com/blog/open-banking-revolution-will-take-ux-to-forefront* AI podcast on UXDA article powered by Google NotebookLM

Does the United States have open banking? Well, that depends on how it's defined. If that definition is less about regulation and more about the adoption of a common technical standard for the secure exchange of financial data, then the U.S. is considerably further along. Much of this progress is due to the Financial Data Exchange (FDX), a private non-profit founded in 2018 to unite players across financial services in creating a common standard for consent-driven data sharing. For the final, extra-length episode of Season 5, Kevin Feltes, the new CEO of FDX, joins us to discuss the state of American open banking amidst the regulatory changes unfolding under Section 1033. Eyal and Kevin sit down to talk about all things FDX, sharing the organization's origins, what's in the FDX tool belt to help it punch above its weight, and what it means for FDX to operate at the intersection of regulatory and market forces. Diving into possible futures, they unpack how flexibility is the key to ensuring American open banking continues to grow and thrive. Specifically they discuss:The origins of the Financial Data ExchangeHow the FDX API is member-drivenThe impact of Section 1033 regulationBalancing market and regulatory forcesThe role FDX plays in U.S. open banking

Episode Topic In this episode, we dive into the transformative world of open banking and fintech innovation, exploring how these technologies are reshaping the global financial landscape. Open banking is bridging the gap between traditional banks and consumers by enhancing transparency, security, and accessibility. From real-time payments to embedded finance, we uncover how these advancements are creating a more inclusive and efficient financial ecosystem. Whether you're curious about the role of APIs in banking or how AI is revolutionizing fraud prevention, this episode offers valuable insights into the future of financial services. We also discuss the global disparity in adoption, comparing Europe's regulatory leadership to the US's innovation-driven market. These contrasts reveal fascinating trends shaping the industry and provide actionable ideas for businesses and consumers alike to navigate this evolving space. Lessons You'll Learn Listeners will gain a deep understanding of how open banking is driving financial inclusion and reducing reliance on traditional banking systems. The discussion explores how APIs enhance data security and integration, while real-time payments and account-to-account transfers are set to redefine transactional norms. Ethical considerations of AI in finance are also addressed, offering insights into its potential for fraud detection and management. The episode highlights key differences between Europe's regulation-first approach and the US's innovation-led adoption of financial technologies, providing a balanced perspective on navigating this evolving space. About Our Guest Our guest is a leading voice in the world of open banking and fintech, bringing years of experience at the intersection of technology, regulation, and financial services. Known for spearheading initiatives that drive innovation while prioritizing consumer needs, they offer invaluable insights into the challenges and opportunities within this rapidly evolving industry. Their work focuses on fostering collaboration between regulatory bodies and industry leaders, promoting embedded finance, and advancing data security practices. Their expertise offers listeners a unique combination of visionary thinking and practical strategies to understand and thrive in the modern financial ecosystem. Topics Covered This episode covers a comprehensive range of topics, including the fundamentals of open banking and its transformative impact on financial systems. We discuss how APIs ensure security and enable seamless integration across platforms, the emergence of real-time payments as a new standard, and the growth of embedded finance in creating new opportunities for fintech. The conversation also addresses the ethical considerations of AI in financial management and fraud prevention. Listeners will gain insights into the global contrasts between Europe's regulatory approach and the US's innovation-driven model, understanding how these factors shape the financial industry's future.  

Send us a textOpen banking - two words that just may change your life and this change is coming at you, ready or not.In late October the CFPB finalized a rule that made open banking a must have for the nation's biggest financial institutions by April 1 2026  - and by April 1 2030 the bigger credit unions will have to comply too.Don't ask me to explain the choice of April 1. It's a rather infelicitous choice but open banking is  nonetheless a good thing, for FIs and their customers/members.Here's what CFPB has to say about it: “Too many Americans are stuck in financial products with lousy rates and service,” said CFPB Director Rohit Chopra. “Today's action will give people more power to get better rates and service on bank accounts, credit cards, and more.”The Bureau goes on: “Today's rule ensures consumers will be able to access and share data associated with bank accounts, credit cards, mobile wallets, payment apps, and other financial products. It aims to address market concentration that limits consumer choice over financial products and services. Consumers will be able to access, or authorize a third party to access, data such as transaction information, account balance information, information needed to initiate payments, upcoming bill information, and basic account verification information. Financial providers must make this information available without charging fees.”Right now, radio silence about open banking prevails in credit union land - AI has sucked up almost all of the industry's tech energy - but that will change as calendar pages flip us closer to the deadline for compliance.Yes, it's true that the vast majority of credit unions will never have to comply.  FIs with assets under $850 million are exempt.But choosing to ignore open banking may be signing an institution's death certificate as members and prospective members grasp how open banking is in their best interest.But here's the deal: on the show today is Lisa Arthur who tells why embracing open banking is in the best interests of just about every credit union.  She also tells how open banking already is well established in many countries - the US is a laggard - and what's involved in climbing aboard this train.Listen up.Like 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

Pushpendra Mehta meets with Paul Galloway, Senior Director, Advisory Services at Strategic Treasurer, to review the latest treasury news and developments. Topics of discussion include the following: 1:35   Key technologies shaping corporate treasury and their influence on TMSs 10:02 Swift's 10 takeaways from Sibos 2024 15:46 Global economy forecast for solid growth in 2025 despite trade uncertainty 18:41 Digital wallets and open banking set to dominate payments in 2025 24:08 Top story Other Resources: Treasury Technology Analyst Report - Strategic Treasurer 10 takeaways from Swift at Sibos 2024 - Swift Macro Outlook 2025: Tailwinds (Probably) Trump Tariffs - Goldman Sachs Research (GSR)

Lindsey Johnson, CEO and president of the Consumer Bankers Association, talks about how the CFPB may change under the second Trump administration. Will a Trump-appointed CFPB director roll back the recently finalized open data rule? What happens for banks and consumers if that rule is left to stand? She also tackles the future of the agency's overdraft proposal and small business lending rule. 

In the ever-evolving world of fintech and open banking, staying ahead of the curve is crucial. Few understand this better than Peter Renton. He is the CEO and founder of Renton Co., a fintech consulting firm specializing in media, thought leadership, and event support. Renton is the former chairman and co-founder of Fintech Nexus (formerly LendIt Fintech). He has led fintech innovation for over a decade. His work has shaped the industry during this time. In today's episode of the Tearsheet podcast, Renton shared his insights on the current state of fintech. He shares his insights on where he sees the industry heading. Renton has a keen understanding of the fintech sector. His insights provide valuable guidance for established companies and newcomers in the industry. "Without doubt, the most interesting space in fintech in 2024 is the banking as a service space," Renton states. "Because of the way the banking system in this country is structured, we need banking as a service. And it's not going away." The evolution of fintech events Renton's journey in the fintech world was punctuated with the creation of LendIt. It is a conference that grew from a small gathering of 350 people to a major industry event attracting 5,000 attendees. As the fintech landscape evolved, so did the event. It expanded its focus from peer-to-peer lending to encompass broader fintech topics. "We expanded beyond lending and started it in 2017 and got going in like 2018, 2019 where we became a real fintech event," Renton explains. This evolution mirrors the broader changes in the fintech industry. These include specialized lending platforms to comprehensive financial services providers. The changing face of fintech conferences Large-scale events like Money 2020 and Fintech Meetup still attract many attendees. Renton observes a rising trend of smaller, more specialized events organized by fintech companies. "What you're seeing in the event space is more and more companies doing their small events," he observes. These specialized gatherings allow companies to showcase thought leadership. They help to engage with their target audience. Opportunities in Banking-as-a-Service and Embedded Finance Renton sees significant potential in the banking-as-a-service (BaaS) sector, despite recent challenges. He believes that new regulations will provide clarity and stability. This will create opportunities for community banks. As a result, they will be able to expand their reach through BaaS offerings. "If you want to grow your community bank, it's hard to do that geographically now," Renton explains. "But if you open up a BaaS line of business, there are ways you can grow your bank." Embedded finance is closely related to BaaS. It is another area Renton highlights as ripe for innovation. He points to companies like Pipe. They are bringing fintech solutions to non-financial businesses. Particularly in the vertical SaaS space. The promise of Open Banking Looking ahead, Renton is particularly excited about the potential of open banking. With the anticipated release of new CFPB rules on open banking, he foresees a wave of innovation. "Open banking... is going to be a moment in time, but then that's going to be in place and people are going to understand the rules of the road," Renton predicts. "I think there's a massive opportunity once that gets going. And when all the data, when your data becomes yours and it becomes more portable. There's going to be a wave of new fintech companies that are going to kind of use that and take advantage of that."

    In this episode, Ben Jackson sits down with Kate Lybarger, the director and head of payments innovation at Discover Global Network, to discuss how to think about innovation in the context of technological change. Listen in as they discuss how companies can develop meaningful new products as tech tools like artificial intelligence and open banking reshape financial services.  They cover what innovation means in a company, how to separate tech hype from reality, and why the head of innovation sometimes needs to be the head diplomat in a company.   This podcast was recorded on November 6, 29024, things may have changed by the time you hear it.   Membership Information: Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details.     

Host: Ben Jackson Guest: Brian Tate, CEO, Innovative Payments Association  Recorded: November 14, 2024  Episode Summary: In this episode, Ben Jackson sits down with Brian Tate, CEO, Innovative Payments Association, to discuss several lawsuits against the Consumer Financial Protection Bureau's rules.   They cover lawsuits against the Consumer Financial Protection Bureau by PayPal over the Prepaid Accounts Rule, by the Financial Technology Associations Lawsuit over buy now pay later, and by the Bank policy Institute over the open banking rule.   They also discuss how the Congressional Review Act could shape the future of these suits.   This podcast was recorded on November 14, 29024, things may have changed by the time you hear it.   Membership Information: Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details.    

Join FPC Executive Director Reed Luhtanen as he goes off the rails with Sumner Francisco of BNY. Reed and Sumner talk about the trend toward open banking and the potential for faster and immediate payments to fuel this use case. 

In This Episode We kick off with a crossover segment featuring Fintech Takes host and fintech insider Alex Johnson, who joins Jason to break down major themes from Money20/20 2024. Together, they explore the hot topics shaping fintech right now: bank-fintech partnerships, Banking-as-a-Service (BaaS), open banking (1033), and the evolving role of AI. Alex shares highlights from his on-stage interview with CFPB Director Rohit Chopra, where they discussed the finalized 1033 rule, the ongoing legal pushback from big banks, third-party risk management, and new BaaS standards aimed at creating more balanced partnerships. The duo also dives into the rapid-fire world of AI. Is it all just hype, or are we approaching real innovation? With regulation on the rise, there's a lot for the industry to figure out—standards, safeguards, and perhaps even a looming digital divide. Finally, Jason wraps things up with a lively chat with Mary Wisniewski, Editor-at-Large for Cornerstone Advisors. They discuss financial therapy, Mary's perspective on the latest 1033 updates, and even squeeze in a bit of Texas Hill Country fun. Hit play and join us for a packed episode!

BNZ is to launch an app it says will slash the costs merchants face to take electronic purchases. 

On Tuesday, the Consumer Financial Protection Bureau (CFPB) released the final version of the Personal Financial Data Rights Rule that requires many financial institutions, credit card issuers, and other financial service providers that facilitate payments (including mobile wallets and payment apps) to support new open banking standards and make account records accessible and portable. The CFPB uses the term ​“open banking” to refer to the ability of customers to share personal financial data between a network of entities. https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/cfpb-pushes-move-to-an-open-banking-system-with-the-personal-financial-data-rights-rule-and-sparks-immediate-court-challenges-from-industry Donnelly McDowell dmcdowell@kelleydrye.com (202) 342-8645 www.kelleydrye.com/people/donnelly-l-mcdowell Matt Luzadder mluzadder@kelleydrye.com (312) 857-2623 https://www.kelleydrye.com/people/matthew-c-luzadder Alex Schneider aschneider@kelleydrye.com (202) 342-8634 https://www.kelleydrye.com/people/alexander-i-schneider Leah Plagge Rabkin lrabkin@kelleydrye.com (202) 342-8523 www.kelleydrye.com/people/leah-plagge-rabkin Hosted by Simone Roach Subscribe to the Ad Law Access blog - www.kelleydrye.com/subscribe Subscribe to the Ad Law News Newsletter - www.kelleydrye.com/subscribe View the Advertising and Privacy Law Resource Center - www.kelleydrye.com/advertising-and-privacy-law Find all of our links here linktr.ee/KelleyDryeAdLaw

Emmet Kennedy and Geoff Banks discuss Calandagan's defeat and Jim Crowley's incredible ride to win the Champion Stakes on Anmaat. It was a dream result for the bookmakers, so why were the layers so unhappy in the Ascot betting ring? They delve into the deeply concerning idea of Open Banking from the Gambling Commission and what it could mean for British punters. Can horse racing survive the ban on gambling advertising in Ireland? And what does Geoff think about the Whip Rules? The Final Furlong Podcast is proudly brought to you by Geoff Banks Bet. Join the excitement and Sign up to Geoff Banks Online now with promo code FFP500 and get 10% of any net losses returned as cash after your first month of betting, up to £500 at geoffbanks.bet.  Its tradition redefined with modern tech and unbeatable odds. This episode is brought to you by BetterHelp. If you're thinking of starting therapy, give BetterHelp a try. It's entirely online, designed to be convenient, flexible, and suited to your schedule. Our listeners get 10% off their first month, so give online therapy a try at betterhelp.com/FURLONG. Apple: https://apps.apple.com/gb/app/geoff-banks-online/id881898186 Android: https://play.google.com/store/apps/details?id=com.geoff_banks.geoffbanks Form Tools: Proform is the essential tool for punters looking to make money from betting on Horse Racing. Our form book covers Jumps and Flat racing in the UK and Ireland. https://www.proformracing.com/ Twitter: @FinalFurlongPod Email: radioemmet@gmail.com In association with Adelicious Podcast Network. Hosted on Megaphone.  Follow us for free on Spotify Podcasts https://open.spotify.com/show/3e6NnBkr7MBstVx5U7lpld Learn more about your ad choices. Visit podcastchoices.com/adchoices

Underlying open banking is an important assumption: That if you give the consumer all the information about what data is held on them and all the control over how that data is shared, that they will be better off. That they will use that information and control to make better decisions, decisions that benefit them. But is that actually so? Behavioral economics says that perhaps the answer is no. Rising to prominence in the late nineties and two-thousands, behavioural economics challenges the idea that people always behave rationally. For those building open banking environments aimed at truly helping consumers make better decisions about their money and their data, its lessons are invaluable. In this episode, Eyal sits down with renowned behavioural economist Dan Ariely, a professor, scientist and best-selling author, to discuss the roots of behavioral economics, the role of paternalism, and how friction and motivation can be applied to building better financial services.Specifically they discuss: Understanding behavioural economicsVisible money vs. invisible moneyUsing friction and motivationPaternalism and responsibilityBuilding environments that benefit us

In This Episode This week cohosts Brett King and Jason Henrichs have a far reaching conversation, tapping into guest expertise on all things open banking and digital finance. John Pitts, Global Head of Policy at Plaid, Christy Sunquist, Head of Open Finance at Plaid, and Cameron Taylor, Chief Product Officer at Ninth Wave join Jason and Brett as they dive into topics from international open banking and the standards that we can expect out of open banking in the U.S., to how Plaid and Ninth Wave are partnering to assist financial institutions ahead of the rulemaking here in the States. Plaid recently announced their Gateway Partner Program, which gives financial institutions a way to streamline their integrations ahead of open banking requirements, to make it easier for financial institutions to choose an approach that works for their unique needs as they enable open banking. Ninth Wave is Plaid's inaugural partner for the Gateway Program, and will support financial institutions who want to simplify their API integrations while ensuring their customers have access to the thousands of apps and services in the Plaid network. Together, Plaid and Ninth Wave are solving open banking requirements for financial institutions who may be at varying stages of preparedness. Hear about this and much more on this episode of Breaking Banks.

Glen checks in with Money 20/20 President Tracey Davies for a preview of the upcoming four-day Las Vegas extravaganza. Also- a slew of updates on Illinois' interchange fiasco, a countdown to the CFPB's open banking rule, and a desperate attempt to tie 1990s funky divas to 2024 payment headlines.        Links related to this episode:   Money 20/20 USA, October 27-30 in Las Vegas: https://www.money2020.com/ Last week's CU Town Hall- featuring insights from the Illinois Credit Union League's Tom Kane- on the Interchange Fee Prohibition Act: https://www.big-fintech.com/Media?p=cu-town-hall-episode-123 Glen's blog on the IFPA: https://www.big-fintech.com/Media?p=battle-lines-being-drawn-on-illinois-interchange The OCC's amicus brief to the IFPA: https://bankingjournal.aba.com/wp-content/uploads/2024/10/OCC-Amicus-Brief-IFPA.pdf The OCC's amicus brief to the IFPA: https://restaurant.org/getmedia/d5f460e3-3cb6-4d77-9e82-2bf4ae3dc972/2024-10-04-Exhibit-A-to-Corrected-Unooposed-Mtn-of-RLC-IRA-RLC.pdf Glen's History of Money 20/20 in three t-shirts: https://www.big-fintech.com/Media?p=the-history-of-money-2020-in-three-t-shirts   Join us for the next CU Town Hall on Wednesday October 23 at 3pm ET/Noon PT for a live and lively interactive conversation tackling the major issues facing CUs today. For this session John Best will lead Fraud-a-Palooza!  It's free to attend (credit union employees might even win a door prize!), but advance registration is required:  https://www.cutownhall.com/   And contribute info to our fraud survey here: https://forms.monday.com/forms/d76e9b3df9f4f42cec6c16d74b581be2?r=use1   Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

In this Brand Story episode, hosts Sean Martin and Marco Ciappelli welcome Lebin Cheng from Imperva to discuss the ever-important topic of API security. As the head of the API security team at Imperva, Lebin Cheng offers a nuanced view into the challenges and solutions involved in protecting sensitive data facilitated by APIs. A central theme of the discussion revolves around API security's complexity due to APIs' role in digital transformation, cloud migration, and data integration. APIs act as a gateway for data interaction and integration, offering flexibility but also introducing significant security risks.Cheng underscores that as APIs provide open access to critical data, they become prime targets for sophisticated cyber threats. These threats exploit vulnerabilities in API deployments, making robust security measures indispensable. Cheng highlights the importance of securing APIs not as a one-time effort but as an ongoing process. He discusses how Imperva employs real-time monitoring and behavioral analysis to enhance API security. By establishing a baseline of what constitutes normal behavior, Imperva can quickly detect and respond to anomalies. This approach goes beyond traditional, static security measures, which often fall short against dynamic threats that evolve alongside technology.Additionally, the conversation touches on the notion of 'security by design.' Cheng advocates for integrating security considerations from the earliest stages of API development. This results in more resilient applications capable of withstanding sophisticated attacks. The discussion also notes the growing trend of DevSecOps, which emphasizes the collaboration between development, security, and operations teams to embed security throughout the software development lifecycle. Real-world applications of these principles are evident in various sectors, including open banking.Cheng explains how open banking initiatives, which allow smaller financial institutions to access larger banks' data via APIs, highlight the necessity of strong API security. A breached API could expose sensitive financial data, leading to significant financial and reputational damage. The hosts and Cheng also explore how Imperva's innovation in API security involves leveraging artificial intelligence and machine learning. These technologies help in identifying and mitigating potential risks by analyzing vast amounts of data to detect unusual patterns that might indicate a security threat.In closing, Cheng emphasizes the importance of continuous innovation and vigilance in the field of API security. He invites organizations to adopt a proactive stance, continuously updating their security measures to protect their data assets effectively. This episode serves as a compelling reminder of the critical role API security plays in today's interconnected digital world.Learn more about Imperva: https://itspm.ag/imperva277117988Note: This story contains promotional content. Learn more.Guest: Lebin Cheng, VP, API Security, Imperva [@Imperva]On LinkedIn | https://www.linkedin.com/in/lebin/ResourcesLearn more and catch more stories from Imperva: https://www.itspmagazine.com/directory/impervaAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story

Just months after many of the mandates in the European Union's Digital Markets Act (DMA) have gone into effect, interoperability and data portability are fresh on the policy world's mind. But what does the history of interoperability suggest about its ability to help the Internet regain its former openness?Alan Rozenshtein, Associate Professor of Law at the University of Minnesota and Senior Editor at Lawfare, spoke with Alexander Rigby, a law clerk on Delaware Court of Chancery, and Chinmayi Sharma, Associate Professor at Fordham Law School. They've just published a new white paper in Lawfare's ongoing Digital Social Contract paper series arguing that open banking is a useful case study in the promise and pitfalls of interoperability.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/c/trumptrials.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

Last week I had the pleasure of hosting back-to-back live recordings of this podcast in the MoneyPot studio, a glass-walled thing of beauty on the Money20/20 show floor. The second of those was a data-backed dive into the world of frictionless and fair embedded business finance with Rob Straathod, CEO of Liberis - what I think could be one of the best use cases for Open Banking out there.You can find Liberis at https://www.liberis.com/ You can find Rob on LinkedIn at https://www.linkedin.com/in/rob-straathof-3b56152/ (Liberis are there, too, of course)Don't leave LinkedIn before reaching out to me - https://www.linkedin.com/in/brendanlegrange - and following the show's page.Money20/20 is the place(s) to be, find out how you can attend the next event here: https://www.money2020.com/Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24And finally, I'm also co-creating a new podcast called hAIghtened senses which will look at the intersection between human senses and technology, especially AI-powered technology. You can already start to follow it wherever you're listening to this one - there's only a trailer there at the moment, but we've recorded some of the early episodes and it's going to be a fun ride!Keep well, Brendan Hosted on Acast. See acast.com/privacy for more information.

Last week I had the pleasure of hosting back-to-back live recordings of this podcast in the MoneyPot studio, a glass-walled thing of beauty on the Money20/20 show floor. The first of those was an inspiring discussion about real-time data in collections with James Hill, CEO of Flexys Debt Management & Collections Software - what I think could be one of the best use cases for Open Banking out there.Flexys is at home online at https://www.flexys.com/ You can reach out to James on LinkedIn: https://www.linkedin.com/in/james-hill-07850167/ (where Flexys are, too)James' own podcast - Flexys meets... - is available where you're listening to this, or directly at: https://www.flexys.com/resources/podcasts/ But don't leave LinkedIn before reaching out to me - https://www.linkedin.com/in/brendanlegrange - and following the show's page.Money20/20 is the place(s) to be, find out how you can attend the next event here: https://www.money2020.com/ Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24And finally, I'm also co-creating a new podcast called hAIghtened senses which will look at the intersection between human senses and technology, especially AI-powered technology. You can already start to follow it wherever you're listening to this one - there's only a trailer there at the moment, but we've recorded some of the early episodes and it's going to be a fun ride!Keep well, Brendan Hosted on Acast. See acast.com/privacy for more information.