Breaking Banks

By Breaking Banks - The #1 Global Fintech Podcast

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The #1 global fintech radio show and podcast. Every week we explore the personalities, startups, innovators, and industry players driving disruption in financial services; from Incumbents to unicorns, and from the latest cutting edge technology to the people who are using it to help to create a more innovative, inclusive and healthy financial future.

Episode Date
Episode 393: Blazing the Trail to Open Finance
55:21
What's more interesting than Blazing Saddles? Open Finance. Plaid is Blazing new trails on the the path to open finance. In this episode, Brett and I talk with Plaid, the market leader in freeing data from their silos, and US Bank about their partnership to make open finance a reality. https://www.youtube.com/watch?v=XQBaSyL8FzU
Jun 10, 2021
Special Episode: The NFT Boom
19:28
In this special episode of Breaking Banks, Jason Henrichs was joined by Dino Lewkowicz Director at 4ARTechnologies AG to break down the NFT ecosystem and discuss the impact that NFTs have had on the art world.
Jun 04, 2021
Episode 392: Fintech is Moov’in & Groov’in
50:40
Join us for this legendary episode of Breaking Banks! Jason Henrichs hosts two of the biggest names in the industry Angela Strange, general partner at Andreessen Horowitz and Wade Arnold, founder and CEO of Moov, to discuss everything from development to embedded finance. Then stay tuned as Jason is joined by Cokie Hasiotis, Founder & CEO of Lasagna Consulting, and Matthew Harris, venture capitalist with Bain Capital Ventures.  The group explores the origin story of BaaS.  https://www.youtube.com/watch?v=A2mkk5Gd4mE
Jun 03, 2021
Episode 391: Walk Like a Bank But Don’t Talk Like a Bank
31:58
Welcome to Breaking Banks; this week, we have a hot topic that we will be discussing with leaders in the financial services industry. Recently, California regulators said Chime and other neobanks have to stop using the term ‘bank’ in all advertisements. But if these neobanks aren’t indeed ‘banks,’ what are they? Tune in as Jason Henrichs and Brett King  are joined by friend, regular contributor, and host of Tech on Reg, Dara Tarkowski. Also joining the show is true pioneer Shamir Karkal, co-founder of  Simple before its acquisition by BBVA. He is now CEO-CoFounder of Sila; Sila offers ACH, KYC and digital wallet APIs.
May 27, 2021
Episode 390: Celebrating Eight Years of Breaking Banks!
1:32:24
Welcome to this very special anniversary episode of Breaking Banks. Don’t miss our 8th anniversary extravaganza to hear friends of the show discuss the greatest moments in Breaking Banks history. A few of the most incredible minds in the industry like Richard Turrin, Jo Ann Barefoot, David Birch, Ron Shevlin, Chloe James, Paul Ark and Jim Marous explore the past, the present and the future of banking and fintech.
May 20, 2021
Episode 389: SOAR-ing to New Heights
51:34
Tune in as Brett King hosts Scott Sanborn, CEO of LendingClub, the only full-spectrum fintech marketplace bank at scale, to discuss LendingClub’s decision to buy Radius Bank earlier this year – why it's transformative and how it changes the company. Plus learn why LendingClub went the acquisition route and more.Stay tuned, as JP Nicols hosts Beth Bafford, Vice President of Syndications and Strategy at Calvert Impact Capital and an architect of the new SOAR Fund. That’s S-O-A-R for Southern Opportunity and Resilience, to discuss the fund and learn why a group of nonprofit community lenders in the South have teamed up with national philanthropists, corporations, investors and others to launch a multi-million dollar fund aimed at helping small businesses and nonprofits across the South.
May 13, 2021
Episode 388: The Building Blocks of a Great Partnership
54:59
Join us for this epic episode of Breaking Banks! Brett King is joined by Andrea Jung, President and CEO, Grameen Grameen America, the fastest-growing microfinance organization in the United States and Eugene Danilkis, Co-Founder and CEO, Mambu, the core engine powering digital first banking and lending. We are discussing how their partnership has powered each other’s growth and improved the lives of underserved/underbanked customers. Plus stay tuned for the next segment featuring the honorable Lord Mayor of London, William Russell, exploring the latest in fintech and highlighting the Kalifa report. 
May 06, 2021
Episode 387: The Atomization of Fintech
46:06
Join us for this next-level episode of Breaking Banks, where Jason Henrichs and Brett King host Anil Aggarwal Founder and CEO of Fintech Meetup. What does the collaboration element of the future of events look like? We explore Anil’s latest event and the role it'll play in catalyzing the modernization of payments and banking. 
Apr 29, 2021
Episode 386: The Anatomy of a Fintech Tsunami
29:55
In this episode of Breaking Banks, Brett King hosts Matt Dooley and Benjamin Quinlan. Explore the intersection of comedy and banking as Brett speaks to Ben about his life as a stand-up comedian and a financial services consultant. Stay tuned as they discuss how Hong Kong’s appetite for innovation in fintech has evolved and hear about the report from Quinlan and Associates titled Branching Off: The Outlook for Hong Kong’s Virtual Banks, exploring in detail the outlook for the Hong Kong virtual bank ecosystem in coming years.
Apr 22, 2021
Episode 385: Will the Real Challengers Please Stand Up?
54:21
In this episode of Breaking Banks, Brett King is joined by Dr. Leda Glyptis, Chief Client Officer for 10x Future Technologies in the co-host chair and special guests Ryan Halstead, Vice President Sales North America for Jumio and Vincent Bezemer, Head of Strategy North American with Backbase. In the first half of the show, we explore the shift in consumer digital banking expectations and highlight why challengers are able to scale more quickly than traditional financial institutions. Then, tune in for the second half to learn about the rise of the buy now / pay later economy and frictionless credit.
Apr 15, 2021
Episode 384: To The Moon with LUNA
53:26
Join us for this next-level episode of Breaking Banks, Brett King and Ajit Tripathi are joined by Do Kwon co-founder & CEO of Terra, a price-stable cryptocurrency powering the next-generation payment network and growing the real GDP of the blockchain economy. We discuss why mass adoption of blockchain technology has been a challenge for years, and explore how Terra has achieved user growth in Korea and the rest of Asia.
Apr 09, 2021
Episode 383: Going Beyond Good
56:44
This week JP Nicols and Brett King were joined by friends of the show Theodora Lau and Bradley Leimer, founders of Unconventional Ventures and authors of Beyond Good: How Technology is Leading a Purpose-Driven Business Revolution. Our guests share advice and inspiration on how to change the power dynamic at a company level, a market level and a world level. Then stay tuned as Jason Henrichs hosts Aaron McCreary, Climate Fintech Lead with New Energy Nexus. Jason and Aaron discuss the meaning of climate fintech and highlight fintech and decarbonization. 
Apr 01, 2021
Episode 382: Algorithms and AI: The Good, the Bad, and the Myth
58:40
In This Episode In this AI episode of Breaking Banks, JP Nicols hosts Alfred Cowger author of The Threats of Algorithms and A.I. to Civil Rights, Legal Remedies, and American Jurisprudence: One Nation Under Algorithms. JP and Al explore AI and algorithmic models and the intense policy debates surrounding the legality of, and liability for, these advanced machine learning applications. Then enjoy a special compilation of the best AI moments in Breaking Banks history. We begin with AI and Robots- Brett King hosts Ben Goertzel to learn about Sophia the social humanoid robot. We hear from Greg Cross of Soulmachines to learn how AI can be used for good and are digital humans the answer? To close, we discuss fintech and the Forth age with author Byron Reese to explore smart robots and conscious computers.  Subscribe: Apple Podcasts | Android | Email | Spotify | Blubrry | RSS
Mar 25, 2021
Episode 381: Meeting the Banking Expectations of Digital Natives
52:32
In this episode of Breaking Banks, Brett King hosts Head of Product, Financial Access at Plaid Niko Karvounis, Jess Romano Plaid Exchange Lead, VP of Digital Innovation and Strategy Ben Maxim MSFCU. The group discusses how the newly launched Plaid Exchange enables small-mid and regional banks to meet customers where they are while ensuring connectivity is part of their digital strategy.  Take MSFCU, for example, in an era where an increasing number of bank and credit union customers are digital natives, MSFCU recognized they needed to meet their customer expectations by enabling secure and reliable connectivity to digital tools and services like Venmo, Robinhood, and Betterment.
Mar 18, 2021
Episode 380: Agents of Change: Creating a Wealth of Opportunities
46:42
Our guests today are trailblazing a path forward towards a more financially inclusive and healthy society. Our first segment features the founders of Junior Wallstreeters Kevon Chisolm and 13-year-old Kamari Chisolm. Kevon and Kamari join Jason Henrichs to discuss Junior Wallstreeter’s mission of empowering youth with financial awareness and explore why it’s vital to create a safe and affordable space to learn finances for underserved youth.  Then stay tuned as Jason Henrichs hosts Melissa Gopnik SVP at Commonwealth, a national nonprofit building financial security and opportunity for financially vulnerable people through innovation and partnerships to change systems. Jason and Melissa deep dive into A New Framework for Positive Financial Futures: Money, Mindsets & Social Networks. You can learn more about our guests here: https://www.theblackwallstreeter.com/jr-wallstreeters https://buildcommonwealth.org/about/our_story https://buildcommonwealth.org/assets/downloads/Positive_Financial_Futures.pdf
Mar 11, 2021
Episode 379: Fintech Journeys: Fusing the Old with the New
56:38
In this episode of Breaking Banks, we are going global! Tune in to hear Brett King host Alastair Lukies CEO of Pollinate Networks and Chairman of Fintech-Alliance, as well as Matt Dooley, changemaker and fintech influencer. Our guests discuss the origin story of fintech in Hong Kong and the UK and tell stories of the journey through regulation challenges and fusing the old with the new.
Mar 04, 2021
Episode 378: Accelerating the Pace of Innovation
1:08:13
In this week’s Breaking Banks episode, Brett King is joined by Howard Boville, Head of IBM Hybrid Cloud Platform, and  Judith Pinto, Managing Director Promontory. Brett, Howard, and Judith discuss how banks can unlock the promise of public cloud and accelerate the pace of innovation, Then stay tuned as JP Nicols sits down with Judy Samuelson. Judy is the founder and executive director of the Aspen Institute Business and Society Program. JP talks with Judy about Judy’s recently published book, THE SIX NEW RULES OF BUSINESS: Creating Real Value in a Changing World. Hear Judy’s advice to executive leadership on how to pivot during tough times and more. IBM Cloud for Financial Services™ is uniquely designed to help financial institutions and their ecosystem partners unlock the promise of public cloud and accelerate the pace of innovation, without compromising security and regulatory compliance. It has been designed with the demands of the world’s largest and most complex organizations in mind. It uses the same cryptographic technology that financial institutions rely on. Data that a client stores on IBM Cloud belongs to that client and can only be accessed by them. Clients can bring their own key that no one else can see—not even IBM—and can build and run core business applications and workloads with single-dashboard visibility and multiplatform portability, and provides: End-to-end data encryption with extensive controlWorkload-centric security by defaultIBM Cloud Security and Compliance Center
Feb 25, 2021
Episode 377: Why Women Innovate
42:02
In this thought-provoking episode of Breaking Banks, JP Nicols hosts Amber Buker, Director of Insights for the Alloy Labs Alliance, Casey Christopher, Chief Empowerment Officer at Quontic Bank, and Mary Ann Sculley, CEO of Howard Bank. Join us as we delve into Amber’s recently published research report titled Why Women Innovate: 3 Common Experiences That Create Remarkable Leaders, which explores the correlation between the experiences of women leaders and innovation. You don’t want to miss this episode!
Feb 18, 2021
Episode 376: Reality Check: The True Cost of Banking
49:28
In this new episode of Breaking Banks, JP Nicols is joined by friend and regular contributor Jo Ann Barefoot, Chair of the Alliance for Innovative Regulation, CEO of Barefoot Innovation Group, host of the Barefoot Innovation podcast, and former Deputy Comptroller of the Currency to discuss a new era ushering in Joe Biden’s White House. What does this mean for fintech and banking?  Then stay tuned as Jason Henrichs hosts Jacob Haar, managing partner of Community Investment Management, an impact investment firm that provides debt capital to fintech companies to support underserved small businesses. Jason and Jacob explore the role of impact investors, responsible fintech, and public policy in financial inclusion during the time of COVID-19.
Feb 11, 2021
Episode 375: The Tipping Point of Impact Banking
59:23
You don’t want to miss this episode of Breaking Banks. Jason Henrichs speaks with Jennifer Tescher, President and CEO of the Financial Health Network and Host of the EMERGE Everywhere podcast to explore the relationship between social impact and banking. Then stay tuned as Jason is joined by Nicole Kontrabecki, general counsel at Dreambound, Asya Bradley, Founder & COO of First Boulevard, Ohad Samet, CEO of TrueAccord, and Jimmy Chen CEO OF Propel. Listen as these social good crusaders discuss changing banking for the better through technology and awareness.
Feb 05, 2021
Episode 374: Make Good Decisions Easy
50:30
For this next-level installment of Augmented Advisors, Jason Henrichs is joined by Dan Egan, Director of Behavior Science and Investing at Betterment. Jason and Dan talk about risk-taking in investment portfolios and discuss how Betterment was one of the first platforms to put a high emphasis on behavioral economics, helping consumers make good decisions easy. Then stay tuned as JP Nicols hosts Greg Palmer VP of Finovate and host of the Finovate podcast, part of the Provoke.fm family. JP and Greg discuss the future of physical events and learn what’s in store for FinovateFall 2021.
Jan 29, 2021
Episode 373: Banking In a Digital-First World
1:02:22
We have a stellar episode for your listening pleasure this week! Brett King is joined by regular contributor Ron Shevlin & Johanna Pugh, Managing Director for the North American arm of Mambu to discuss the ever-changing landscape of lending and explore the trends that will truly shake-up finserv in 2021. Stay tuned to hear from hosts Jason Henrichs, Brett King, and Ajit Tripathi as they sit down with Patrick Sells and Yan Zhao of NYDIG. Learn how NYDIG is accelerating the future of finance and hear what's going on with Bitcoin.
Jan 22, 2021
Episode 372: The Nitty Gritty of Innovation
1:06:13
In This Episode In this episode of Breaking Banks, we are exploring the worlds of benchmarking and procurement. Some would call them “unsexy,” but the real winners know they are necessary and essential to get ahead and stay ahead. Regular contributor Jim Marous join Brett King to sit down with Pawel Oltuszyk co-founder of Frost and Erenia Kontolatou, VP of Business Development at Scientia Consulting, to chat about the competitive advantage of benchmarking. Then stay tuned as JP Nicols sits down with Dr. Leda Glyptis, Chief Client Officer at 10x Future Technologies, and Alexander Barkley, Manager of HSBC Venture Capital, to discuss the role of procurement within the financial services industry. Subscribe: Apple Podcasts | Android | Email | Spotify | Blubrry | RSS
Jan 14, 2021
Episode 371: Back to the Futurists
1:00:52
4 Futurists Offer Surprising Predictions About The Future of Work and Money This episode of Breaking Banks is out of this world! Brett King and Miss Metaverse, Katie King, sit down with Futurists Brian Roemmele, Robert Scoble, Ross Dawson, and Mike Walsh to explore the events of the last twelve months and discuss predictions for the future what work and life will look like in the next 50 to 100 years. And why your bank balance might not matter. After a chaotic 2020, it’s time for humankind to start looking forward. What can we expect for the rest of 2021? Or skipping way ahead, what about 2071? There’s no denying there’s going to be a lot of change. “I think 50 years from now, we’ll look back and say, ‘Hey, 2020 — that was when everything changed,’” says Ross Dawson, a futurist and strategy advisor. We can certainly expect to see a drastic shift in the way we work and, ultimately, the way our economy is structured. On an episode of Breaking Banks, we connected with four futurists: Brian Roemmele, Robert Scoble, Ross Dawson and Mike Walsh. They share their predictions on the future of work and the economy. But first, let’s reflect…  2020 Will Be the Year Everything Changed There’s no denying 2020 was an unprecedented year, but the futurists believe it’ll be the year we all look back on and think: “Wow, that’s when everything changed.” For Mike — CEO of the consultancy Tomorrow, which focuses on designing companies for the 21st century — the fast pace of medical technology evolution stands out. “I think, for the first time in 2020, because of this huge moonshot effort [to develop a vaccine], you're seeing the beginnings of precision medicine and pharmacogenomics that we've been talking about for the last decade,” he says. There was an expedited evolution of mRNA technology to produce a vaccine. Here’s how Mike thinks about it: This technology is essentially uploading code into your body, and, in the future, “new releases of the software” will be released and updated. On the other hand, Robert, the well-known technology blogger and author, is focused on the experiential service economy. With everyone sequestered inside, tech companies are working hard to tap into this opportunity, creating ways for people to attend a concert or show while sitting in their living rooms with a device on their heads. “In this new virtual world that we're heading into, we can deliver any experience to you,” he says. And then, of course, there’s a big shift that occurred in 2020: the restructuring of work. The Future of Work: What We Can Look Forward To One hundred years from now, face-to-face business meetings will seem quaint, your great-grandkids will think your work commute is the equivalent of walking to school uphill both ways, and job training will occur through VR. “I think this is going to be that point where we look back in 100 years where everybody says, ‘People drove to offices? We get into a box and go into another box and then drive back and waste at least an hour?’ That's going to be seen as somewhat ridiculous,” says Brian, a voice AI expert. What else is around the corner when it comes to the physical workspace and the role work will play in our lives? Here are a few predictions.  The Physical Workspace: Goodbye Open Floor Plans With Bean Bags The pandemic poured fuel on the work-from-home fire, and the futurists expect that trend to continue. However, Mike warns: “I actually think remote work is a bit of a red herring.” Right now, remote work is something we can all relate to, so of course everyone is talking about it and feels as though it’s been completely disruptive. But Mike predicts offices aren’t completely going away anytime soon. “The ability to interact with other people in more creative collaborative spaces, I think, is going to be the way we rethink those hybrid environments,” he says, referring to a trend toward distributed work.
Jan 08, 2021
Episode 370: 2020, That’s a Wrap!
1:01:01
For the final episode of 2020, we pulled out all of the stops! Hosts Jason Henrichs and JP Nicols were joined by regular contributor and host of Banking Transformed Podcast Jim Marous, Lindsay Davis Head of Markets at Atomic, Brain Solis Global Innovation Evangelist at Salesforce, and Jonathan Prince Co-Founder of Finologee, to discuss all things fintech and banking! Brain Solis breaks down Generation N and the Novel Economy, while Jim Marous and Lindsay Davis debate the regulatory framework of open banking. This is no doubt, a must-listen episode!
Jan 02, 2021
Special Episode: Unmet Needs in Personal Finance
20:07
In this installment of Augmented Advisors, Jason Henrichs is joined by Brian Barnes, Founder and CEO of M1 Finance to discuss the personalization, simplicity and automation of personal finances. M1 combines investing, borrowing, and cash management in one easy-to-use platform.
Dec 29, 2020
Episode 369: Provoke Ohana Show
59:30
You don’t want to miss this very special Provoke family episode! We have gathered hosts from each podcast under the Provoke brand to get their thoughts on the economy, finhealth, and much more! Listen as Dara Tarkowski host of Tech on Reg, Matteo Rizzi host of Breaking Banks Europe, Jennifer Tescher host of EMERGEEverywhere, Greg Palmer host of Finovate, Brett King, JP Nicols, and Jason Henrichs hosts of Breaking Banks take a look at what the past twelve months have been like for the financial services industry and explore how they can make the world a better place through the Provoke platform.
Dec 25, 2020
Episode 368: The Alphabet Soup of Regulation
1:13:41
In this episode, Jason Henrichs hosts Donna Parisi, partner and Global Head of Financial Services and FinTech at law firm Shearman & Sterling, and Sandra Ro, CEO of Global Blockchain Business Council, to explore CBDC, Defi, and global regulatory challenges. Then stay tuned for a new installment of Women in Fintech. Chloe James hosts Louise Hill. Co-founder & Chief Operating Officer at gohenry and Jill Docherty, Head of Business Development at Visa to discuss tech partnerships and their journeys in fintech. Bonus: Jason Henrichs talks to Wade Arnold and Dan Rosen about Moov’s latest funding round led by Andreesen Horowitz.
Dec 18, 2020
Episode 367: Banking on a Better Tomorrow
1:01:22
As we approach the end of a very disruptive and chaotic year, we can’t help but ponder what 2021 will hold for financial institutions, fintech, and VC. In this episode, we speak to Debbie Bianucci, President & Chief Executive Officer of BAI, to hear her thoughts on the last 11 months and predictions for the new year. For the second segment, Jason Henrichs was joined by Sheel Mohnot and Jake Gibson of Better Tomorrow Ventures to discuss BTVs $75 million raise and having a positive impact on the world by helping entrepreneurs for truly a better tomorrow. Then stay tuned for a quick update, as Brett King hosts Charles Green, Founder, and CEO of RFI Group, to hear about a recent strategic growth investment RFI Group received from Diversis Capital Partners that will allow RFI group to expand their footprint and data services.
Dec 11, 2020
Special Edition: Join the Moovment
17:46
In this super special edition of Breaking Banks, Jason Henrichs is joined by Wade Arnold Founder and CEO of Moov and Dan Rosen VC at Commerce Ventures.  Jason and our guests discuss Moov’s latest funding round led by Andreesen Horowitz. Then talk what’s next for open source and the future of banking. 
Dec 04, 2020
Episode 366: CBDC: The Good, the Bad, and the Ugly
57:25
For this episode of Breaking Banks, host Brett King is joined by Ajit Tripathi, host of Breaking Banks Europe to explore CBDC on a global scale. Brett and Ajit are joined by Claire Calmejane, Charles d'Haussy, and Olaf Ransome to discuss the concepts and implications of a Central Bank Digital Currency.
Dec 04, 2020
Episode 365: Flying Cars: Soaring to New Heights
40:27
In this special Thanksgiving edition of Breaking Banks, we are exploring the wonderful world of flying cars! Brett King and co-host Katie King, are joined by Brad Templeton, Rudi Hiebert, and Evgeni Borisov to discuss the current state of flying cars on a global basis.
Nov 24, 2020
Episode 364: Challenging the Challenger Banks
56:03
In this action-packed Friday 13th episode of Breaking Banks, Brett King is joined by Bryan Clagett in the co-host chair. They speak to Rahm McDaniel, VP Strategic Solutions at Q2, Kesh Talwar, Chief Revenue Officer of Moven, and Casey Christopher, Chief Empowerment Officer at Quontic Bank. Listen as they explore the current state of community banking's digital initiatives and learn how Q2 is partnering with Moven to deliver frictionless financial services.
Nov 20, 2020
Episode 363: A Brave New World
56:54
This week on Breaking Banks, Brett King is joined by Jo Ann Barefoot in the co-host chair as they speak with The Lord Mayor of London William Russell about the incredible VC and FinTech scene happening in the UK. The Lord Mayor discusses the impact that regtech has had on the industry and the Green Finance Initiative, aiming to make London the world leader in green finance. Then stayed tuned for another installment of Women in Fintech, a Breaking Banks initiative with host Chloe James. Chloe chats with Katie Palencsar Venture Studio Lead at Anthemis and Eli Polanco, Founder of Nivelo, about a recent report published by Anthemis, Empowering Female Founders - Moving from a Vicious Cycle to a Virtuous Cycle. Our guests reveal the difference between talk and action and discuss what TRUE change really looks like.
Nov 12, 2020
Episode 362: Show Me (how to save) the Money!
52:54
In this episode of Breaking Banks, JP Nicols and Brett King are joined by Nasir Zubari, CEO at the LHoFT Foundation, to explore the current state of finances in Luxembourg and discuss the future of fintech. For the next half, Jason Henrichs sits down with Lindsay Davis, Director of Intelligence at Caliber, and Ksenia Yudina, Founder/CEO of UNest, to talk about the market gap when it comes to family savings and how the industry can fill this gap.
Nov 06, 2020
Episode 361: The Path to Open Finance
57:02
In this episode of Breaking Banks, we explore the world of open finance with Plaid. Plaid is focused on democratizing financial services through technology by building developer-friendly infrastructure and intelligent tools to provide the ability to create amazing products. Brett King and Chloe James Director of Media and Comms at RFIGroup are joined by John Pitts Head of Policy for Plaid and Ginger Baker Head of Financial Access at Plaid to explore the regulatory framework needed to support the ways consumers want to manage their money now and in the future.
Oct 30, 2020
Episode 360: The Art of Innovation
52:36
Jason Henrichs is joined by John Prendergast, CEO of Blueleaf, a fintech on a mission to make the best financial advisors available to everyone, and April J. Rudin innovator, change-maker, and Founder of The Rudin Group. They discuss pain-points wealth management is facing and to explore what’s next for the industry. Then stay tuned as we talk to Scott Lynn, founder of Masterworks and the creator of that wild Punch the Monkey banner ad from the 90s. Scott gives us the details on how he went from internet advertising to fintech to art. Discover how the Masterwork platform gives investors the ability to own shares of famous artwork. See important information: masterworks.io/disclaimer
Oct 23, 2020
Episode 359: Pandemics and Playbooks and Operations, Oh My!
58:41
While companies were preparing for a snow day, what they got was an ice age. I don’t know a single financial institution or fintech whose business continuity plan anticipated the full scope of the pandemic. With so much uncertainty in the world, how can organizations prepare for the next hurdle 2020 throws their way? Enter Lindsay Davis’ Pandemic Playbook; this guide addresses these operational pain points and provides the navigational framework that many leaders need. Then, Jason Henrichs is joined by someone that has helped many financial institutions get out of the stone age. Amy Radin is a trailblazer in the financial services industry, serving as one of the first innovation leaders across several of the largest players in financial services. She packs all of this knowledge and experience into The Change Maker’s Playbook: How to Seek, Seed, and Scale Innovation in Any Company. Amy’s playbook has everything you need to break down barriers within your organization.
Oct 16, 2020
Episode 358: Deal or No Deal?
1:15:29
On this episode of Breaking Banks, Brett King hosts special guest Barney Reynolds, Global Head of the Financial Services Industry Group at Shearman & Sterling, and Dara Tarkowski, host of Tech on Reg, joins us in the co-host chair. They discuss the state of Brexit and the potential for the US/UK to reach a trade deal. Then stay tuned as Brett sits down with Andreas Zimmer, Head of Ecosystem Strategy for Europe at HUAWEI, Nathalie Oestmann, Chief Operating Officer at Curve, and Krista Korelin, Head of Mobile & Digital Banking with OP Financial Group, at the 2020 Huawei Developer Conference. They talk about financial inclusion on a global basis and explore the growing reliance on digital banking.
Oct 09, 2020
Episode 357: What We’ve Got Here is Failure to Innovate
1:05:35
Join us for this episode of Breaking Banks as JP Nicols hosts Mark Donohue, Founder and Managing Director of iSky Research. JP and Mark discuss trends in the digital banking user experience and consider what initiatives bank executives should prioritize in the current landscape. Then stayed tuned, JP sits down with regular contributor and the Godfather of Snark, Ron Shevlin. JP and Ron delve into the hurdles banks face in innovation efforts and the rise of checking account openings in digital channels.
Oct 01, 2020
Episode 356: Money Makes the World Go Round
59:15
For this episode of Breaking Banks, host Jason Henrichs was joined by Wade Arnold, CEO of Moov Financial, and Maria Palma, Principal at RRE Ventures, to discuss the current state of open source and the real need for banks to have a side core. Then stay tuned for the second installment of Women in Fintech, a Breaking Banks initiative bringing females into focus in fintech, with host Chloé James. Chloé speaks to Adrienne Harris, Financial Services Investor and Advisor, as well as Bianca Lopes, Founder of Talle, about the future of travel, fintech, and the world of business. Chloé James is the Group Director of Media & Communications for global insights provider RFi Group.
Sep 25, 2020
Episode 355: Overcoming Barriers in RegTech Innovation
1:06:39
We explore the world of regulation to learn more about how RegTech can help banks accelerate compliance and cut costs. Hosts JP Nicols and Brett King are joined by regular contributor Jo Ann Barefoot, Nick Cook, Director of Innovation at Financial Conduct Authority, and Mark Chorazak, Partner Shearman & Sterling, to chat about AIR’s recent release of the RegTech Manifesto. Topics of discussion include challenges regulators face in innovation efforts, the importance of making the shift to a digitally native architecture, and how regulators can use sandbox environments to accomplish iterative changes.
Sep 18, 2020
Episode 354: Talents and Rebels
59:45
This week hosts JP Nicols and Jason Henrichs are taking on the topic of culture. How can financial institutions foster a culture of innovation and bring about the necessary changes needed as we head into 2021? It begins with embracing the risk-takers and rebel talent that seek to disrupt the notion of businesses as usual within your organization. JP Nicols speaks to Matteo Rizzi about his book Talent and Rebels: Dealing with Corporate Misfits. JP and Matteo highlight the struggles that large corporations face when finding a balance between tradition and originality. Then stay tuned, host Jason Henrichs and Mary Lemmer Creator of Improve, explore how interconnecting the worlds of trust, culture, and improv can be used to develop positive internal team building. Mary shares her advice on how to look beyond the boundaries of regulation in order to welcome innovation and improve creativity and culture.
Sep 11, 2020
Episode 353: Murder Hornets, Firenados, and Your 2021 Strategic Plan
1:07:28
Finovate Fall Digital 2020 kicks off in just a few weeks. Host JP Nicols chats with Greg Palmer, VP of Finovate, about everything set to occur during the virtual event. Next, Janice Diner and Steve Frook from Horizn, Finovate Europe 2020 Best in Show winner, will discuss the importance of self-servicing and product education in digital transformation. Then stay tuned, as hosts JP Nicols and Jason Henrichs discuss strategic planning season and issue a call to action for FIs to get their heads in the game when it comes to initiatives and budgeting.
Sep 04, 2020
Episode 352: The Wild and Wonderful World of Fintech
59:36
Chloé James host and group director of media & communications for global insights provider RFi Group is joined by Jo Ann Barefoot, CEO & Co-founder at Alliance for Innovative Regulation and Dr. Leda Glyptis, advisor and author of #LedaWrites for Fintech Futures to discuss women in fintech. Chloé, Jo Ann, and Leda share personal experiences and insights from their time in the fintech/finserv industry. What are the positive takeaways from the COVID-19 crisis? Why aren’t there more women in our tech? We explore these topics and more! Then stay tuned to hear from host Jason Henrichs as he speaks to Michael Mueller, CEO of Form3 and Vinoth Jayakumar, Partner with Draper Esprit as they dish on the explosion in cloud-native tech across banks and fintech. Michael and Vinoth also highlight Form3’s recent $33 million in strategic investment from new shareholders Lloyds Banking Group, Nationwide Building Society, 83North, and existing investor Draper Esprit. Sponsored Segment by Form3.
Aug 28, 2020
Episode 351: Pull Your Head Out of Your Branches
1:00:20
Hosts JP Nicols and Jason Henrichs are joined by regular contributor Ron Shevlin, Director of Research at Cornerstone Advisors and Senior Contributor at Forbes with his Fintech Snark Tank column, as well as Mary Wisniewski: Banking editor and fintech features reporter for Bankrate.com to discuss the current state of banking. They explore if/how traditional banks can win the digital arms race, ponder what the hell a Google checking account is, and discover a few of JP’s quirky things. Key takeaway: Customers’ preferences and needs are transforming, and financial institutions must evolve to win in this rapidly changing world. Subscribe: Android | Email | Spotify | Blubrry | RSS
Aug 21, 2020
Episode 350: A Banker, a Hacker, and a Privacy Lawyer Log in to a Zoom
56:42
Don’t miss this action-packed episode hosted by Jason Henrichs and co-hosted by Dara Tarkowski host of Tech on Reg. Jason and Dara are joined by Alissa Knight a recovering hacker and Patrick Sells bank innovator extraordinaire to discuss data privacy, cybersecurity in banking/fintech, and much much more. This episode will leave you questioning where you stand on the issues surrounding data ownership and have you wondering if that TikTok dance was really worth it.
Aug 13, 2020
Episode 349: Blazing a Trail in the Digital Payments Space
1:01:05
For this episode of Breaking Banks, we are setting the stage for a new era of banking experiences and capabilities in the digital payments space. Our guests today are revolutionizing digital payments and paving the way for cashless transformation. Brett King is joined by contributor Brian Solis Global Innovation Evangelist of Salesforce and YandexMoney CEO Ivan Glazachev to discuss Russia’s advancements in payments, mobile wallets, and transfers in the wake of COVID-19. Next, hear from Jun Hasegawa and K. Pitiporn Phanaphat as they chat with Brett King about blockchain technology for fintech applications. With a recent investment round led by SCB10X, the Thailand based fintech SYNQA is poised to spread cashless solutions to businesses across Asia.
Aug 07, 2020
Episode 348: The Color of Money in VC
56:15
This episode of Breaking Banks is a call to action for the VC industry to put their money where their mouths are. Jason Henrichs speaks with Backstage Capital Founder and Managing Partner Arlan Hamilton about her journey from homeless to Investor/A Force to be Reckoned with. Arlan shares her experience in the VC space as a gay black woman and highlights Backstage Capital’s Syndicate program, a program dedicated to investing in under-resourced individuals. Be sure to check out Arlan’s new book It’s About Damn Time and visit backstagecapital.com! Then stay tuned as Jason hosts Mike Asem, Partner at M25, and board member with BLCK VC. Mike shares his passion for being a good steward in the investment space, to not only advance diversity and inclusion within the VC industry but to truly change the entire landscape. Mike’s insightful and actionable framework for Anti-Racism Ownership can be found at bit.ly/bediverse. The Guests Arlan Hamilton / Founder & Managing Partner at Backstage Capital Arlan Hamilton built a venture capital fund from the ground up, while homeless. She is the Founder and Managing Partner of Backstage Capital, a fund that is dedicated to minimizing funding disparities in tech by investing in high-potential founders who are people of color, women, and/or LGBT. Started from scratch in 2015, Backstage has now raised more than $7 million and invested in more than 130 startup companies led by underestimated founders. In 2018 Arlan co-founded Backstage Studio which launched four accelerator programs for underestimated founders in Detroit, Los Angeles, Philadelphia, and London. Backstage Capital: https://backstagecapital.com/ Arlan's New Book: https://www.itsaboutdamntime.com/ Mike Asem / Partner at M25 As a partner at M25, Mike has participated in nearly 100 investments in early-stage companies across the Midwest. Outside of his responsibilities at M25, Mike is a Kauffman Fellow (Class 24) and a board member at BLCK VC, leading initiatives in the Midwest to connect, engage, empower, and advance Black venture investors. Prior to M25, Mike founded The Anvil, a co-working space and startup incubator on Purdue University's campus, where he helped launch the first Purdue startup to be accepted to Y Combinator. Mike lives in Chicago with his wife, Erikka. In his free time, he enjoys making wine, eating sushi, following Chicago sports, and traveling with his wife. M25: https://m25vc.com/
Jul 31, 2020
Episode 347: Identity Infrastructure Goes Global
57:53
COVID-19 has exposed the reliance on long outdated and insecure identity metrics founded on face-to-face interaction, with identity theft and fraud increasing during lock-down. The organizations that had already implemented digital onboarding and identity verification have obviously performed better during the crisis. But where will we go from here? Join Brett King and Dave Birch as we bring in leading identity specialists Jumio and Metro bank in the UK as they talk about their journey to digital.
Jul 24, 2020
Special Episode: The Fall of Privacy Shield
16:08
Breaking news on Breaking Banks: Europe’s Court of Justice has moved to strike down EU-US Privacy Shield. For this special episode, Dara Tarkowski and Ajit Tripathi join Jason Henrichs to discuss the decision and what this means for thousands of companies currently sharing data with the U.S.
Jul 20, 2020
Episode 346: Silo Busting with EMERGE Everywhere
53:42
Join us for this exciting episode of Breaking Banks! We are introducing the newest addition to the growing Provoke.fm family, the EMERGE Everywhere podcast hosted by Jennifer Tescher President and CEO of the Financial Health Network. Listen as hosts Brett King and Jason Henrichs explore the purpose and passion behind Jennifer’s upcoming launch of EMERGE Everywhere and enjoy an exclusive sneak peek of Jennifer’s interview with Paypal CEO Dan Schulman. Tune in and subscribe to Breaking Banks and EMERGE Everywhere podcasts to stay up-to-date with the latest in fintech with leading industry players.
Jul 17, 2020
Episode 345: Mega Trendlines & Braving Regulation in Finserv
58:59
In this episode of Breaking Banks, host JP Nicols is joined by Dara Tarkowski Attorney and Managing Director of Actuate Law; as well as, the host of the Tech on Reg podcast on Provoke.fm Media. They discuss the Consumer Financial Protection Bureau’s launch of the pilot advisory opinion (AO) program and challenge banks to take a more proactive stance in regulatory compliance as opposed to the reactive approach of yesterday. Then stay tuned as Brett King hosts Melissa Koide, CEO of the FinRegLab to talk about new research on AI in financial services. They explore how the use of advanced analytical processes can help drive our financial system toward an inclusive recovery.
Jul 10, 2020
Episode 344: The Black Banker: The Real Color of Money
1:00:16
Let’s begin with a sobering fact: According to the CFP, Blacks and Latinos make up less than 4 percent of certified financial planners in the United States. We will explore this reality and many more in this week’s episode where Jason Hendrichs is joined by Randy Rivera Executive Director at FinTEx, David Clunie the Executive Director of the Black Economic Alliance, and Tyrone Ross the Director of Community at Altruist. Listen as our guests bring into focus what it’s like to be Black and Latino in the world of banking and wealth management. Learn what we must do as a nation to demand greater inclusivity and create a fundamental systemic change for future generations.
Jul 03, 2020
Episode 343: The Next Era of Digital Growth in Banking
57:10
In this episode, Chloe James, Bryan Clagett, and James Robert Lay join Brett King to discuss strategic bank marketing during COVID-19 and to explore the importance of finding the right formula to make huge gains in digital efforts. They also take a deep dive into James Robert Lay’s new book Banking on Digital Growth: The Strategic Marketing Manifesto to Transform Financial Brands to get his views on the new wave of digital opportunities available to financial institutions. Then stay tuned to hear a bit from Dara Tarkoski’s Tech on Reg podcast part of the Provoke.fm family. Dara and guests discuss the systematic and institutional challenges of funding higher education for people of color in the US. Dara hosts, A.M. Money, a fintech student loan company that approaches the risk profile for these student populations very differently.
Jun 26, 2020
Episode 342: Currency Wars
58:52
In this week’s episode, we have the return of show regulars Dave Birch (Author of the Currency Cold War), Jo Ann Barefoot (Founder of The Alliance for Innovative Regulation), and Michael J Casey (Chief Content Officer, Coindesk) to talk about the emerging digital currency wars. Will it be Red (China) vs Blue (Libra), or will the US finally step into the breach to defend the US dollar hegemony with their own digital dollar?
Jun 19, 2020
Episode 341: Digital Rockstars
1:01:58
Fintech has gone from sideshow to the mainstage. Digital is no longer the accompaniment to soloist. Today on the show - Peter Ramsey just won the American Idol of fintech when he documented the user experience opening 12 bank accounts in the UK. He shares with us the surprises along the way as well as his UX pet peeves. In the second half, Patrick Sells was just named Digital Banker of the year by American Banker. Ironically, 18 months ago he wasn’t a banker at all. How did he drive so much success in such a short time at a community bank? He started with mission and culture.
Jun 12, 2020
Episode 340: Good Policy, Good Banking
1:06:00
The novel coronavirus isn’t just a health pandemic, it is highlighting critical social and economic issues. Nowhere is this more apparent than the paycheck protection program. Today on the show we talk about lessons learned from the last crisis, some of the lessons we should have learned but haven’t and how banks, fintechs, and regulators are responding. We have 4 guests today - Zach Warmbrodt, Financial Services Reporter for Politico talking about his view from Washington, Jill Castilla, CEO of Citizens Bank of Edmond and Brandon Dewitt, CTO & Co-founder of MX talking about their partnership to help main street and last, Patrick Davis, of Community Reinvestment Fund - a non-profit that acts like a fintech to bring lending to underserved communities. Air Date: Thursday, June 4, 2020 Air Time: 3:00 PM ET Headline: Good Policy, Good Banking Summary: The novel coronavirus isn’t just a health pandemic, it is highlighting critical social and economic issues. Nowhere is this more apparent than the paycheck protection program. Today on the show we talk about lessons learned from the last crisis, some of the lessons we should have learned but haven’t and how banks, fintechs, and regulators are responding. We have 4 guests today - Zach Warmbrodt, Financial Services Reporter for Politico talking about his view from Washington, Jill Castilla, CEO of Citizens Bank of Edmond and Brandon Dewitt, Co-founder & CTO of MX talking about their partnership to help mains street and last, Patrick Davis, of Community Reinvestment Fund - a non-profit that acts like a fintech to bring lending to underserved communities.  Show Sponsors:HarrysJack Henry & AssociatesShippo Alpharank Show Hosts:Brett KingJason Henrichs Show Guests:Zachary WarmbrodtJill CastillaBrandon DewittPatrick Davis TOPICS DISCUSSED: [2:20] Zachary Warmbrodt says banks have fared better during the COVID-19 crisis than in 2008 during the recession.  [4:55] Could the level of inequality we are experiencing in the United States right now lead to a revolution? Will the Federal Reserve play a larger role in this mission? [10:00] There was a lot of concern and chaos around the PPP Program, are policymakers helping smaller banks reach the underserved communities? [12:00] Brett King speaks about financial inclusion and the CRA.  [15:20] When are we going to see technology take on a more prominent role in financial inequality. Especially banks and fintechs.  [21:00] Will we see a change in the strict regulatory requirements put on financial incumbents in the United States? [32:50] Brandon Dewitt speaks about the nobility of banking.  [41:00] Jill Castilla talks about being on the frontlines of the PPP and joining with MX to better serve their customers. [47:14] MX went to community banks and provided open-source software free of charge in order to serve small businesses for the greater good.  RESOURCES MENTIONED:MXCitizens Bank EdmondCRF USAPoliticoFederal ReserveTrump AdministrationSmall Business AdministrationFDICGoogleRakutenMark CubanAmazonDana Farber Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL TRANSCRIPTION Show Hosts:
Brett King
Jason Henrichs

Show Guests:
Zachary Warmbrodt
Jill Castilla
Brandon Dewitt
Patrick Davis=================================================Brett King (00:06):Welcome to Breaking Banks. The number one global fintech radio show and podcast. I’m Brett King.Jason Henrichs (00:13):And I’m Jason Henrichs. Every week since 2013, we explore the personalities, start-ups, innovators, and industry players, driving disruption in financial services.
Jun 05, 2020
Special Episode: Breaking Banks and Crypto Capsule Collaboration
42:36
Changpeng Zhao, aka “CZ”, CEO and founder of Binance joined us for this special Breaking Banks and Crypto Capsule Collab. Brett King, Henri Arslanian and Ajit Tripathi had an interesting and insightful conversation with CZ about the future of the crypto industry in a post-COVID-19 environment. This is a must-listen episode! Be sure to catch Henri Arslanian’s weekly Crypto Capsule show on LinkedIn where he shares the weekly crypto developments with his half-million followers. Tune in for Breaking Banks Europe to hear the latest in fintech and crypto from Ajit Tripathi. To learn more about Binance, the global blockchain company behind the world’s largest digital asset exchange by trading volume and users, visit Binance.com
Jun 02, 2020
Episode 339: The Infinite Retina
55:05
In this week's show, regular contributors Robert Scoble and Brian Roemmelle are back, with Robert's co-author on his latest book, Irena Cronin joining us also. Katie King (aka Miss Metaverse) sits in the co-hosting chair as a fellow futurist. We get into smartglasses, sensors, flying cars, autonomous robots, and supply chain, training surgeons on 3D cadavers, and e-sports. All in the domain of a new field of computing called Spatial Computing - and it's going to be YUGE!!
May 29, 2020
Special Episode: Catalysts in Small Business FinTech
55:48
Small Businesses are the lifeblood of the global economy, listen as Michael Abare- Principal Product Manager for Fusion Digital Banking at Malauzai, a Finastra Company explains how the Finastra ecosystem enables financial institutions to reach and assist more small business clients. Then for the second half, Jason Henrichs hosts Derik Sutton VP Marketing of Autobooks to learn how Autobooks has been able to free up more time for small businesses to take care of the more important things in life and the launch of their “Get Paid with Autobooks” initiative.
May 27, 2020
Episode 338: Banking on Success in the Cloud
52:03
This week on Breaking Banks Jason Henrichs hosts John Weinkowitz from our sponsor Finastra and Tom Feher from Microsoft to discuss Finastra’s pinnacle core, Fusion Phoenix. Tom and John explore how Microsoft’s Azure Cloud has enabled Finastra to lead the pack in utilizing the cloud to help banks innovate faster and more efficiently. Then, stay tuned as Jason Henrichs speaks to, Sherri Davidoff CEO of LMG Security, about security challenges faced by industries on the bleeding edge of technology. Sherri explains how financial institutions can elevate innovation efforts while also remaining secure. Show Hosts: Jason Henrichs Show Guests:Sherri Davidoff CEO of LMG Security Tom Feher from Microsoft John Weinkowitz from Finastra  Sponsored by Finastra TOPICS DISCUSSED: [3:20] How has Finastra embraced cloud technology and how have they leveraged it to make it easy for banks? [3:50] Why did Finastra go all-in on cloud computing technology? [6:17] Were the bigger banks the first to invest in cloud technology and is the playing field being leveled by fintechs? [10:15] Are we seeing a large number of banks considering migrating to the cloud since the COVID19 crisis? [13:02] Customers are increasingly demanding self-service features from their financial institutions. [17:20] Banks are getting really smart about security as they open up to new opportunities and partnerships. [20:00] Finastra customers are realizing the value of KYI, plug and play technologies, and the importance of actionable data. [23:30] Leveraging data to lower risk and find new opportunities is of value for Finastra clients. [29:43] Jason makes the point just because you can physically touch a server does not mean it’s more secure. [31:20] Sherri explains that the cloud has both the ability to be secure and insecure. It’s important to vet your provider. [36:00] Sherri discusses two-factor identification in detail. [41:45] Would it make sense to have hardware tokens? [42:20] Is regulation keeping up with how banks view cybersecurity and technology? [48:02] Security assessments are valuable in today’s climate for organizations and consumers. RESOURCES MENTIONED: Microsoft Azure Finastra Zelle Lyft UberLMG Security Verizon ATT TMobile Breaking Banks is the #1 global fintech radio show and podcast. Tune in every week for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Subscribe at Provoke.fm or wherever you get your podcasts. FULL TRANSCRIPTION Announcer: Financial technology or fintech is one of the fastest growing industries in the world today with New York, London, Tel Aviv, Edinburgh, Singapore, Moscow, and other major cities all buy in for a piece of the action. Welcome to Breaking Banks; the first dedicated radio show that focuses on how this new boom is changing everything from the way we bank to the very concept of money itself. Now, here’s your host, Jason Henrichs.  Jason Henrichs: Today on the show, talking about cloud, specifically financial services in the cloud. Now, historically, when we bring up cloud within financial services, the debate can take on religious proportions. Tech evangelists sing the praises of the architecture, compliance departments scream it’s not secure, IT departments feel more scared when they can physically go hug that box that’s running code in the cage. Until recently, I think everyone felt more secure when remote access was locked down. Now, current circumstances can show that if everyone has to come into the bank in order to operate the system, well, there’s just some limitations attached to that. Today on the show, John Weinkowitz, GM of retail and head of product strategy for community markets at Finastra in Palm Bay or West region financial services industry director at Microsoft. Talk about banking in the cloud. Tom, do you have a special fold-out on your card to get that whole ...
May 21, 2020
Special Episode: Digital Love in the Time of COVID
45:39
On this Special Episode of Breaking Banks we spoke to bankers about why they love what they do and highlighted the importance of purpose in digital advancement. Show Hosts: Jason Henrichs Show Guests: Mary Kate Loftin of M&T Bank Curt Queyrouze of TAB Bank TOPICS DISCUSSED: [2:40] In today’s landscape does digital banking take the humanization out of banking? [4:50] Mary Kate Loftin talks about looking ahead in innovation and M&T Bank’s partnership with MX. [6:45] How should banks manage employee happiness during the COVID19 crisis? [11:52] Mary Kate talks about the increase in usage of Zelle during the coronavirus pandemic.  [14:55] Jason asks Mary Kate does meaning and purpose account for a happier workplace? How do the customers benefit when bankers are happy? [17:10]  What does it take to bring surprise and delight from a banking product? [25:00] Jason asks Curt Queyrouze why he chose to become a banker. [30:02] Is there a difference in passion between banks and fintechs? [33:12] Curt says it’s important to take purposeful risks in technology. [34:05] Utilizing a jobs-to-be-done mentality can help solve customer problems and issues. [35:15] How do you get an internal culture to change their mindset around the fear of failure? [44:00] How important has it become for banks to hire passionate people to be bankers and be able to adapt to change? RESOURCES MENTIONED: MX  M&T Bank Adobe Analytics Microsoft Teams Trello Zelle Instacart Docusign TAB Bank Jack Henry & Associates Show Sponsors: Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL TRANSCRIPTION Jason Henrichs: Hey, if you’re happy and you know it, clap your hands. I have not gone crazy, although if hear that song one more time, I might be going crazy in this pandemic. But today on Breaking Banks, we’re going to be talking with Mary Kate Loftus, Senior Vice President and Director of Digital at M&T Bank, and we’re going to be talking about happiness. Jason Henrichs: Now, the first time Mary Kate and I started this conversation, it was relatively easy to be happy, because we were actually at MX’s Fintech Summit up at Sundance, staring at the mountains and the snow, and everything was good. No one was locked down, spending all this quality time, no one was doing homeschooling. Jason Henrichs: But one of the things, Mary Kate for being… Apologies for saying this, you’re a digital nerd. Which is part of why I like you. But you are so happy about being a banker. And it was actually infectious in that level of how excited you are to be a banker. So maybe to start, why do you love being a banker so much? Mary Kate Loftus: I love being a banker. You’re right. I think it is just an awesome, delightful career. I think it’s because bankers are helping people with one of the most important aspects of their life, which is how to manage their money, and how to achieve their dreams. Jason Henrichs: Has that changed at all? Right now, in the middle of a pandemic, we’ve got a crisis, we’ve got people who are stressed. Has that sense of meaning changed right now? I’m assuming it’s gone up, right? I don’t mean to be leading the witness, but how would you characterize the way it’s changed? Mary Kate Loftus: I mean, I think gone up would be an understatement. I’ve seen people, I’ve seen executives so moved by what is going on, literally brought to tears. I think there’s such meaning in how we’re able to help customers, whether it’s keeping the lights on and the doors open and people receiving a paycheck.
May 18, 2020
Episode 337: Winners and Losers in a Post-Pandemic World
58:26
The impact of the COVID-19 novel coronavirus has been both global and catastrophic, as both a public health crisis and as a worldwide economic crisis. Dealing with the health risks will continue for a while, but what’s likely to last even longer are the economic effects, and those always have a big impact on the financial services industry. We talk about who’s winning and losing today, and over the long run in a dramatically changing world. Show Hosts: JP Nicols   Show Guests: Ron Shevlin, Penny Crosman, Jim MarousTOPICS DISCUSSED:[2:30] Are payment processors fairing well during the COVID-19 pandemic? [4:00] Organizations that were further ahead in digital efforts have been able to be more agile in servicing customers. [8:02] Ron Shevlin discusses his latest study regarding small business banking.  [13:30] Jim Marous highlights the importance of being a data-first organization.  [15:00] We are seeing numerous lawsuits against banks for how they processed PPP loans. [18:05] Should the government have waited 24-48 hours to roll out the PPP platform? [21:08] Many small businesses are struggling with the payroll portion of the PPP program. Will they struggle to get forgiveness? [23:12] Ron Shevlin discusses his article https://www.forbes.com/sites/ronshevlin/2020/05/04/the-looming-paycheck-protection-program-forgiveness-nightmare/#15388a5e2e25 [33:30] What does consolidation in the financial industry look like moving forward? [40:57] Will we see more deployment and resources reallocated to digital experiences post COVID-19? What does this mean for branches? [46:50] What is the potential for ITM’s and virtual assistants in the near future?   RESOURCES MENTIONED: Cornerstone Advisors The Financial Brand  American Banker Forbes Stripe Square PayPal True Accord  Verizon TD Bank Bank of America   Show Sponsors: ExpressVPN Jack Henry & AssociatesBreaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL SHOW TRANSCRIPTION Announcer: Financial technology, or fintech, is one of the fastest growing industries in the world today, with New York, London, Tel Aviv, Edinburgh, Singapore, Moscow and other major cities all vying for a piece of the action. Welcome to Breaking Banks, the first dedicated radio show that focuses on how this new boom is changing everything, from the way we bank to the very concept of money itself. Now, here’s your host, Brett King. JP Nicols: Welcome to Breaking Banks, the number one global fintech radio show and podcast. I’m JP Nicols. Today, we’re looking at winners and losers so far in this pandemic era, and as we look forward to a post pandemic world, with three of our regular and most prolific contributors. Ron Shevlin, director of research for Cornerstone Advisors and senior contributor to Forbes, Penny Crosman, executive editor Technology at American Banker, and Jim Marous, publisher of the Digital Banking Report and co publisher of the Financial Brand. JP Nicols: The impact of the COVID-19 novel coronavirus has been both global and catastrophic, as both a public health crisis and as a worldwide economic crisis, and we’re still in the relatively early stages of it as we record this in early May of 2020. The financial services industry is caught in the squeeze as many workers are at risk on the frontline provided much needed access to relief loans, while others are adapting to social distancing directives. JP Nicols: Dealing with the health risk will continue for a while, but what’s likely to last even longer are the economic affects, and those have always had a big impact on the financial services industry.
May 17, 2020
Episode 336: 7th Anniversary Special
55:02
John McAfee joins hosts Brett King, Miss Metaverse (Katie King), and Dave Birch on the 7th Anniversary episode of the #1 Fintech podcast and radio show. Little did we know back in May of 2013 that this thing would turn into the global phenomenon that it has been. Now, let’s get a little out there as McAfee talks about the similarities between computer viruses and COVID-19. Air Date: Thursday, May 7, 2020 Show Title: 7th Anniversary Special Summary: John McAfee joins hosts Brett King, Miss Metaverse (Katie King), and Dave Birch on the 7th Anniversary episode of the #1 Fintech podcast and radio show. Little did we know back in May of 2013 that this thing would turn into the global phenomenon that it has been. Now, let’s get a little out there as McAfee talks about the similarities between computer viruses and COVID-19. Show Hosts: Brett KingKatie KingDave Birch Show Guests:John McAfee TOPICS DISCUSSED:[2:00] John McAfee discusses politics and government bailouts and the fallout for years to come. [4:15] Brett King asks if there is a disconnect between the economy and stock market performance. [6:00] John McAfee talks about life lessons to be learned about trust, disparity, and capitalism. [9:14] Lower to middle-class households are being hit hard economically and healthwise during COVID-19. [10:12] Should people rely more upon data than the news media? [14:20] Did we fail as a country when it came to risk and pandemic planning?  [16:00] John McAfee understands the mathematics of the spread of viruses.  [21:03] What do the most heavily locked down countries all have in common? [23:10]  What does the mortality rate look like for the U.S.A during COVID-19? [33:02] How will the coronavirus affect the world economies in the distant future? [37:30] Brett King talks about his Boring Co. Flame thrower. [38:30]  Will there be a meat shortage post-COVID-19? [44:40] John McAfee says he and Elon Musk have a similar thought process regarding COVID-19. [47:30] John McAfee talks about Monero and Ghost Cryptocurrency. RESOURCES MENTIONED: The Currency Cold WarBoring Company Show Sponsors: ExpressVPNJack Henry & AssociatesShippo  Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL TRANSCRIPTION Show Hosts: Brett King Katie King Dave Birch Show Guests: John McAfee [Intro]  Financial technology or fintech is one of the fastest growing industries in the world today with New York, London, Tel Aviv, Edinburgh, Singapore, Moscow, and other major cities all buy in for a piece of the action. Welcome to breaking banks. The first dedicated radio show that focuses on how this new boom is changing everything from the way we bank to the very concept of money itself. Now here’s your host, Brett King.   Brett King: Hey guys welcome back to breaking banks this week. It’s our seventh anniversary edition and we have all the gang here. We have with us Dave Birch a long time my cohost and the author of the, let me get this right, the new book that you’ve [00:44 inaudible] “the currency cold war: Cash and cryptography, hash rates and hegemony. Is that right? 
Dave Birch: That’s clever, right? 
John McAfee: That’s very clever. Hash rates and hegemony. 
Brett King: Joining us also is miss metaverse, Katie Schultz.  Katie King: Oh hi.
Brett King: Thanks for coming back on the show. And of course our special guest this week is John MacAfee. John, welcome to breaking banks. 
John McAfee: Thanks for having me, Brett. I’m happy to be here. Since I saw everybody’s science fiction background, I know I’m going to be at home here. 
Brett King: Absolutely. Very good.
May 11, 2020
Episode 335: Innovation: Go BIG or Go Home
57:03
For this live episode of Breaking Banks Brett King and long time contributor David Gerbino are joined by Elizabeth Robins and John Best of Best Innovation Group (BIG) to analyze the current state of affairs for the financial sector. We explore disruptive opportunities in Voice First technology for financial institutions post coronavirus and discuss the need for strategic digital roadmaps moving forward. Also, catch a “Moment of Snark” with Ron Shevlin as he discusses important matters on the news front.
May 05, 2020
Episode 334: Zeroing in on the CX with Jack Henry Digital
56:13
For this episode of Breaking Banks, Brett King and long time contributor Alex Jiménez are joined by Lee Wetherington and Benjamin Metz of Jack Henry Digital. They dive into the evolution of digital banking and discuss how Jack Henry Digital has helped community financial institutions stay competitive in this rapidly changing landscape. Join us to hear where customer expectations are headed and what steps financial institutions will need to take in order to meet the growing demand in digital advancement. TOPICS DISCUSSED: [1:00] Brett King and Alex Jimenez talk about current events and the future of banking after COVID-19. [6:58] Ben Metz discusses the importance of community financial institutions and the vitality of remaining competitive.  [9:51] Brett King asks the guests about the human factor of banking versus the digital aspect. [14:10] Extractable has seen a huge spike in customers logging into digital banking during the COVID-19 pandemic. [15:15] Jack Henry & Associates have designed a first of its kind conversational channel feature for Banno digital banking.  [17:30] Community financial institutions are working diligently to remotely service both customers and employees. [21:41] Jack Henry Digital worked with Simmons Bank to roll out a successful digital-first experience.  [35:03] The guests talk data and segmentation. [41:00] What conversation relating to digital banking should be taking place right now in the boardrooms of financial institutions? [49:00] Jack Henry is seeing an increase in digital spend by financial institutions. HOSTS: Brett King Alex Jimenez GUESTS: Lee Wetherington Benjamin Metz RESOURCES MENTIONED: Jack Henry Banking- https://www.jackhenry.com/ Extractable- https://www.extractable.com/ Simmons Bank- https://simmonsbank.com/ Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL TRANSCRIPTION HOSTS: Brett King Alex Jimenez GUESTS: Lee Wetherington Benjamin Metz [Intro] Financial technology or fintech is one of the fastest growing industries in the world today with New York, London, Tel Aviv, Edinburgh, Singapore, Moscow, and other major cities all buy in for a piece of the action. Welcome to Breaking Banks. The first dedicated radio show that focuses on how this new boom is changing everything from the way we bank to the very concept of money itself. Now here’s your host, Brett King. 
Brett King: Welcome to Breaking Banks. We are live from New York city and around the country today with the number one global fintech radio show and podcast. I’m really glad that you guys could join us this week. I am of course I’m your host, Brett King. And joining me to cohost today is Alex Jimenez, chief strategy officer at extractable and longtime fintech mafia pal, Alex, welcome to the show.
Alex Jimenez: Thanks for having me. It’s been many years coming. 
Brett King: Yeah, it has. So actually we’re just about to come into ourSeventh year, right? Cause May is the anniversary. I have to check on that what the anniversary date is, but we probably need to do a birthday anniversary show. That’ll be fun. So Alex, before I introduce our guests how have you and your team been coping during the coronavirus crisis? 
Alex Jimenez: Well, there’s a few of us to work remotely, so we’re nothing really has changed for us, but the majority of our team sits in San Francisco and certainly they have been working out of their homes for the past several weeks now. And seems to live in san Francisco, they live in very small apartments. So they’re all going stir crazy. 
Brett King: But you guys are well equipped to do it remotely,
May 01, 2020
Special Episode: Navigating the Crisis
53:18
BREAKING BANKS - EPISODE 332: Navigating the crisis In this week’s special edition we get up close with the CEOs of Varo and Moven on the collaboration. Then Greg Palmer and Brett King interview ex White House staffer Adrienne Harris on what life is like in the West Wing during a crisis like COVID-19. TOPICS DISCUSSED: [2:15] Marek Forysiak addresses Moven’s decision to start focusing exclusively on enterprise. [4:05] Colin Walsh started Varo with the belief that Americans need a better bank. [12:25] Adrienne Harris shares her views on how the fintech industry will perform during the economic downturn. [17:10] Greg Palmer looks to fintechs to prove that they can walk the walk and put customer needs first during and after the COVID-19 crisis. [18:30] How can fintechs help deliver money more quickly to those who need it most? [20:00] We need cleaner, better data. [26:05] Brett King speaks to Greg Palmer about what the fintech community is doing to help out during the COVID-19 pandemic. [29:50] Adrienne Harris describes what it’s like in the White House in the times of disaster. [35:00]  How much of the government response is a pre-planned workflow versus in the moment? [36:35] We discover Greg Palmer was a part of the Model UN in high school. [41:55] Adrienne Harris talks about the work she’s currently doing. [44:55] How did the 2008 crisis compare us for the COVID-19 crisis? GUESTS: Adrienne Harris Colin Walsh Marek Forysiak  RESOURCES MENTIONED: Varo- https://www.varomoney.com/ Moven- movenenterprise.com Obama Administration Gates Foundation- www.gatesfoundation.org Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL SHOW TRANSCRIPTION Brett King: (00:04)Welcome to Breaking Banks. Now, this is a special edition of Breaking Banks. Coming up in the show we have Adrienne Harris, who as many of you guys will know, was an adviser to the Obama administration, a special advisor to the President on banking. And we’re going to get into how she would be responding to the coronavirus crisis, if she was still in the White House today, and how they would go about gaming that and dealing with that crisis. It’s a really interesting discussion coming up. Brett King: (00:34)But before that, I wanted to bring a couple of friends onto the show. As you guys have seen, we’ve had some changes in with the Moven team as well. So we’ve got Marek Forysiak joining us, who’s the CEO of Moven. Marek, welcome back to the show. Marek Forysiak: (00:48)Thanks, Brett. Thanks for having me on. Brett King: (00:49)And also Colin Walsh from Varo Money. Colin, welcome to Breaking Banks. Colin Walsh: (00:54)Thanks, Brett. Great to be on the show. Brett King: (00:57)Now let’s start off with Marek. If we can get you to jump in, first of all, is give us a bit of context of how the coronavirus situation affected the decision strategically in Moven, in terms of our recent pivot to enterprise and why that eventuated in this partnership with Varo Money. Marek Forysiak: (01:18)Sure. Thanks, Brett. Coronavirus and COVID-19, that really wasn’t the determining factor for us when we made our decision late last year to shift our emphasis exclusively towards enterprise. That business for Moven, which began back in 2016 has continuously grown. Recently, Moven signed a multi-year, multi-country deal with Saudi Telecom to further expand upon that business. So the momentum on enterprise has been consistent over the past several years. Marek Forysiak: (01:59)What COVID-19 did as we were ...
Apr 14, 2020
Tech’s Role in the Shut In
1:00:26
BREAKING BANKS - EPISODE 332: Tech’s Role in the Shut In Crowd favorites Brian Roemmelle and Robert Scoble are back this week to talk about how tech is being utilized to help us through the coronavirus shut-in, and which technologies are likely to become long term influences as some behaviors stick around beyond recovery. From zoom to VR, what tech is keeping you sane and working? TOPICS DISCUSSED:[3:16] Yobie Benjamin helped donate two million tests to Wuhan, China. They continued to use those test kits in China and also in Korea.[5:18] Yobie Benjamin and John Nosta explain how coronavirus testing helps to identify the sick and the well. So that way, the sick can self-isolate, and then those who are well can have semi-normal lives. [6:10] Adequate COVID-19 testing would mean a much better idea of mortality rates and determining how many people are going to require urgent medical care and respirator demand.[8:57] Does fighting COVID-19 come back to the basics of isolating people, getting people masks, cleaning surfaces, and most importantly, doing as much testing as possible?[39:40] Jason Henrichs hits on the necessity to meet the rapidly evolving needs of customers. The changes that may be needed not only for commercial customers but an aging population as well.[40:42] Chris Nichols delves into the ability to manage and support employees that are working remotely and in branches during the coronavirus pandemic. How is technology helping?[42:00] Chris Nichols and Jill Castilla discuss the importance of maintaining open lines of communication at all times during and following the COVID-19.[44:13] Developing a business continuity plan and highlighting Chris Nichols’ Centerstate Blog, in particular the COVID-19 playbook.[46:00] Noting that in black swan events when we see volatility spike up it’s time to get nervous and start making plans.[48:00] It’s vital to leverage technologies for internal use as well as getting more customers on online banking and mobile banking.[49:30] Jill Castilla outlines the technology Citizens Bank has provided to businesses, so that they have access to deposits and cash.[52:15] Chris Nichols chats about now understanding the need to invest more in electronic payments and move away from cash and checks.[53:10] Jason Henrichs ponders if it is time to invest more in cloud based technologies? GUESTS:Yobie Benjamin @afbenjaminJohn Nosta @JohnNostaChris Nichols @cnichols0 @CSB4banksJill Castilla @JillCastilla @CitizensEdmond RESOURCES MENTIONED:https://www.cdc.gov/https://www.nih.gov/http://www.ucla.edu/https://www.princeton.edu/https://www.fda.gov/homehttps://www.ftforge.com/alloyhttps://csbcorrespondent.com/blog/author/13https://mycitizens.bank/personal  SPONSORS:Fiverr @fiverrCoMotion @UWCoMotionNovae Miles Card @WeAreNovae Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about.  FULL TRANSCRIPTION Host: Brett KingGuest: Robert ScobleGuest: Brian Roemmele[Start Transcription 00:01]Brett King: [00:01] Welcome to Breaking Banks. I am here with two good friends who have been regulars on the show. Brian Roemmele and Robert Scoble. Brian and Robert, welcome back to the show. Brian: [00:10] Thank you Brett. It’s great to be here.Robert: [00:14] And thanks, this is Robert. Thanks for having us on.Brett King: [00:16] Yeah, you guys are actually gonna love the show that’s going to add this week, actually because we’re pretty recording this for next week, but I had Ramas, David Green, and Kevin Anderson three sci-fi guys. Talking about how this is going to change the future of this.
Apr 10, 2020
SPECIAL EPISODE: Asia’s Pandemic Response
55:41
SPECIAL EPISODE: Asia`s Response to the Pandemic Brett King and Jason Henrichs focus on the swift response of Asian countries to this Pandemic and the lessons the global community can learn from it. Plus the fintech response and the digital implications. TOPICS DISCUSSED: [4:00] Matt Dooley discusses obstacles from the past that have prepared Hong Kong for the COVID-19 outbreak. [4:40] Brett King remembers the impact that the SARS outbreak had on Hong Kong while he resided there in 2003. [5:23] Hong Kong uses temperature checks, thermal imaging, and extreme disinfecting to practice discipline in order to prevent the spread of viruses. [9:36] Jason Henrichs asks the guests at what moment did they realize COVID-19 was something out of the normal. [11:08] Simon Loong explains the abrupt stop society faced when the COVID-19 pandemic reached Hong Kong. [11:19] Hong Kong banks had challenges getting employees back to productivity due to technology issues. [14:20] Jessica Lam outlines what measures WeLab took to reach and accommodate customers as well as employees. [19:19] How are bank digital customer behaviours changing around the world? [22:22] Jessica Lam describes the Hong Kong government’s commitment to being forward thinking in technology and banking, and the vital steps taken in order to future proof themselves. [25:20] Will banks start investing more funds in solutions that humanize their products and services? [30:25] The guests discuss an isky research white paper from Mark Donahue. [32:40] In the current COVID-19 crisis, are banks overloading their customers with bloated communication? [33:25] Brett King asks how banks are approaching digital transformation and responding to the customer’s needs for digital engagement. [36:45] Jason Henrichs asks Jessica Lam how WeLab Bank’s mindset has changed from the 120 days prior to the COVID-19 outbreak versus today’s approach. [41:20] How important is it for an organization to mentally prepare it’s staff for the complications and difficulties of working from home? [48:00] With consumers changing behaviors rapidly, will these habits stick once social distancing mandates are lifted? [50:50] China is starting to see an uptick in people going back to the office and resuming normal daily routines. [52:00] Simon Loong gives an update on WeLab and WeLab Bank as well as what the future holds for the organization.   GUESTS: Matt Dooley Simon Loong Jessica Lam Ben Quinlan   RESOURCES MENTIONED: Alipay WeChat Pay WeLab Webank zoom Iskyresearch @Mark_BankingCX Ant Bank Luck and Coffee Starbucks Food Panda Uber Eats Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL SHOW TRANSCRIPTION Jason Henrichs: (00:00)Welcome to Breaking Banks, the number one global fintech podcast and radio show. Brett and I are pleased to bring a very special episode focused not just on the pandemic, but on Asia is one of the first to enter into it and have some of the swiftest response. There’s a lot of lessons for our global community to learn and Brett you frequently bring in that Asian perspective with the amount of work that you’ve done there over the years, the amount of time you spent flying there to give talks. So to tee this up, the first half we’re going to focus on the sector as a whole and as the pandemic began to unfold the response by the banking and fintech sector.Jason Henrichs: (00:39)In the second half we’re going to talk about some of the digital implications. Asia’s always been tech led when it comes to the fintech revolution versus the banking and fintech led in the U.S.
Apr 07, 2020
Sci-Fi Legends talk COVID-19
55:06
Breaking Banks - Episode 331: Sci-Fi Legends talk COVID-19 On this week's show, we invited acclaimed science fiction authors David Brin, Kevin J. Anderson, and Ramez Naam on the show to talk about how the #COVID19 crisis might affect humanity on a long term basis, looking out short-term and then 50 years from now. These authors have written science fiction with topics like evolutionary adaptation, pandemics, nanobot infections and alien viruses, so they're well placed to think about societal impact. This is one you won't want to miss!  TOPICS DISCUSSED:[4:10]  What are we seeing in terms of global response to the coronavirus that are intriguing. [04:35] David Brin wrote a book called Earth in the 1980’s and the most difficult part for a sci-fi writer to predict is the very near future. [6:45] Will daily life return to normal after the events of COVID-19? What is the fall out from reduction in the demand for oil? [8:30] Does capitalism at its heart have the tools necessary to solve the outlying problems? Is COVID-19 a wake up call for capitalism? [10:36] David Brin discusses https://tinyurl.com/breathassist1 and the XPRIZE Foundation. [12:15] What does the future of working from home look like post coronavirus? [15:50] Will VR become the wave of the future in communicating, conferences, and dating? [19:00] David Brin gives listeners a lesson in haptics and comedy ensues. [22:51] Ramez Naam speaks about flattening the curve and how China handled the COVID-19 pandemic. [30:30] In the United States will we see the scales tip towards a more socialist society after COVID-19? [35:30] Does the United States need a basic social safety net? [40:20] There’s no doubt the United States needs to be more agile, will COVID-19 spur rapid innovation and change to be implemented? [41:50] Brett King explores the theory that sensors and cutting edge technologies could protect, diagnose, and prevent future outbreaks. [45:40] David Brin addresses the notion that the first symptom of COVID-19 is the loss of sense of smell. [50:00] Will citizens be open to sharing more personal information and data in order to move about freely post COVID-19? [51:19] Brett King asks each guest what society looks like 100 years post COVID-19. GUESTS:Ramez Naam @RamezKevin J. Anderson @TheKJA David Brin @DavidBrin RESOURCES MENTIONED:https://tinyurl.com/breathassist1www.rameznaam.comwww.wordfire.comwww.davidbrin.comhttp://denninginstitute.com/pjd/PUBS/CACMcols/cacmJun19.pdfhttps://www.davidbrin.com/fiction/givingplague.htmlhttp://www.thehugoawards.org/https://www.legendary.com/https://www.xprize.org/https://barackobama.com/https://zoom.us/meetinghttps://www.skype.com/en/http://www.levyinstitute.org/about/minsky/https://www.whitehouse.gov/about-the-white-house/presidents/franklin-d-roosevelt/ SPONSORS:Fiverr @fiverrHarrys @harrys  Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about. FULL SHOW TRANSCRIPTION Brett: (00:00)Welcome back to Breaking Banks. This week, we thought with all the Coronavirus fuss and bother, that we would bring in the sci-fi guys and we would have a talk about what's going to happen next. Part of the art of science fiction is trying to role play, model out scenarios, look at how events that are happening right now might extend out into the future. So we've invited a few friends on. Mez, Ramez Naam. Welcome back. Ramez Naam: (00:30)Thanks Brett. It’s a pleasure to be here.Brett: (00:32)Hugo award winning author of Nexus, if I understand correctly, a singularity university. Was it Hugo award?Ramez Naam: (00:38)No Hugo for me.
Apr 03, 2020
Life Before and After Social Distancing
1:02:15
BREAKING BANKS - EPISODE 330: Life Before and After Social Distancing For the first half of this episode, we travel back to a simpler time before the mass disruption of normality from the COVID-19 pandemic-- just 4 weeks ago. Greg Palmer spoke with JP Nicols in late February about the tech-driven advancements he is seeing on the frontlines of innovation from the Finovate stage and contrasts that to consumer adoption trends. In the second half we find ourselves in a world where social distancing is the new normal. Scarlett Sieber from CCG Catalyst Consulting Group reflects on the obstacles the financial services industry and fintechs are currently facing and will continue to face in the weeks and months to come.   TOPICS DISCUSSED: [2:30] Greg Palmer discusses Finovate Europe in Berlin, where 5 of the 6 winners for best in show were all customer facing technologies.   [3:30] Fintechs are recognizing in order to be attractive to financial institutions they have to meet the customer base’s needs and provide a meaningful service.   [5:40] Greg Palmer points out that financial institution employees must have a positive experience with the technology in order to help drive digital adoption.   [6:30] There are a massive number of challenger banks popping up around Europe, how many can the market support?   [9:00] Open banking opens the door to allow challengers to come in and take on traditional financial institutions, is there still a lot of opportunities in this arena?   [18:20] The Finovate podcast has special programming for International Women’s Day. [20:00] JP Nichols joined Greg Palmer on the Finovate podcast recently to talk about the gap between the technology adoption curve versus the hype curve.   [37:05] Scarlett Sieber discusses the broad impact COVID-19 has had on her personal and professional life and how New York City feels a little apocalyptic.   [39:00] The issue being put on the back burner, Scarlett Sieber believes, is solving real customer pain points and problems. This will be the focus of financial institutions moving forward beyond the coronavirus.   [40:13] Showing revenue from a ROI and profit perspective is going to be tremendously important.   [45:45] Hypothesizing that the number of fintechs that will be interested in the accelerator model will increase dramatically.   [50:01] The coronavirus pandemic might be the push that will get consumers more comfortable utilizing digital banking features like investments and payments.   GUESTS: Greg Palmer @GregPalmer47 host of @Finovate Scarlett Sieber @ScarlettSieber @ccgcatalyst   RESOURCES MENTIONED: https://www.ccg-catalyst.com/ https://n26.com/ https://horizonfin.tech/ https://finovate.com/ https://finovate.com/startup-booster/ https://provoke.fm/show/finovate/   SPONSERS: Fiverr @fiverr CoMotion @UWCoMotion Novae Miles Card @WeAreNovae Theragun @theragun Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about.
Mar 27, 2020
Preparing for Black Swan
59:06
Breaking Banks - Episode 329: Preparing for Black SwanThe effects of the coronavirus are being felt globally, and the potential for long-term economic stress has everyone bracing for uncertainty. The guests joining this week’s show are on the frontlines of the COVID-19 pandemic. Brett King hosts Yobie Benjamin and John Nosta to weigh in on the facts and science surrounding COVID-19. In segment 2, Chris Nichols and Jill Castilla join Jason Henrichs to discuss the financial hardships customers and businesses are facing and the steps financial institutions are taking to ease burdens during these difficult times. TOPICS DISCUSSED:[3:16] Yobie Benjamin helped donate two million tests to Wuhan, China. They continued to use those test kits in China and also in Korea.[5:18] Yobie Benjamin and John Nosta explain how coronavirus testing helps to identify the sick and the well. So that way, the sick can self-isolate, and then those who are well can have semi-normal lives. [6:10] Adequate COVID-19 testing would mean a much better idea of mortality rates and determining how many people are going to require urgent medical care and respirator demand.[8:57] Does fighting COVID-19 come back to the basics of isolating people, getting people masks, cleaning surfaces, and most importantly, doing as much testing as possible?[39:40] Jason Henrichs hits on the necessity to meet the rapidly evolving needs of customers. The changes that may be needed not only for commercial customers but an aging population as well.[40:42] Chris Nichols delves into the ability to manage and support employees that are working remotely and in branches during the coronavirus pandemic. How is technology helping?[42:00] Chris Nichols and Jill Castilla discuss the importance of maintaining open lines of communication at all times during and following the COVID-19.[44:13] Developing a business continuity plan and highlighting Chris Nichols’ Centerstate Blog, in particular the COVID-19 playbook.[46:00] Noting that in black swan events when we see volatility spike up it’s time to get nervous and start making plans.[48:00] It’s vital to leverage technologies for internal use as well as getting more customers on online banking and mobile banking.[49:30] Jill Castilla outlines the technology Citizens Bank has provided to businesses, so that they have access to deposits and cash.[52:15] Chris Nichols chats about now understanding the need to invest more in electronic payments and move away from cash and checks.[53:10] Jason Henrichs ponders if it is time to invest more in cloud based technologies? GUESTS:Yobie Benjamin @afbenjaminJohn Nosta @JohnNostaChris Nichols @cnichols0 @CSB4banksJill Castilla @JillCastilla @CitizensEdmond RESOURCES MENTIONED:https://www.cdc.gov/https://www.nih.gov/http://www.ucla.edu/https://www.princeton.edu/https://www.fda.gov/homehttps://www.ftforge.com/alloyhttps://csbcorrespondent.com/blog/author/13https://mycitizens.bank/personal  SPONSORS:Fiverr @fiverrCoMotion @UWCoMotionNovae Miles Card @WeAreNovae Breaking Banks is the #1 global fintech radio show and podcast, created by Brett King. Tune in for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. Subscribe at Provoke.fm to hear the show nearly 2 million listeners from 72 countries are raving about.  FULL SHOW TRANSCRIPTTION Brett King, Host:Welcome to Breaking Banks. I am on with two good pals and two very interesting people that can give us a unique perspective today on the coronavirus and where this is likely to go, what’s going to happen over the coming weeks, and how long is it going to take before you get back to some sense of normalicy and maybe a new normal. So joining us is a renowned health tech expert Jon Noster who’s been on the show multiple times. Jon, welcome back.Jon Noster,
Mar 20, 2020
FinTech of the South
1:02:30
Last week Doug Nielson of US Bank highlighted how inspiration comes in different places including different geographies. This week on Breaking Banks, we hear from Andy Hernandez, Chief Digital Officer of Regions Bank in a session recorded live in the Sundance Screening Room as part of the MX Fintech Festival, and Charles Potts, Chief Innovation Officer at Independent Community Bankers of America (ICBA) and formerly Fintech Catalyst at the Advanced Technology Development Center (ATDC) at Georgia Tech. This episode brought to you by Theragun (solving Host Jason’s hip issues), CoMotion (our partner at the University of Washington) and the Miles Card (for all the rewards junkies).
Mar 13, 2020
Live! From Sundance
53:31
Sundance is known for its film festival, but over the last decade it has also become fintech famous with an intimate conference hosted by MX. Host Jason Henrichs talks with innovators live from the Sundance Screening room! This week listen to his conversations with Doug Nielson, SVP, Innovation Research and Development at US Bank about where he looks for inspiration, and Sam Taussig, Head of Policy at Kabbage, about how he’d shape the landscape if he was King of Fintech in Washington for the day.
Mar 06, 2020
Merger Madness
Jason Henrichs and Brett King host Steve Allocca of Lending Club & Mike Butler of Radius Bank to talk through the major elements that have been changing the landscape of fintech and the mergers happening today! Then, Dara Tarkowski of Actuate Law and host of Tech on Reg explains the regulatory effects of merger madness!
Mar 01, 2020
Chat Commerce: A Revenue and Engagement Revolution
Brett King takes a deep dive into the driving forces of FinTech on the African continent! He talks to Pieter de Villiers and Hannes van Rensburg of Clickatell and Nico Jacobs of MTN about the growth of the fintech ecosystem in Africa! Episode sponsored by Clickatell.
Feb 21, 2020
Hottest Trends & Technologies in Banking
JP Nicols, Jason Henrichs, and Ron Shevlin dive into the five hottest technologies in banking and the trends that leaders in the financial industry will have to navigate.
Feb 21, 2020
Digital Onboarding Goes Mainstream
In this week's episode Hosts Ron Shevlin and Brett King talk to the American Banker's Association and their endorsed solution provider Zenmonics about the pressure for US community banks to get onboard with digital onboarding. We learn about how the ABA needed to create a special RFP process and team to streamline vendor selection for community banks, and we talk to People's United Bank about their recent adoption of the technology to enable mobile account opening.
Feb 10, 2020
Relationship Finance
Brett King is joined by Tim Dean of Credi to talk loans between friends and family! Then we go to Paris FinTech Forum to talk to Forum founder Laurent Nizri.
Feb 10, 2020
(Financially) Healthy, Wealthy, and Wise
Jason Henrichs and Jane Barratt host Warren Hogarth of Empower and Brian Martucci of Money Crashers. They talk about all things financial health!
Feb 10, 2020
Innovation Around the World
As Jim Marous reports in The Financial Brand, the Future of Banking Has Arrived, as he and Brett King check in from their whirlwind tour of Shenzhen, China. Meaghan Johnson from the Breaking Banks Europe team joins to talk about the latest from Europe, what’s happening in the UK and Europe; and what fintech innovation looks like post-Brexit.
Feb 10, 2020
Challenges and Opportunities in the New Decade
This week JP Nicols kicks off 2020 with a look back at a couple of our favorite segments from 2019 that are highly relevant as we wrap up the holiday season and start a whole new decade. First, we revisit our conversation with Jennifer Tescher, CEO of the Financial Health Network on their research and work on financial health and wellness. Then we talk with Richard Turrin, author of Innovation Lab Excellence about what organizations need to do to get real value out of their innovation efforts.
Feb 10, 2020
A Decade of Fintech
EP. 318 A Decade of Fintech (12/26) Brett King hosts our end of the year / Christmas special with Theodora Lau, Penny Crosman, Jim Marous, Ron Shevlin, and David Birch, discussing how #fintech has evolved over the past decade!
Dec 27, 2019
The Decade’s Biggest Innovations
EP. 317 The Decade's Biggest Innovations (12/19) In this show leading up to the close of the decade, Brett King and John Best host Singularity University's Will Weisman, talking the most disruptive tech of the last 10 years. Then, Brett sits down with Parag Khanna, Managing Partner of FutureMap, talking geo-technology, apps, regulatory framing, and the future of our interconnected world. What do you think was the most disruptive, important technology of the 2010s? Join us for a decade of disruption!
Dec 20, 2019
Augmented Reality Meets Voice First
EP. 316 Augmented Reality Meets Voice First (Aired 12/12) Brett King hosts the legendary duo Brian Roemmele and Robert Scoble for an epic discussion on Spatial Computing, AI, Augmented Reality, VoiceFirst and image recognition, and how emerging tech is bringing next-gen consumer smart gadgets to a whole new level. This is one show you won’t want to miss as we peer into the near future and realize just how close to sci-fi our reality is about to get
Dec 14, 2019
Frictionless Digital Transformation
Frictionless Digital Transformation by Breaking Banks - The #1 Global Fintech Podcast
Dec 06, 2019
On The Frontlines of Disruptive Finserv
EP.314 On The Frontlines of Disruptive #Finserv(Aired 11/21) JP Nicols hosts Andy Rachleff, Founder and CEO, Wealthfront, talking nextgen banking and #fintech disruption and innovation in #FinancialServices. Then, Jason Barsema, Co-Founder and President, Halo Investing, Inc. talks the future of #roboadvisors and a different approach. Disclaimer: Halo Investing is a technology provider affiliated with Halo Sentinus Securities LLC. The podcast nor its content is not to be considered as investment advice, solicitation, or endorsement of suitability of any product or strategy.
Nov 22, 2019
Network Learning
PODCAST #313 - Network Learning (Aired 11/14) Jason Henrichs hosts Dara Tarkowski, Breaking Banks contributor and host of the new Tech on Reg podcast, about the need for a new breed of innovation lawyer. Then, JP Nicols is joined by Greg Palmer, host of the new Finovate podcast, to talk about what fintech startups can learn from the Finovate stage.
Nov 15, 2019
The World’s Digital Bank
PODCAST #312 The World’s Digital Bank (Aired 11/7) Brett King hosts Alissa Knight, author of #Hacking Connected Cars, and the Senior #CyberSecurity Analyst for Aite group. Then, we’re joined by Henry Ma, CIO and Co-Founder of #WeBank, the largest challenger bank in the world, talking their path to nearly 180 million customers and how they've worked to reinvent #FinancialInclusion in #China.
Nov 08, 2019
Uber Money Arrives
PODCAST #311 - Uber Money Arrives (Aired 10/31) Brett King gets an exclusive interview from long time payments guru Peter Hazlehurst, global lead for Uber Money and Payments. We discuss what led to the launch of Uber money and where they go from here. Then, Jason Henrichs hosts James Burdine, CMO at Larky, a loyalty and engagement program, sharing how to use fintech to build your brand. #BreakingBanks #Fintech #Podcast #Business #Radio
Nov 01, 2019
Is The Fad Over?
PODCAST #310 Is The Fad Over? (Airs 10/24 @ 3PM ET) Frequent contributor Ron Shevlin recently wrote in Forbes that ‘The Fad is Over for Bank/Fintech Partnerships.' Hosts JP Nicols and Jason Henrichs take a deeper look into why that is, what needs to be done, and what the future might look like. Then Adwait Joshi, CEO of DataSeers talks about the challenges of extracting data from multiple siloes and providers, and what banks can do besides just throwing money at the problem. We’ll also dive into a surprising and important problem that the company is using data to solve. #BreakingBanks #Fintech #Podcast #Business #Radio
Oct 24, 2019
The Libra Meltdown
PODCAST #309 The Libra Meltdown (Aired 10/17) What will #Libra need to do next to have a chance of getting back on track? Find out as we follow up on our previous episode Facebook Bets On Libra #294, Brett King hosts Brian Roemmele and Ajit Tripathi, who had previously predicted Libra’s demise, along with Capgemini’s Global Head of Banking and Capital Markets Sankar Krishnan. #BreakingBanks #Fintech #Podcast #Business #Radio
Oct 18, 2019
Advocating For Customers
Ep. #308 Advocating for customers (Aired 10/10) At #Sibos in London, Brett King hosts Bianca Lopes, Talle and Yuval Rooz, Digital Asset. Then, Jason Henrichs hosts Jane Barratt, MX.com, sharing insights from MX's #DigitalBankingWeek. #BreakingBanks #Fintech #Podcast #Business #Radio
Oct 10, 2019
AI With Hewlett Packard Enterprise
PODCAST #307 - Introducing: Tech On Reg Podcast (Aired 10/3) Hewlett Packard Enterprise joins the Breaking Banks universe today with a epic interview taped at London #Sibos with CTO and head of #AI, Dr Eng Lim Goh as they delve into how we get from computers that learn, to computers that think. Dara Tarkowski, joins to announce the brand new #TechonReg podcast from Provoke. Plus, we check in with Pieter de Villiers, sharing Clickatell's upcoming event at Money20/20 in Las Vegas. #BreakingBanks #Fintech #Podcast #Business #Radio #Money2020
Oct 03, 2019
Sibos and Finovate 2019
PODCAST #306 - Sibos and Finovate 2019 (Aired 9/26) This week, we come to you from old blighty, the city of London at the SIBOS SWIFT event of the year. We also check in with regulars Theo Lau and Brad Leimer our at Finovate. Join us as we explore the state of play of innovation in our industry.
Oct 03, 2019
SNEAK PEEK: Innotribe at SIBOS
We bring you this special episode of Breaking Banks, interviewing Innes McLeod, head of the Innotribe initiative at #SIBOS2019. We talk Professor Brian Cox and his opening keynote, we talk the discovery zone, how Fintechs have shaped #Sibos this year and last minute preparations in London.
Sep 20, 2019
Digital Banking Galore
PODCAST #305 Digital Banking Galore (Aired 9/19) Brett King hosts Theo Lau on MX.com's #DigitalBankingWeek. Plus, updates from Xinja, #LHoFT #EY #Farvest, #Sibos and Finovate! Then, Jason Henrichs hosts Sue Woodward, Total Expert, discussing how #MortgageTech is staking up on #CustomerExperience. #BreakingBanks #Fintech #Podcast #Business #Radio
Sep 20, 2019
Introducing: Finovate Podcast
PODCAST #304 Introducing: Finovate Podcast (Aired 09/12) Host Jason Henrichs​ and co-host Dara Tarkowski discuss the rise of #podcasting in the #fintech community. Brian Solis​, joins to share insights from his new book #LifeScale: How To Live a More Creative, Productive, and Happy Life. In the second half, Finovate Conference Series​' Greg Palmer​ gives us a preview of the upcoming #FinovateFall conference, coming to NYC September 23-26. Plus, we close today’s show with a #BreakingBanks exclusive premiere of the all-new #FinovatePodcast!
Sep 13, 2019
Device Overload
PODCAST #303 - Device Overload (Aired 9/5) Brett King hosts Dr. Julie Albright, talking her new book Left to Their Own Devices: How Digital Natives Are Reshaping the American Dream. Then, a #VoiceFirst update with Brian, talking the #IntelligenceAmplifier and John Best, BigFintech announces CU Voice Registry. #BreakingBanks #Fintech #Podcast #Business #Radio
Sep 06, 2019