Suze Orman | Rethinking How People Save

Breaking Banks

#Tech #Breaking Banks The 1 Global Fintech

33:58

On June 25th 2025, in collaboration with Open Folk, we presented our first ever live interview event in Los Angeles. As Open Folk put it: "In These Lines is a live event where three artists each bring one song — not just to perform, but to explore. They sit down with Sofia Loporcaro, host of Before The Chorus, to talk about where the song came from, what it meant to write it, and what it still holds. Then they play it. Just the song, and the truth behind it." Find Open Folk on Instagram: @openfolkla Find Gaby on Spotify: https://open.spotify.com/artist/0K9pSmFx0kWESA9jqx8aCW?si=Wz4RUP88Qlm_RKs7QTLvWQ On Apple Music: https://music.apple.com/us/artist/gaby-moreno/472697737 Instagram: https://www.instagram.com/gaby_moreno/ Find Lily on Spotify: https://open.spotify.com/artist/0p0ksmwMDQlAM24TWKu4Ua?si=Bmdg-uIUTHu-zRUc_dqL3g On Apple Music: https://music.apple.com/us/artist/lily-kershaw/526884610 Instagram: https://www.instagram.com/lilykershaw/ Find James on Spotify: https://open.spotify.com/artist/3u50TPoLvMBXNT1KrLa3iT?si=OoLoq7ZTRZyUiytQcz0FsQ On Apple Music: https://music.apple.com/us/artist/james-spaite/905076868 Instagram: https://www.instagram.com/jamesspaite/ Subscribe: ⁠⁠⁠⁠⁠⁠⁠https://beforethechorus.bio.to/listen⁠⁠⁠⁠⁠⁠⁠ Sign up for our newsletter: ⁠⁠⁠⁠⁠⁠⁠https://www.beforethechorus.com/⁠⁠⁠⁠⁠⁠⁠ Follow on Instagram: ⁠⁠⁠⁠⁠⁠⁠@beforethechoruspodcast⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠@soundslikesofia⁠⁠⁠⁠⁠⁠⁠ About the podcast: Welcome to Before the Chorus , where we go beyond the sounds of our favourite songs to hear the stories of the artists who wrote them. Before a song is released, a record is produced, or a chorus is written, the musicians that write them think. A lot. They live. A lot. And they feel. A LOT. Hosted by award-winning interviewer Sofia Loporcaro, Before the Chorus explores the genuine human experiences behind the music. Sofia’s deep knowledge of music and personal journey with mental health help her connect with artists on a meaningful level. This is a space where fans connect with artists, and listeners from all walks of life feel seen through the stories that shape the music we love. About the host: Sofia Loporcaro is an award-winning interviewer and radio host who’s spent over 8 years helping musicians share their stories. She’s hosted shows for Amazing Radio, and Transmission Roundhouse. Now on Before the Chorus, she’s had the chance to host guests like Glass Animals, Feist, Madison Cunningham, Mick Jenkins, & Ru Paul's Drag Race winner Shea Couleé. Learn more about your ad choices. Visit megaphone.fm/adchoices…

about a year ago 32:37

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In This Episode What’s the key to financial security today? As technology and a shifting economy reshape how we save, spend, borrow, and plan for the future, mastering the art of money management is critical for achieving financial health. Listen as Jennifer Tescher, host of sister podcast Emerge Everywhere and Founder of the Financial Health Network, speaks with Suze Orman – personal finance expert, author, Emmy Award winner, and Co-Founder of workplace emergency savings platform SecureSave – about the critical role of savings and an important step companies can take to support employees’ financial success today. Dedicated to improving financial health for all, especially the most vulnerable among us, Emerge Everywhere tackles the complex issues intersecting the financial well-being of people across America while exploring how to build an inclusive economy. Listen now! Read the entire transcript here. Podcast Content: Chapter 1: Introduction and the Changing Landscape of Personal Finance (00:00) A reflection on how financial habits have evolved over the past two decades, with a focus on new tools, technology, and the challenges people face today. Chapter 2: The Disconnect Between the Economy and Everyday Americans (05:20) Suze Orman discusses the stark difference between national economic indicators and individual financial realities, emphasizing that many Americans are still struggling despite a strong stock market. Chapter 3: Lessons from the 2008 Financial Crisis and Beyond (12:10) A look back at how financial behaviors changed after the Great Recession, the long-term effects of financial fear, and how past economic crises still impact people’s financial decisions today. Chapter 4: The COVID-19 Effect: A False Sense of Security? (18:45) Examining how government stimulus during the pandemic created short-term financial stability, only for many people to fall into debt when support was removed. Chapter 5: Financial Behavior vs. Systemic Barriers (24:30) The debate between personal financial responsibility and the role of systemic challenges, including inflation, job access, and government policies in shaping financial well-being. Chapter 6: Educating the Next Generation on Money (31:15) Suze Orman raises concerns about how young people are learning about personal finance, questioning whether influencers and social media platforms are reliable sources of financial education. Chapter 7: The Importance of Emergency Savings (38:40) A deep dive into SecureSave, Suze Orman’s initiative to help employees build emergency savings, and why she believes savings—not investing—should be the foundation of financial security. Chapter 8: The Role of AI in Personal Finance (46:20) Suze speculates on the future of AI-powered financial advisors, discussing both the potential benefits and risks of AI replacing human financial guidance. Chapter 9: The Changing Face of Retirement and Aging (52:10) A discussion on financial security for aging populations, including how women often outlive their partners and the financial struggles they face later in life. Chapter 10: Closing Thoughts – Financial Security for All (58:30) Suze Orman shares her final thoughts on how individuals and businesses can take action to improve financial stability, and the need for a more holistic approach to financial education. Related Content: Episode 127 - Unconventional Saving Products Will Financial Advisers Be Replaced By Crowd, How Does Tech Change GenYs Plan Investment & Saving? Moving From Personal Financial Management To Personal Financial Performance A Penny Saved, in A Bank, Is A Penny Earned? Digital Identity- FinTech keeping ahead of fraud

100 episodes

Suze Orman | Rethinking How People Save

Breaking Banks

85 subscribers

published about a year ago

MP3•Episode home

100 episodes

#Tech #Breaking Banks The 1 Global Fintech

All episodes

1
Smarter Lending: Expanding Credit Access and Improving Risk Decisioning at Scale 49:56

17 hours ago49:56

49:56

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

1
Is Open Banking Dying—or Just Growing Up? 52:56

8 days ago52:56

52:56

In This Episode JPMorgan Chase has fired the first shot, announcing their plan to charge fintechs what some are calling exorbitant fees for access to customer data. It has the potential to shake the foundations of the open banking movement in the U.S. At the same time, the Section 1033 rule itself is under assault in the courts, and the future of consumer-driven finance hangs in the balance. In this episode, host JP Nicols is joined by two power players with a front-row seat to the action: Phil Goldfeder, CEO of the American Fintech Council, and Penny Lee, President and CEO of the Financial Technology Association. Together, they debate the billion-dollar question: Should banks control and charge for access to your data, or is true open banking the only way to foster competition and innovation? No topic is off-limits: Are “data toll roads” an overdue necessity, or just a new barrier to competition? Should financial data be as open and regulated as our power grid? Who wins and who loses among big banks, community banks, fintechs, consumers, and small business. If you care about the future of money, data, and consumer power, you can’t afford to miss this episode. Listen in for a spirited debate that could decide the next decade of financial innovation.…

1
Fintech Tribute: Her Song Lives On 43:42

15 days ago43:42

43:42

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

1
Battling Fraud in Fintech: How Banks and Fintechs can Stay Ahead 40:38

29 days ago40:38

40:38

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

1
Fintech FMK: Hot Takes on the Regulatory Wild West 41:05

5 weeks ago41:05

41:05

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

1
Breaking Borders: Africa’s Digital Leap and the Future of Global Payments 26:17

6 weeks ago26:17

26:17

This week we bring you more insights from Cape Town South Africa as we continue to explore some great startups on the African continent and beyond from Crossfin’s Circle of Fintech event. In our first segment, Brett speaks with Karl Westvig, CEO of TymeBank South Africa. Since receiving its banking license in South Africa in 2019, TymeBank has grown to 80 million customers globally, focusing on financial inclusion through accessible and frictionless banking. The expanding neobank has plans for further growth in several Asian markets. Key motivations include the immense scale of the Asian markets: the Philippines with 120 million people and Indonesia with 280 million alongside South Africa’s 60 million. These regions boast young, digitally savvy populations that are largely underserved. Tune in as Brett and Karl discuss new opportunities, TymeBank’s innovative “phygital” distribution strategy, tech stacks, Agentic AI, new products, and more Then, Brett sits down with Unitey Founder & CEO, Muzaffar “MK” Khokhar, for an engaging conversation about the payments ecosystem. Based in the UAE, Unitey’s mission is to democratize financial services and level the playing field. MK is a veteran payments ecosystem player, creating and operating payment ecosystems for central banks and governments. With Unitey, he is focused on the serenity of the ecosystem. With our current system built back in the 60s / 70s, we now have better tech for more robust payment rails. Change is happening, efficiency is coming into the system, and interoperability with other rails coming up fast with RTP, mobile money, and more. Unitey specializes in demystifying the card payment rails but has clear roadmaps focused on creating interoperability with other rails, ensuring multiple rails can actually interoperate. Want fintech & banking insights every week? Subscribe to The Provoke.fm Briefing : https://mailchi.mp/91ca869a66ec/provoke-fm-newsletter Listen and subscribe to the podcast on your favorite platform: https://provoke.fm/follow-provoke-fm/ Subscribe to our YouTube Channel: https://www.youtube.com/channel/UC-SWmY7HswQ5hI9LiIHJd7Q Follow us on LinkedIn: https://www.linkedin.com/company/10459295 Connect With Karl Westvig: https://www.linkedin.com/in/karl-westvig/ Connect with Unitey: https://www.linkedin.com/company/unitey-digital/ Connect with Brett King: https://www.linkedin.com/in/brettking/…

1
Africa’s Fintech Revolution: Mobile Money, Soft POS, and the Next Billion 34:08

7 weeks ago34:08

34:08

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

1
What if the race for the future of finance is a relay? 41:01

8 weeks ago41:01

41:01

In This Episode Traditional banks just pocketed $268 billion in profit—even with loan growth stuck in first gear—while global fintech funding barely limped past $10 billion , thanks to a single blockbuster round. This week, Theo Lau and Greg Palmer join hosts JP Nicols, Brett King, and Jason Henrichs to untangle those contradictions and ask who’s really carrying the baton in the race for the future of money. Brace yourself for a knife-fight over BaaS regulation, a land-rush toward instant payments, and an AI gold rush that could super-charge compliance… or automate you right out of a job (and maybe swipe your wallet on the way). Is a 3 % NIM so cushy that banks will never reinvent themselves? Are stablecoins the rails of autonomous finance—or just more crypto hype? Add in deep-fake demos, a no-holds-barred scorecard of today’s leaders, learners, and laggards, and stark predictions of where they’ll be tomorrow. Whether you’re sprinting on a 150-year-old balance sheet or a Series A term sheet, the finish line is the same: deliver smarter, safer money experiences—before someone else does. And whatever you do, try not to low-key suck .…

1
UK Investment Hubs & The Rise of Collaborative Fintech 38:34

9 weeks ago38:34

38:34

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

1
The Future Of Money & Machine Identity 50:20

10 weeks ago50:20

50:20

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

1
Breaking Banks’ Hot Takes, Live From The Alloy Labs Annual Member Meeting 1:00:47

11 weeks ago1:00:47

1:00:47

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

1
Killing It: Nektarios Liolios on Fintech Innovation, Entrepreneurship and Community 46:10

12 weeks ago46:10

46:10

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

1
News From The Fintech Front: AI, Stablecoin Strategy & Fintech M&A 39:09

13 weeks ago39:09

39:09

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

1
What The Future Looks Like in Finance and Fintech: Jo Ann Barefoot, Nick Hughes and Brett King Live From Virgin Unite 41:01

14 weeks ago41:01

41:01

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

1
Insider Advice From A Serial Entrepreneur, Cokie Hasiotis 35:04

15 weeks ago35:04

35:04

In This Episode Killing It is back! Jason Henrichs' series on banking and fintech entrepreneurs returns with Cokie Hasiotis In this episode of Breaking Banks, Jason Henrichs connects with Cokie, serial entrepreneur and exited founder of Twali and drippi. Cokie candidly shares her entrepreneurial journey, providing insights into the emotional challenges and tolls inherent in entrepreneurship, and the stress of pivoting business. She also reflects on how these experiences have shaped her, underscoring the significance of community, the importance of self-awareness and filtering advice from others. Tune in to hear more about identity as a founder, navigating loss, soft landings, and transitioning to new opportunities. https://www.youtube.com/watch?v=Ar6NpEoUw4Y…

Breaking Banks

1
Fintech Podcast Mashup: Breaking Banks x Fintech Daydreaming 47:30

16 weeks ago47:30

47:30

In This Episode This week on Breaking Banks, it’s a powerhouse podcast mashup you won’t want to miss. What happens when two leading voices in fintech join forces? You get a fast-paced, insight-packed conversation on the future of finance, banking innovation, and emerging technologies—recorded live in Finland. Breaking Banks host Brett King teams up with Pål Krogdahl and Ville Sointu, hosts of the Nordics’ #1 fintech podcast Fintech Daydreaming, for a high-level exploration of where the industry is headed next. In this episode, they dive into some of the most important developments shaping the future of financial services, including: *The rise of mobile money and how it's reshaping economies *The role of digital identity in secure, seamless transactions *The concept of Q-Day and its long-term implications for cybersecurity in banking *Smart contracts and business process in an autonomous algorithmic marketplace *Agentic AI, KYM (Know Your Machine) and AI in Financial Transactions, and *A sneak peek at Brett’s upcoming book, Branch Tomorrow This wide-ranging conversation serves as both a primer and a deep dive into the innovations transforming fintech right now. Whether you're tracking the next big trend or trying to stay ahead of digital disruption, this episode delivers high-value insights from three thought leaders at the forefront of change. Listen now and get future-ready! https://www.youtube.com/watch?v=f_SjmoJZlY4…

Breaking Banks

1
Foiling the Invisible Heist: The New Banking Playbook to Land and Expand Commercial Relationships through Digital Banking 47:30

17 weeks ago47:30

47:30

In This Episode There’s something happening beneath the surface of every pizza order, every childcare payment, and every invoice sent by businesses across America. A quiet revolution that most people— sometimes even business owners themselves— have barely noticed. Traditional banks are being methodically extracted from the daily financial lives of businesses, replaced by something more streamlined, more embedded, as banking becomes just another node in a business operating system. We dug into those threats last episode on “The Invisible Heist”. This week, Jorge Garcia, Founder and CEO of Linker Finance, and Samer Saab, SVP of Product for Alloy Labs, join host JP Nicols and co-host Barb MacLean as we look at some viable options for banks to foil the heist and create a competitive response. We’ll look at the surprising opportunities sitting right in front of us, and how banks are rewriting the playbook to land and expand commercial customers through digital banking. https://www.youtube.com/watch?v=cX2D6ZE2DdM…

Breaking Banks

1
The Invisible Heist: How Software Companies Are Quietly Stealing Your Commercial Relationships 42:33

18 weeks ago42:33

42:33

In This Episode Banking executives, your business customers aren’t leaving you for another bank—they’re leaving banking altogether— at least partially. For now. As a part of our “Unbreak the Bank” series we dissect the most significant existential threat to community financial institutions since the 2008 crisis: the systematic extraction of business banking services into everyday business software. Community banks are hemorrhaging 12-18% of operational deposits annually to companies that don’t even consider themselves “banks”, and they’re moving upmarket. The competitive battlefield has shifted, and “relationship banking” is not enough to compete. Customers are integrating business solutions into their daily workflow, and banks risks being shut out altogether. Discover why the future isn’t about being the best business bank – it’s about being a relevant layer in the best business experience. Fintech Takes founder Alex Johnson and Velocita founder Barb MacLean join host JP Nicols to reveal how embedded lending is systematically dismantling banking relationships as Quickbooks, Square, Toast, and others integrate financial services directly into business workflows, and explore some options for how banks can respond. https://youtu.be/FV5wUyhng6c?si=KpsHDtG0V4rRXSWt…

Breaking Banks

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Hot Takes on Banking Regulation, Standards, AI, and Fraud 36:38

20 weeks ago36:38

36:38

In This Episode Powered by U.S. Bank and recorded live at Fintech Xchange hosted by the Stena Center for Financial Technology, this episode dives into the most pressing issues shaping financial services today. In our first segment, Jason Henrichs chats with Sima Ghandi, Sr Advisor FS Vector, Co-Founder of Coalition of Financial Ecosystem Standards (CFES) and Phil Goldfeder, CEO American Fintech Council (AFC). AFC, a standards-based organization representing large financial technology (Fintech) companies and innovative banks, promotes a transparent, inclusive, and customer-centric financial system supporting innovation and access to responsible financial products. CFES is a new (2024) industry-led organization with the goal of developing standards that promote safety and soundness for non-banks participating in financial services. They cover: · The growing role of bank-fintech partnerships in innovation and growth, and expanding access to financial services.· The importance of clear risk management and compliance standards in maintaining operational and business viability in the fast-moving world of financial services Then, the conversation shifts to AI and fraud prevention as Jason speaks with John Sun, CEO of Spring Labs, and Simon Taylor, Head of Content & Strategy at Sardine. Sardine offers an AI risk platform for fraud, credit and compliance, and Spring Labs provides an AI-Native conversational intelligence platform that turns chatter into actionable insight. Together, they explore: · The future of financial services in a world increasingly reliant on automation and robots· The broader implications of AI and Generative AI in shaping the future of financial services From standards setting in banking and fintech to AI and fraud this episode delivers hot takes and expert insights on the opportunities, risks, and evolving landscape of financial technology. https://www.youtube.com/watch?v=mBdMjPG1rvE…

Breaking Banks

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Fintech Xchange ’25: Hot Takes into BaaS and the Future of Banking 52:08

21 weeks ago52:08

52:08

In This Episode This week, we bring you Part III of exclusive insights from Fintech Xchange '25 at the Stena Center for Financial Technology and the University of Utah, powered by U.S. Bank. Host Jason Henrichs engages in a dynamic discussion with Jason Mikula of Fintech Business Weekly and Chris Black, CEO & President of Thread Bank. Their conversation spans topics from Banking-as-a-Service (BaaS) and regulatory shifts under the new administration to the dual-edged nature of innovation in today's financial landscape. Chris delves into Thread Bank's unique transformation as it evolved from the historic Civis Bank—established in 1906—into a fintech-enabled community bank. In 2021, new leadership recapitalized and revitalized the institution by adopting an industrial approach to BaaS and launching Thread. Thread's goal is to deliver the unparalleled value of a community bank to individuals and businesses, leveraging intuitive technology to meet customers where they are. Maintaining two local branches, Thread is delivering on its mission of embedded banking -- deposits, loans, and payments, and exemplifies the integration of traditional banking services with modern embedded banking solutions. By transcending geographical limitations and focusing on scalable, durable models, Thread collaborates with partners to manage risks and capitalize on the strengths of partnership banking. In the second segment, University of Utah alumnus Rhett Roberts, CEO & Co-founder of LoanPro, joins "the Jasons" to discuss the evolving fintech ecosystem and APIs. Are they coming of age? Naturally they talk about cores, and how banks are in the process of conscious decoupling to build resilient infrastructures in order to weather future disruptions. Rhett shares LoanPro's journey from inception to powering some of the biggest lenders in fintech. LoanPro offers a scalable, API-first lending and credit platform that fosters innovation by streamlining origination, servicing, collections, and payments across various loan types, lines of credit, and credit cards. This narrative underscores the transformative impact of fintech solutions in modernizing financial services. Listen and watch to explore these compelling stories! https://www.youtube.com/watch?v=8RC9Gt9PodA…

Breaking Banks

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Hot Takes from Fintech Xchange: Diving Right in with U.S. Bank and Fintech Nexus 42:42

22 weeks ago42:42

42:42

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

Breaking Banks

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Digital Banks and Founders Changing the World of Banking: bunq 32:41

23 weeks ago32:41

32:41

In This Episode This week we introduce you to a series profiling the digital banks and founders that are changing the world of banking. Focused on first hand accounts from founders all over the globe, the series chronicles the NeoBanking movement from the early days though to today, documenting the players building a new category of digital banking, reshaping the digital movement. Throughout our series we look at foundation stories, challenges each had, and the regulatory approach each took -- a look at the pioneering history of the neo and challenger bank movement. In this episode, Breaking Banks host Brett King connects with bunq's Founder & CEO. Ali Niknam. bunq is based in The Netherlands, a small country doing big things. bunq, bank of The Free, offers mobile banking that makes life easy for every new chapter in one's life, and for the digital nomad in everyone. Born out of Ali's interest in creating products that people like to use, bunq began in 2012 and its mobile app came out in 2015, all with the aim to help the world forward and do banking a little differently. bunq has brought lasting change to the European banking industry. Having built a product rooted in customer needs and wants, bunq quickly scaled to become the second largest neobank in the EU. Serving digital nomads across the European Economic Area, bunq makes life easy for location-independent people and businesses starting from the way they manage money: how they spend, save, budget and invest. On a mission to build the first global neobank for digital nomads, bunq announced its bid to enter the US market (April 2023) by applying for a banking license. It's an intriguing story, not to be missed! https://youtu.be/xflfJpM60NI?si=oKMhKcL13Q_eJM9s…

Breaking Banks

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Breaking Banks at fintechXchange: Ecosystem Building & Hot Takes for 2025 57:08

24 weeks ago57:08

57:08

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

Breaking Banks

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Spotlight: Banker’s Bookshelf — Future Money 28:52

25 weeks ago28:52

28:52

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

Breaking Banks

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Banking Innovation: Journey and Insights from an Incumbent Bank 31:41

26 weeks ago31:41

31:41

In This Episode Getting digital right can be challenging for anyone --small banks, big banks, incumbents, challengers, you name it. In this episode, Brett King meets up with Akbank's Consumer Banking & Digital Solutions, EVP, Burcu Civelek Yuce to talk about Akbank and Akbank LAB, Akbank's Innovation Lab. The discussion focuses on the incumbent bank 's digital engagement and excellence in collaborating and partnering with fintechs and big tech. Turkey is the 18th largest country in the world in terms of population size, with Akbank one of the largest banks (77 years young) in Turkey. Akbank has nimbly undergone a smoothe digital transformation with the majority of its customers now coming through digital channels -- be it new customer acquisition, servicing or sales. Akbank LAB is the innovation center that coordinates Akbank’s pioneering fintech developments. Here, they study best working models and implement solutions to make the lives of Akbank's customers easier. Fintech partnership and collaboration are key components of Akbank LAB's success, with partners working hard to create value for their customers. Akbank is embracing AI with Banking IQ, hyper personalized information on customers, and is actively reskilling employees to lead the way forward. Listen to this engaging conversation to learn best practices relevant for all banks and financial institutions. For further information: akbanklab.com or akbanklab@akbanklab.com Read the entire transcript here. Related Content: Chapter 1: Introduction – The Evolution of Incumbent Banks (00:00) An introduction to the discussion on digital transformation in traditional banks. The host shares insights from a recent visit to Istanbul and the rapid changes observed in the Turkish banking sector. Chapter 2: Akbank’s Digital Transformation and Growth (05:15) EVP Bircu Sivilek shares key data on how Akbank has embraced digitalization, with significant growth in digital customer acquisition and engagement. The discussion covers the bank’s transformation into a digitally-led institution. Chapter 3: Fintech Collaboration and Open Innovation (12:40) How Akbank fosters partnerships with fintechs and big techs through Akbank Lab. The conversation explores how the bank accelerates innovation through strategic collaborations. Chapter 4: AI-Driven Personalization in Banking (19:20) A discussion on the role of artificial intelligence in banking, including how Akbank uses AI for hyper-personalized financial insights, enhancing the customer experience. Chapter 5: Supporting SMEs with Fintech Innovations (26:30) An exploration of how Akbank integrates fintech solutions to help small and medium enterprises (SMEs) manage their financial operations, including a successful partnership with a Spanish fintech. Chapter 6: The Agile Approach to Product Development (32:45) Comparing Akbank’s development process to digital-first banks like Nubank and Revolut. Insights into how Akbank has reduced time-to-market for new banking products. Chapter 7: Modernizing Banking Infrastructure for Agility (39:10) A deep dive into how Akbank rebuilt its technology stack from the ground up to support seamless fintech integrations and AI-powered banking services. Chapter 8: The Future of Banking – AI, Generative Tech, and Digital Strategy (45:50) How Akbank is positioning itself as a leader in AI-driven banking, with a focus on generative AI, customer experience, and further digital transformation in the next three to five years. Chapter 9: The Transformation of Branch Banking (52:30) How Akbank’s digital push has reshaped the role of physical branches, transitioning to a cash-light model with a stronger focus on customer advisory services. Chapter 10: The Global Perspective and Final Thoughts (58:10) Final reflections on Akbank’s innovation journey and how fintech partnerships will continue to shape the bank’s future.…

Breaking Banks

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Suze Orman | Rethinking How People Save 32:37

27 weeks ago32:37

32:37

Breaking Banks

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Will 2025 Be A Stellar Year? Top Banking and Fintech Predictions 49:25

28 weeks ago49:25

49:25

In This Episode 2024 is a wrap! Listen as industry leaders and fintech influencers share insights on the year that was before turning the lens forward to 2025. What will be hot in this new year? Back by popular demand, Breaking Banks hosts Brett King and JP Nicols assemble banking industry leaders and fintech influencers to get their takes and predictions on what 2025 has in store for the banking industry. Joining the discussion are Jim Marous (The Financial Brand, Banking Transformed), Ron Shevlin (Chief Research Officer, Cornerstone Advisors and Forbes Contributor), and Mary Wisniewski (Cornerstone Advisors, Money Isn’t Everything). Together, they explore critical topics shaping the industry, from fraud, risk, and efficiency to cutting-edge innovations like Agentic AI and LLMs, as well as developments in open banking, 1033, and the CFPB. And what about the lingering impact of the Synapse story from 2024? Will 2025 bring a reckoning, or are brighter days ahead for the industry? Tune in for a lively and engaging conversation packed with expert insights and bold predictions. Happy New Year from the team at Breaking Banks Read the entire transcript here. Podcast Content: Chapter 1: A Look Back at 2024 (00:00) The discussion opens with reflections on the major events of 2024, from economic shifts to major fintech and banking milestones. The panelists explore how the industry evolved and what lessons were learned. Chapter 2: The Fintech Reckoning and Market Optimism (07:20) The fallout from the Synapse failure and regulatory challenges dominated 2024. The discussion highlights how fintechs have adapted, and why, despite hurdles, optimism is growing for 2025. Chapter 3: The Rise of AI in Banking (15:45) AI took center stage in 2024, from fraud detection to customer service enhancements. The conversation explores how AI’s role in banking is expanding and what that means for both traditional banks and fintechs. Chapter 4: The Global Perspective on Fintech Innovation (25:10) While much of the conversation is U.S.-focused, the panel examines key developments worldwide, including digital banking growth in Latin America, China, and Africa. Chapter 5: The Future of Open Banking and Regulation (32:40) With Section 1033 and the CFPB's evolving stance, the discussion turns to the state of open banking and data ownership. What are the regulatory barriers, and how will they impact fintech innovation? Chapter 6: Agentic AI and Banking’s Next Transformation (41:00) The emergence of AI-driven financial agents is set to reshape personal finance. The panel debates how AI could soon manage customer financial lives better than traditional advisors. Chapter 7: The Fintech IPO Landscape and Market Predictions (50:30) With Klarna and Chime considering IPOs, the panel speculates on the first big fintech public offering of 2025. They also discuss when the first AI fintech unicorn might emerge. Chapter 8: The Future of Financial Services in a Digital-First World (58:10) The conversation wraps up with a bold look at how fintech, AI, and regulatory shifts will shape the financial industry. Will 2025 truly be a stellar year for banking? Related Content: Episode 529: Is 2024 the Year That BaaS Goes Boom? Episode 561: Demystifying Fintech: Insights on Banking's Future Episode 545: Buzzword Bingo Episode 560: Killing It: Ohad Samet on Reimagining Debt Collection Bank-Fintech Partnerships, Open Banking and AI...oh my! https://www.youtube.com/watch?v=yahPylU7TCw…

Breaking Banks

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Trust, Value & What It Means To Be Digital in Banking 1:06:57

31 weeks ago1:06:57

1:06:57

In This Episode Regular listeners of Breaking Banks are likely familiar with the Killing It series, hosted by Jason Henrichs and Alex Johnson, where they explore candid stories of success, failure, and the pivotal and sometimes tough decisions that drive the journey from VCs to unicorns in the high stakes world of entrepreneurship. (If you’re not, check it out!) In this episode, Brett King shifts gears with a “Starting It” theme, sitting down with industry veteran Anthony Thomson —an entrepreneur, marketer, speaker, author, and founder of Metro Bank, Atom, and 86 400. Metro Bank challenged traditional banking in the UK, while Atom and 86 400 brought innovation as neo-banks in different markets, with 86 400 later acquired by NAB (National Australia Bank) and then merged into UBank. Join this enlightening discussion as Brett and Anthony dive into the unique missions and lessons behind each of these groundbreaking ventures. And who knows? You might even get a sneak peek at the next big breakthrough in the industry! Read the entire transcript here. Podcast Content: Chapter 1: (00:00) - Introduction and Setting the Scene Brett King and Jason Henricks open the episode, reflecting on their history of exploring financial disruption. Special guest Anthony Thompson joins from Abu Dhabi, sharing memories of past debates on the future of banking. Chapter 2: (03:45) - The Genesis of Metro Bank Anthony recounts his journey from marketing in financial services to founding Metro Bank. The discussion highlights how Metro Bank disrupted traditional banking by focusing on customer-centric value and trust. Chapter 3: (12:30) - Cognitive vs. Associative Trust in Banking The hosts and guest delve into the dual dimensions of trust: competence versus intent. Anthony explains how Metro Bank leveraged customer-centric policies, like dog-friendly branches, to foster associative trust. Chapter 4: (20:15) - The Shift to Digital Banking Anthony reflects on the rise of digital banking, including his transition to founding Atom Bank. The conversation examines how mobile banking became the cornerstone of modern financial services. Chapter 5: (28:50) - Building Atom Bank The discussion explores Atom Bank’s founding principles, focusing on delivering a superior mobile experience and balancing liabilities with assets. Anthony contrasts Atom’s approach with competitors like Monzo and Starling. Chapter 6: (40:00) - Lessons Learned and 86 400 Anthony describes his move to Australia to establish 86 400. He shares how lessons from Atom influenced his strategy, particularly the importance of engagement and transaction accounts. Chapter 7: (51:30) - Challenges in Traditional Banking Transformation The conversation shifts to why traditional banks struggle with digital transformation. Anthony and Brett critique cultural and regulatory hurdles faced by legacy institutions. Chapter 8: (58:10) - The Role of Regulators in a Digital World Anthony discusses how regulators worldwide are adapting to digital banking innovations, emphasizing the importance of competition and better consumer outcomes. Chapter 9: (1:06:20) - Reflections and Future of Banking Anthony shares his hopes for the future of banking, emphasizing customer-centricity as the industry’s ultimate goal. Brett and Anthony speculate on the next breakthrough, pointing to adjacencies and AI in banking. Chapter 10: (1:12:50) - Closing Thoughts and Takeaways The hosts summarize the key themes of the episode, including trust, customer value, and the evolution of banking. They close with a call to action for listeners to engage with the podcast and its community. Related Content: Big And Small Preparing For Shifting Generational Expectations Episode 17: You can bank on it: trust and winning customers from incumbent banks Episode 550: Cease and Desist Build The Necessary And Useful ...…

Breaking Banks

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Reimagining Digital Banking: Varo Bank’s Vision for Financial Inclusion 40:18

32 weeks ago40:18

40:18

This week, host Brett King sits down with Colin Walsh, Founder and CEO of Varo Bank, to explore the journey of building the first all-digital, FDIC-insured de novo bank in U.S. history. Designed to improve financial health and serve a diverse range of customers—from those with financial abundance to those facing economic hardship—Varo Bank is on a mission to create a banking experience that truly works for everyone. With the unique distinction of being the first consumer fintech to be granted a bank charter in US history, Varo is redefining banking with innovative products tailored to modern consumers' needs. From managing fraud and credit risk to building trust and leveraging a cutting-edge tech stack, they delve into the strategies that power Varo’s ability to stay agile and customer-focused. Whether it’s delivering accessible savings and lending solutions or tackling the challenges of financial inclusion, Varo Bank’s story is one of innovation and impact. Tune in for a wide-ranging discussion on how Varo is using digital banking to create financial inclusion by addressing the real financial challenges that Americans face every day. Read the entire transcript here. Podcast Content: Chapter 1: (00:00) - Introduction and Varo Bank's Unique Path Brett King introduces the episode and welcomes Colin Walsh, founder and CEO of Varo Bank, to discuss their journey as the first pure-play digital bank with a de novo charter. Chapter 2: (04:15) - Navigating Industry Challenges Colin reflects on the pandemic's impact, funding market changes, and navigating regulatory challenges while focusing on profitability and customer-centric innovation. Chapter 3: (10:45) - The De Novo Advantage A discussion on Varo's strategic decision to pursue a de novo national bank charter, contrasting it with fintech sponsorship models and highlighting its benefits. Chapter 4: (16:30) - Building a Competitive Tech Stack Colin details Varo’s proprietary technology investments, including AI, machine learning, and the migration to React Native, ensuring agility and innovation in product offerings. Chapter 5: (24:50) - Lending Innovation and Financial Inclusion Varo's approach to cash-flow-based lending and leveraging technology to responsibly serve non-prime, paycheck-to-paycheck consumers is explored in depth. Chapter 6: (32:10) - Tackling Fraud with Technology The team discusses how Varo combats sophisticated fraud through advanced tech and the advantages of being a technology-first bank in risk management. Chapter 7: (37:40) - Scaling with Discipline A look at Varo’s approach to disciplined customer acquisition, organic growth, and creating high lifetime value customers through deep engagement. Chapter 8: (44:00) - The Future of Financial Inclusion Colin explains Varo’s mission to become a financial operating system for underserved Americans and discusses innovations like embedded financial tools. Chapter 9: (50:30) - IPO Plans and Market Consolidation The conversation shifts to Varo’s long-term goals, including profitability milestones, potential IPO timelines, and strategic opportunities in a consolidating market. Chapter 10: (58:15) - Looking Ahead Colin previews upcoming initiatives, including a new app launch and partnerships, and emphasizes Varo’s role in addressing financial stress for customers. Related Content: Special Episode: Navigating the Crisis Episode 553: The Secret of NIM Episode 560: Killing It: Ohad Samet on Reimagining Debt Collection Huawei Does Gen-Fi A Digital Banking Revolution in SEA: GXBank and Mastercard https://www.youtube.com/watch?v=1lIqYB3d4IY…

Breaking Banks

1
A Digital Banking Revolution in SEA: GXBank and Mastercard 35:19

33 weeks ago35:19