Breaking Banks

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.

HACE 11 H

Beyond Banking: Solving Problems, Not Offering Products

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

26 min
HACE 6 D

Fintech’s Adolescence: What’s Real, What’s Loud and What’s Next

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

43 min
26 FEB

Hot Takes: Chartering vs. Becoming a Bank: A Critical Distinction

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

17 min
19 FEB

Faster Money: What Does It Really Mean and What’s Next?

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

53 min
12 FEB

Leading Voices in Fintech: Hot Takes is Back!

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

43 min
5 FEB

Decisions > Diligence: Dynamics of Decision-Making in Banking

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

30 min
29 ENE

Are Interest Rate Caps Bad For Consumers?

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

28 min
15 ENE

Are We Done With Digital Transformation in Banking?

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

33 min

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5

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2 valoraciones

Essential to understand the future of banking

04/08/2015

@fegido

This podcast should be a mandatory subscription to all those who want to know the state of the art in the Fintech world. With its weekly program Brett allows us to discover people and initiatives that are creating disruption in the financial sector. Now in spanish :) La subscripción a este podcast es obligatoria para todos aquellos interesados en el mundo de la Banca Digital y el FIntech. Con su programa semanal Brett permite descubrir personas e iniciativas que están generando disrupción en el sector financiero. Imprescindible.

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.