Banking on Information

Rutger van Faassen
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Banking on Information dives into the fast-evolving world of financial services and technology. Host Rutger van Faassen interviews trailblazers in fintech, AI, lending, and customer-centric banking, uncovering how innovation, data, and new strategies are shaping the future of finance. Each episode explores the “why, what, and how” behind industry solutions, offering practical insights and bold visions that prepare listeners for tomorrow’s opportunities. Tune in for thought-provoking conversations that reveal what’s next in banking and how to get ready for it.

  1. Democratizing Finance: How AI and Stablecoins Could Transform Financial Access​

    11/17/2025

    Democratizing Finance: How AI and Stablecoins Could Transform Financial Access​

    Trevor Tanifum, Managing Principal at FS Vector, discusses his journey from law to fintech consulting, driven by a passion for service and democratizing financial access. He explores accelerating fintech product launches, the future role of agentic AI and stablecoins, and the critical importance of financial literacy in an increasingly accessible financial landscape.​ Seven takeaways FS Vector specializes in helping fintech companies navigate bank partnerships and regulatory requirements to accelerate time-to-market, directly extending startup runway and improving survival rates.​Trevor's motivation stems from his parents' careers in public service, with his father working for the UN and mother in public health, inspiring his desire to serve through democratizing financial access.​The primary value proposition is operationalizing compliance documents into actionable workflows, transforming strategy into executable daily tasks that get products into consumers' hands faster.​In 10 years, agentic AI could drive down service costs dramatically enough to make financial products accessible to previously underserved populations, achieving true financial democratization.​Stablecoins will likely become the dominant method for B2B treasury management and international payments within the next decade, representing the most probable near-term transformation.​Financial literacy education must scale alongside product accessibility, with thoughtful in-app design featuring embedded educational prompts to help users understand risks like margin loans.​Kid-friendly versions of financial apps with limited functionality could teach young people money management early, creating more financially responsible adults and building interest in financial wellnessFinTech, financial services, FS Vector, Trevor Tanifum, financial literacy, go-to-market strategy, future of finance, stablecoins, AI in finance, democratization of finance Chapters 00:00 Introduction to Trevor Tanifum 03:02 The Role of FS Vector in FinTech 07:25 Futures Thinking: The Next Decade in FinTech 10:19 Preparing for the Future: Financial Literacy and Education Please note: The final episodes were recorded before I began my new professional role. As always, every view expressed in the podcast is my own and does not reflect those of my new employer.

    14 min
  2. Building Your Brand: The Future-Proof Path for Mortgage Professionals with Dustin Owen

    11/17/2025

    Building Your Brand: The Future-Proof Path for Mortgage Professionals with Dustin Owen

    Dustin Owen, host of The Loan Officer Podcast and CEO of TLOPS Originator Coaching, joins Banking on Information to discuss why he’s passionate about mortgage coaching, the future of the mortgage industry, and how developing a strong personal brand will be critical for success in an increasingly tech-driven landscape. Seven takeaways Dustin Owen built his career out of a passion for personal finance and a desire to help others become financially empowered through mortgages and coaching.He emphasizes that having the right coach can significantly shorten the learning curve and boost both confidence and financial performance for mortgage professionals.His coaching focuses not only on mortgage technicalities but on entrepreneurship, marketing, and sales—the areas often neglected in standard training.Owen recounts success stories where clients saw substantial career growth and increased income, attributing this to reduced fear, clearer direction, and better business tactics.He predicts a drastically changed mortgage industry by 2035, with professionals handling higher volumes through technology but earning less per transaction, making personal branding critical.Technology will automate many tasks, but those who become trusted advisors and information sources will remain indispensable, especially for complex cases.Owen urges today’s loan officers to invest in their network and personal brand to stay relevant as the industry evolves, echoing the mantra: “Your net worth is the sum of your network.”Key Words: Mortgage industry, Coaching, Personal brand, Loan officers, Technology, Networking, Career fulfillment, Future thinking, Success strategies Chapters 01:52 Dustin Owen's Journey in the Mortgage Industry 05:10 The Importance of Coaching in Mortgage Originating 09:10 Client Success Stories and Career Fulfillment 10:55 Future of the Mortgage Industry: A 2035 Vision 17:08 Preparing for the Future: Building Your Personal Brand Please note: The final episodes were recorded before I began my new professional role. As always, every view expressed in the podcast is my own and does not reflect those of my new employer.

    18 min
  3. Curiosity as Currency: DJ Peterson on Shaping Global Leadership​

    11/17/2025

    Curiosity as Currency: DJ Peterson on Shaping Global Leadership​

    DJ Peterson shares insights on the importance of curiosity, independent thinking, and political context for global executives, emphasizing the real-time challenges in navigating today’s rapidly changing world and how trusted advisory can shape impactful leadership decisions. Key Words: Curiosity, Independent thinking, Political context, Global business, Trusted advisor, Futures thinking, Economic policy Seven takeaways Curiosity and independent research drive DJ Peterson’s approach to global advisory.Business leaders benefit from understanding political and social factors affecting their operations.The ability to offer independent advice is essential for executives who feel isolated at the top.Global CEOs require real-time, context-driven viewpoints for impactful decision-making.A trusted advisor challenges and organizes ideas, boosting leaders' confidence and storytelling.Navigating political and economic shifts requires broad horizons and scenario planning.Preparing for the future means continually expanding one's perspective and welcoming robust challenges.Chapters 00:00 Introduction to DJ Peterson and His Work 03:02 The Role of a Knowledge Coach 06:01 Feedback from Global Leaders 08:48 Futures Thinking and Its Importance 11:58 Navigating the Future with AI and Data 14:58 Preparing for the Future: Expanding Horizons Please note: The final episodes were recorded before I began my new professional role. As always, every view expressed in the podcast is my own and does not reflect those of my new employer.

    16 min
  4. Banking’s Trusted Vault: ASA’s Path to Private, Frictionless Finance​

    11/16/2025

    Banking’s Trusted Vault: ASA’s Path to Private, Frictionless Finance​

    ASA’s CEO Landon Glenn shares how an embedded “app inside the bank app” unifies consumers’ financial lives, enabling private, secure connections to fintech tools and a KYC-backed, anonymous future of one‑click commerce. He details early rollouts with credit unions and why collaborative banking can outpace big tech.​ Keywords: embedded finance​, collaborative banking​, ASA vault​, credit unions​, privacy and security​, KYC-backed identity​, one-click commerce​, fintech marketplace​, Synapse fallout context​, financial literacy (Banzai)​ Seven takeaways ASA embeds an “app inside the bank app” to aggregate accounts, apps, and cards in a private, secure vault.​The model creates an in‑app fintech marketplace, reducing friction versus standalone signups and open banking data sharing.​Collaborative banking aligns banks, fintechs, and consumers: better engagement for FIs, distribution for fintechs, and privacy for users.​ASA’s approach keeps money and credentials with the FI, addressing risks highlighted by recent BaaS collapses like Synapse.​Glenn envisions 2035 logins powered by bank KYC for anonymous, zero‑knowledge, tokenized commerce and faster lending.​Early traction includes enterprise partnerships to reach hundreds of credit unions and millions of users via app updates.​Glenn’s Banzai background grounds ASA’s mission in consumer empowerment and financial literacy at national scale.​Chapters 00:00 Empowering Financial Lives 02:44 The Role of Embedded Finance 05:49 Future of Banking: A Vision for 2035 08:37 Accelerating Change in Financial Technology This episode was recorded before Rutger van Faassen joint his current role at Pismo and represent his own opinions.

    15 min
  5. Innovating Mortgage Technology: Flexible Decisioning for Every Loan Type

    10/06/2025

    Innovating Mortgage Technology: Flexible Decisioning for Every Loan Type

    Derek Long, COO of LoanPASS, discusses revolutionizing mortgage technology with flexible decisioning engines that handle everything from reverse mortgages to construction loans. He shares his 33-year innovation journey, unique use cases like FICO's 10T score integration, and his vision for AI-enhanced lending across all financial products. 7 Key Takeaways LoanPASS enables lenders to configure custom lending products without engineering involvement, reducing implementation time from months to minutes for pricing changes.The platform supports non-traditional mortgage products including reverse mortgages, construction loans, and non-QM lending with side-by-side comparison capabilities.LoanPASS became the first pricing engine capable of ingesting FICO's new 10T score and demonstrating it alongside classic scores at industry conferences.Derek Long emphasizes that AI should enhance data gathering and analysis but cannot make final lending decisions, requiring smart decisioning systems to maintain compliance.The vision for LoanPASS extends beyond mortgages to become a universal automated underwriting system for all lending products including auto, business, and personal loans.Client testimonials highlight LoanPASS as "the best tech company" partners have worked with, emphasizing both software capability and exceptional team support.The mortgage industry needs technology that reduces costs and improves efficiency, not just changes for the sake of innovation.Keywords LoanPASSMortgage InnovationProduct Pricing EngineDerek LongAutomated Underwriting SystemReverse MortgagesNon-QM LendingAI in LendingFlexible DecisioningConstruction LoansFICO 10T ScoreBanking TechnologyChapters 00:00 Introduction to Innovation in Mortgages 01:10 Use Cases of LoanPass 04:43 Customer Experiences and Feedback 05:55 Futures Thinking: The Next Decade in Mortgages 08:42 The Role of AI in Mortgage Lending 10:30 Preparing for the Future of Lending

    13 min
  6. The $300 Billion Embedded Finance Revolution: AI, Payments, and Strategic Growth

    09/29/2025

    The $300 Billion Embedded Finance Revolution: AI, Payments, and Strategic Growth

    David Chung, Partner at Simon Kucher, explores the $300 billion embedded finance opportunity, discussing three key market trends driving growth. He shares insights on revenue acceleration strategies for financial institutions, fintechs, and software providers while examining AI's transformative impact on the industry's future. Key Takeaways Embedded finance represents a $300 billion revenue opportunity with over 20% CAGR growth driven by convergence of payments and softwareThree primary trends fuel growth: payments-software convergence, merchant demand for all-in-one solutions, and customer expectations for frictionless experiencesRevenue acceleration can be realized quickly - some clients see ROI within months through strategic pricing and positioning optimizationsPayment processing will become commoditized within 10 years, requiring differentiation through customer experience, features, and white-glove serviceAI will disrupt front, middle, and back office operations, requiring holistic organizational strategy beyond narrow functional applicationsFinancial institutions must develop comprehensive AI strategies now, considering scenarios for business restructuring and resource reallocationSuccess requires understanding where AI capabilities integrate within business operations to impact overall strategy and resourcing decisionsKey Words Embedded Finance, Payments Revolution, Revenue Acceleration, Simon Kucher, Financial Services Strategy, AI Transformation, Go-to-Market Strategy, Business Banking, Fintech Innovation, Future Planning, Commercial Strategy, Value Proposition Chapters 00:00 Introduction to David Chung and His WHY 01:10 Understanding Client Needs and Problem Solving 02:17 Trends in Embedded Finance and Payments 04:15 Engagement Strategies for Client Value 05:53 Accelerating Revenue in Financial Services 07:50 Future of Financial Services: A 10-Year Outlook 09:18 The Role of AI in Financial Services 10:59 Preparing for Future Changes in Financial Services

    12 min
  7. Empowering Credit: AI, Agents & the Future of Financial Access

    09/22/2025

    Empowering Credit: AI, Agents & the Future of Financial Access

    Clint Lotz, founder of Trackstar AI, discusses using AI to identify credit report errors and democratize financial access. From growing up below the poverty line to creating technology that helps underbanked communities, Clint shares his vision for proactive credit monitoring and hyper-personalized financial services. Key Takeaways Credit report errors can cause 60-100 point score differences, making error detection crucial for financial healthTrackstar AI uses nearly two decades of proprietary dispute outcome data to identify credit report errors in real-timeProactive credit monitoring at the point of score checking is more effective than reactive repairs during loan applicationsGrowing up below the poverty line motivated Clint to democratize credit access through technology solutionsB2B2C partnerships with banks showed 160% engagement increases when AI-powered credit error detection was offeredThe future of financial services will feature hyper-personalization and agentic AI handling individual financial tasksCommunity banks and fintech partnerships will drive innovation faster than internal development at large institutionsKey Words: Credit reporting, Financial literacy, AI technology, Consumer empowerment, Credit management, Financial services, Predictive analytics, Hyper-personalization, Fintech innovation, Agentic AI Chapters 00:00 Introduction to Clint Lotz and His Journey 02:15 Leveraging Technology for Financial Empowerment 05:33 Consumer Impact and Feedback on Credit Solutions 07:48 Futures Thinking: The Future of Credit Reporting 10:50 The Role of AI in Personal Finance 13:19 Preparing for the Future of Financial Services

    15 min
  8. Pricing, Data, and the Future of Insurance: A Conversation with Michael Nadel

    09/15/2025

    Pricing, Data, and the Future of Insurance: A Conversation with Michael Nadel

    In this episode of Banking on Information, Rutger van Faassen interviews Michael Nadel, a partner at Simon Kucher and head of the North American Insurance Practice. They discuss the critical role of insurance in enabling businesses and individuals to take risks, the challenges faced by both insurance companies and InsureTechs, and the importance of pricing strategies. Michael shares insights on how advancements in AI and technology will shape the future of the insurance industry, emphasizing the need for companies to focus on proprietary data as a valuable asset. Takeaways Insurance enables individuals to take risks and start businesses.Consulting allows for impactful changes in the insurance sector.Different strategies are needed for carriers and InsureTechs.Pricing strategy is crucial for revenue generation.AI advancements will shift the focus from individuals to vehicles in insurance.Data insights will become more valuable than traditional software applications.Companies should focus on acquiring proprietary data sets.The insurance landscape will evolve with autonomous vehicles.User-driven insights will redefine software applications.Preparing for the future involves understanding data as a key asset.Key Words: Insurance, Consulting, Monetization, InsureTech, Pricing Strategy, AI, Proprietary Data Chapters 00:00 Introduction to the Insurance Landscape 01:55 Challenges in the Insurance Ecosystem 04:28 Delivering Value to Clients 08:37 Futures Thinking: The Future of Insurance 12:27 Preparing for the Future of Insurance

    15 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

Banking on Information dives into the fast-evolving world of financial services and technology. Host Rutger van Faassen interviews trailblazers in fintech, AI, lending, and customer-centric banking, uncovering how innovation, data, and new strategies are shaping the future of finance. Each episode explores the “why, what, and how” behind industry solutions, offering practical insights and bold visions that prepare listeners for tomorrow’s opportunities. Tune in for thought-provoking conversations that reveal what’s next in banking and how to get ready for it.

Information

  • Creator
    Rutger van Faassen
  • Years Active
    2024 - 2025
  • Episodes
    64
  • Rating
    Clean
  • Copyright
    © 2025 Banking on Information
  • Show Website
    Banking on Information