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.

3 小時前

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 分鐘
1月15日

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 分鐘
1月9日

Patterns of Success in Fintech: Leda Glyptis on Leading Through Digital Chaos

In This Episode This week on Breaking Banks, we spotlight our sister podcast, The Bankers’ Bookshelf, hosted by Paolo Sironi. In this episode, Paolo sits down with frequent Breaking Banks guest Leda Glyptis to discuss her book, “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation”. Drawing from candid interviews with leading entrepreneurs, Leda moves past the typical success stories to uncover the raw realities of building groundbreaking ventures. She offers an honest exploration of digital transformation, including the lessons learned, inevitable mistakes, course-corrections, and the personal and professional growth required to lead through the messiness of digital change. Leading fintech transformation demands more than sheer resilience: it’s about wielding control amid chaos, maintaining consistency and integrity, and standing firm, whether solo or with a team. This conversation is essential for anyone navigating the complexities of fintech transformation. Listen now!

32 分鐘
2025/12/18

Breaking Banks: The Holiday Movie Edition

In This Episode What’s your favorite holiday movie? It’s a Wonderful Life? Miracle on 34th Street? Scrooged? Plot twist (literally): These are all banking movies. This week on Breaking Banks hosts Jason Henrichs and JP Nicols invite you to an Alloy Labs virtual holiday gathering. Joined by Amber Frye, Pam Kaur, and Samer Saab, they share favorite holiday movies with good cheer and a twist — the need to tie the cinematic selections back to banking and fintech. Tie back to banking and fintech, you say? Think fraud, legal contracts, loan workouts, wealth management, alternative investments, identity theft — you get the picture! It’s a lively and animated conversation. No spoiler alerts, so let’s get this party started … listen and watch now!! It’s not too late to check out some of the favorite recommendations and to let us know if you agree with their takes, or have suggestions of your own. We’re listening!!

37 分鐘
2025/12/11

Tom Sosnoff’s Fintech Innovation Aiming to Fix Compensation Inequity

In This Episode What if someone told you you’ve been underpaid by more than two million dollars across your career? In this episode, Jason Henrichs speaks with fintech entrepreneur Tom Sosnoff. You may know Tom from founding thinkorswim and tastytrade, two billion-dollar exits that transformed retail investing. His newest venture, Lossdog, launching this month, focuses onsalary transparency. Traditional compensation platforms rely on legacy salary benchmarks and anonymous, unverified self-reports that create wide ranges. Lossdog’s approach to compensation data is one that uses AI and verified data sources to deliver personalized valuations rather than vague, crowdsourced ranges. Think of it as whole-person valuation meets Machine Learning — a worth engine combined with AI onboarding surfacing overlooked value in resumes, including skills, certifications, pivots, and even career gaps. It’s all about fair value and knowing your worth! Lossdog aims to give individuals institutional-grade tools to negotiate salary on equal footing with employers by generating accurate compensation valuations. Listen, share, and subscribe for more weekly fintech insights from Breaking Banks.

46 分鐘
2025/12/04

Inside Gaza: Arwa Damon on Crisis, Resilience, and Access

In This Episode This week, Breaking Banks offers a human interest story from Brett’s conference travels. Listen as Brett connects with Arwa Damon, former CNN reporter based in Istanbul, and current President and Founder of INARA, an NGO working in Palestine. INARA, International Network for Aid, Relief and Assistance, is a humanitarian organization providing rapid response and treatment to refugee children, its mission to ensure every child has the agency to create a dignified life. Arwa provides a first-hand look at the humanitarian crisis in Gaza and discusses how it impacts the basic needs and access to financial services for people living there.

28 分鐘
2025/11/27

Navigating the Evolving Landscape of Banking in the AI Era: What Every Institution Must Know

In This Episode In this episode of Breaking Banks, hosts Jason Henrichs, Brett King and JP Nicols delve into the transformative impact of AI and technology on the banking industry, and share insights on what institutions must do to not only survive, but thrive as AI rewrites playbooks. The conversation covers the role of stablecoins, agentic AI, the future of smart contracts, smarter digital infrastructure, and how accelerated innovation cycles are reshaping the global financial system. They explore the structural changes they see coming and the potential of AI in automating cross-border transactions and business banking platforms, while discussing challenges and opportunities for larger and smaller banks in adapting to new systems of trade. How best for bankers to get ready for this transition? All banks, regardless of size, need to get their data house in order, ensuring better access to their data and data capabilities, and need to assess their cultural agility. The banking industry is entering a new era where data fluency, cultural adaptability and use of available AI tools and AI-driven automation will define the competitive frontier and spark innovation. As the hosts remind us, “Adapt or be left behind.” Listen now to hear how leaders across banking and fintech can navigate the shift and prepare for what comes next.

32 分鐘
2025/11/20

Celebrating 6 Years of Breaking Banks Europe

In This Episode Today, we turn the show over to our friends at Breaking Banks Europe, as we celebrate their 6th anniversary. What began as a podcast experiment has grown to over 280 episodes, more than 570 guests, thousands of listeners from every corner of the world, and countless debates. Over the past 6 years, the show has: Shaped conversations around open banking, fintech, DeFi, payments, digital innovation and every trend and highlight you can think of. Featured founders, heads of state, college students, academics, executives, regulators, dreamers, disruptors & troublemakers. Connected Europe with the Middle East, Africa, Asia, LATAM and beyond Helped spotlight voices that deserve to be heard Today we’re celebrating with a special throwback episode. Host Matteo Rizzi welcomes back Serena Torielli, CEO and founder of WealthHype, who first joined the show back in Episode 3. In this new conversation, Matteo and Serena dive into Revolut’s explosive growth in Italy, the future of private banking, and how AI, Bitcoin, and gold are reshaping investing. They also explore regulation, stablecoins, and global market shifts, with Serena sharing her optimistic view on innovation in AI, energy, and biotech as drivers of the next financial revolution.

40 分鐘

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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.