Exciting day on Breaking Banks - we have a new regular host - Amber Buker. Now if that name sounds familiar its because she works with JP and I at Alloy Labs as head of insights. Her work is phenomenal and we asked ourselves why we weren't sharing her with the world. Well now we are... in the second half of the show you'll get to hear her first episode. In the first half I talk to Joe Welu, Founder & CEO of Total Expert talk about how picking the right partner is your key to success. Actually, Joe points out that is a myth. Understanding the problems you are trying to solve and investing the energy to evolve what you offer post implementation is what differentiates a partner from a vendor.John Maxfield is a Senior Banking Specialist at The Motley Fool and Executive Director of the Wilmers Integrity Prize. In the second segment, we interviewed John about what he’s termed the fourth era of American banking, what the personal lives of the best leaders have to teach us, and what the analysts get wrong about assessing bank performance. https://www.youtube.com/watch?v=mUdQZLbzdZs

Breaking Banks Fintech

Episode 412: Now Entering: The Fourth Era of Banking

In this week’s show we talk to head of strategy at Paxos (Walter Hessert) about their newly announced collaboration with MasterCard. MasterCard is currency agnostic, but their new crypto partnership with Paxos brings crypto custody to their global platform. Raj Dhamodharan, EVP, Digital Asset/Blockchain Products & Partnerships, at MasterCard talks about their future plans for Crypto and where stablecoins and CBDCs might fit. When MasterCard joins the fray crypto is definitely going mainstream. https://youtu.be/NAUCe79cEoo

Episode 411: MasterCard goes mainstream Crypto

I'm fortunate to travel the world talking about fintech, banking, regulation and innovation. MX is one of my favorite groups to speak for and not because it usually means a trip to a Utah ski resort, but because of the energy they put into creating an agenda and curating a set of speakers that goes well beyond a trade show or user group. This year's Money Experience was no different. The theme: experiences that power how the world connects, moves, and interacts with money.I did my part to mix things up. Rather than moderating the Great Debate between Ron Shevlin and Jim Marous, the gloves came off and I get to officiate the first ever Fintech Fight Club! After this message, listen to Ron and Jim duke it out. This is just the beginning. Tweet us who you would like to see enter the ring.For more thought provoking content, stay on post-fight club for an engaging interview with Paul Taylor, Thought Machine, about latest news and core replacements here and abroad. https://youtu.be/Z2UPpdkHTPA

Episode 410: Fintech Fight Club

In this week's Breaking Banks we talk to Colin Walsh, Founder and CEO of Varo on their record breaking raise of over half a billion dollars. We also talk to Steven Walcheck, Chief Innovation Officer of FIS and the EVP behind Impact Labs about their successful incubator born during covid, along with the founder of GoCart, Ashleigh DePopas, their latest project. https://youtu.be/5UawHObcFAo

Episode 409: Impact and Innovation At Work

In this week's Breaking Banks we see Silicon Valley Bank and our old friends Plaid teaming up to try to remove some of the friction of the US ACH bank-to-bank payment rails. Joining us from Plaid are Ian Macallister, and Raja Chakravorti, and SVB's Head of Digital, Shaleen Prakash. We debate how much longer the ACH system will survive and what the smart rails of the 21st century might look like. https://www.youtube.com/watch?v=jQN2EtJ1jtU

Episode 408: Retrofitting US Payments Rails

What is small and what is big? Why do we draw lines and silos in the banking world around small businesses. Small businesses generate 44% of US economic activity, yet are often misunderstood and ping ponged between the consumer and commercial parts of the bank. This week Derik Sutton Vice President of Product and Experience at Autobooks, Allison Netzer, Chief Marketing and Strategy Officer at Nymbus and I talk about the SMB ping pong challenge. In the second half the hosts of BB get together to reflect on the changes in banking as a result of 9/11 and how CoVID might likewise change financial services regulation moving forward. https://youtu.be/BQC7NWWrJz8

Episode 407: The Small Business Ping Pong Ball

Today Brett and I talk to Nick Elders, fintech provocateur, president and co-founder of SPARK from Ignify Technologie. Spark is a social mission-driven company whose cloud-based loan origination platform helped them originate $9 billion in aggregate loan activity through over 50,000 loans in the first 2.5 months of PPP. This is not another story of a small business lending platform, however. It is about the power of purpose and the need for intentionality. Networks become powerful amplifiers - of either good or propagating old stereotypes and systemic bias.

Episode 406: The Power to Amplify

Matteo Rizzi, Executive Producer and co-host for Breaking Banks Europe talks with Neville Bourke from Futurus and Drew Graham, former Director of Digital Strategy for Barclays to explore the tensions between talent and infrastructure, and between corporate executives and entrepreneurs. From the corporate inclination to try to explain a future that is unexplainable, to how HR too often serves as a risk management function dedicated to maintaining the status quo, to some of the ways mature organizations get in their own way through policies and practices that filter out the very rebels needed to drive real change from within. Then they look into some groundbreaking models from some of the most innovative financial institutions in the world. https://youtu.be/0u7O2xfW83g

Episode 405: Driving Change Through Talent and Infrastructure

In this week's Breaking Banks we go 21st century. In the first half host Brett King interviews renowned journalist and personal finance specialist Jean Chatzky on how tech is changing the way we invest and save. Chatzky talks about HerMoney and the work she's doing to help investors of all sorts, but specifically to the underserved community of women investors. In the second half, Brett King is joined by regular Dave Birch to review the book "Crypto Wars: Faked Deaths, Missing Billions and Industry Disruption" with author Erica Stanford. We talk John McAfee, and the true crime story that is Gerry Cotten and the Canadian Exchange Quadriga. https://youtu.be/y9U__OemIXc

Episode 404: Crypto Wars meets Financial Health

In this episode we return to Nairobi, Kenya to chat with Eddie and Paul Ndichu the founders of WapiPay, a new pan-African cross-border payments startup, mainly focused on payments to and from China for now. We also get an update on how the pandemic has accelerated adoption of fintech across Africa, and we take a quick trip down memory lane to our last trip to Nairobi where Breaking Banks profiled M-Pesa. https://www.youtube.com/watch?v=s7DWmEYuaW0

Episode 403: Fintech ramping up in Kenya

Finovate is celebrating 14 years as the first conference series focused on financial & banking technology innovation, and their 100th episode on Provoke.fm. Host Greg Palmer distills the three golden rules of fintech he’s learned  from more than 2,000 demos & presentations by hundreds of companies from all over the world. https://www.youtube.com/watch?v=885zMgOYf9Q

Episode 402: The Golden Rules of Fintech

Today’s episode is a deep dive on financial empowerment at a global level. Earlier this year, Finastra commissioned a study to look at how financial institutions can help their customers transform their relationship with money. One of the unique aspects of the study is it took an ethnographic approach to understand how ordinary consumers feel about money, their dreams and concerns, and what they believe about empowerment. https://youtu.be/cBfcxQP2JxY

Episode 401: The Ergonomics of Empowerment

When Breaking Banks first aired in May of 2013 the world of fintech was much simpler. PayPal was well established in the payments space with some upstarts like Braintree and Venmo gaining traction. The rest of the fintech world was divided by lenders like Prosper and Lending Club and both pioneer neobanks Simple and Perkstreet were in the process of being sold.Since then, the diversity and depth of fintech has taken hold. As Angela Strange at a16z says - every company is a fintech of sorts.Breaking Banks also evolved, launching the Provoke Media network to address the diversity and depth of topics of relevance to the industry. Today we're featuring the latest addition to the Provoke family: the NextGen Banker. David Reiling, CEO of Sunrise Banks hosts a variety of guests to talk about what the bank and banker of the future will look like. Listen to this episode where he hosts Jo Ann Barefoot to talk about regulation.If you haven't listened to the other podcasts, go to provoke.fm right after you listen to David and Jo Ann! https://www.youtube.com/watch?v=9w2bN83qYlM

Episode 400: Building the Next Generation of Banker

Jennifer Tescher is founder and CEO of the Financial Health Network, and host of the Emerge Everywhere podcast on the Provoke.fm network. She talks with Alan Murray, CEO of Fortune Media, on the evolution of capitalism and how CEOs are finding new ways to address large global challenges that go far beyond short-term financial performance.  https://www.youtube.com/watch?v=jOS1z15A7uE

Episode 399: Beyond the Bottom Line

In this episode host Brett King tackles the complexity of how to manage data in an environment increasingly reliant on your personal information, when privacy concerns and aging identity infrastructure clash with the reality of the 21st century. Bob Legters from FIS Ethos Data Solutions Group joins to talk about how FIS is adapting to a cloud and data first architecture. Take your organization’s data to the next level and protect data wherever it is. Go from Flintstones to Jetsons in one move. https://youtu.be/kKFlfO4tiQw

Episode 398: Data Is What Data Does

Many industries have been revolutionized by technology in the last decade. Books, Music, TV, Communications, and now it's happening to our money. Fintech, or financial technologies, is the new disruption that is sweeping across the globe and dominating the tech world conversations on everything from ApplePay to new credit algorithms, and upending the access to capital. Fintech is going to give millions of people who have never had access to banking, saving, and capital, a bank account that they carry in their hands.brbr Tune into Breaking Banks with Brett King, for a look at how technology and customer behavior will bring about more changes in banking in the next 10 years, than in the last 200 years. Listen every Thursday at 3pm eastern time, noon pacific on the VoiceAmerica Business Channel. You'll never look at your bank account the same again.

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Breaking Banks Fintech

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