Banking on Information

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 takeawaysFS 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 financeChapters00:00 Introduction to Trevor Tanifum03:02 The Role of FS Vector in FinTech07:25 Futures Thinking: The Next Decade in FinTech10:19 Preparing for the Future: Financial Literacy and EducationPlease 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.

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 takeawaysDustin 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 strategiesChapters01:52 Dustin Owen's Journey in the Mortgage Industry05:10 The Importance of Coaching in Mortgage Originating09:10 Client Success Stories and Career Fulfillment10:55 Future of the Mortgage Industry: A 2035 Vision17:08 Preparing for the Future: Building Your Personal BrandPlease 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.

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 policySeven takeawaysCuriosity 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.Chapters00:00 Introduction to DJ Peterson and His Work03:02 The Role of a Knowledge Coach06:01 Feedback from Global Leaders08:48 Futures Thinking and Its Importance11:58 Navigating the Future with AI and Data14:58 Preparing for the Future: Expanding HorizonsPlease 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.

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 takeawaysASA 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.​Chapters00:00 Empowering Financial Lives02:44 The Role of Embedded Finance05:49 Future of Banking: A Vision for 203508:37 Accelerating Change in Financial TechnologyThis episode was recorded before Rutger van Faassen joint his current role at Pismo and represent his own opinions.

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 TakeawaysLoanPASS 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.KeywordsLoanPASSMortgage InnovationProduct Pricing EngineDerek LongAutomated Underwriting SystemReverse MortgagesNon-QM LendingAI in LendingFlexible DecisioningConstruction LoansFICO 10T ScoreBanking TechnologyChapters00:00 Introduction to Innovation in Mortgages01:10 Use Cases of LoanPass04:43 Customer Experiences and Feedback05:55 Futures Thinking: The Next Decade in Mortgages08:42 The Role of AI in Mortgage Lending10:30 Preparing for the Future of Lending

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 TakeawaysEmbedded 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 WordsEmbedded 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 PropositionChapters00:00 Introduction to David Chung and His WHY01:10 Understanding Client Needs and Problem Solving02:17 Trends in Embedded Finance and Payments04:15 Engagement Strategies for Client Value05:53 Accelerating Revenue in Financial Services07:50 Future of Financial Services: A 10-Year Outlook09:18 The Role of AI in Financial Services10:59 Preparing for Future Changes in Financial Services

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 TakeawaysCredit 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 AIChapters00:00 Introduction to Clint Lotz and His Journey02:15 Leveraging Technology for Financial Empowerment05:33 Consumer Impact and Feedback on Credit Solutions07:48 Futures Thinking: The Future of Credit Reporting10:50 The Role of AI in Personal Finance13:19 Preparing for the Future of Financial Services

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.TakeawaysInsurance 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 DataChapters00:00 Introduction to the Insurance Landscape01:55 Challenges in the Insurance Ecosystem04:28 Delivering Value to Clients08:37 Futures Thinking: The Future of Insurance12:27 Preparing for the Future of Insurance

Brian McEvoy, Chief Retail Banking Officer at Webster Five, discusses how mutual banking serves communities without shareholders. He explores the balance between digital tools and human relationships, shares insights on Gen Z banking preferences, and predicts industry consolidation while emphasizing the growing importance of authentic human connections in an AI-driven future.Key Takeaways:Mutual banking model - Webster Five operates without shareholders, owned by depositors with a mission to "amplify the good in communities"Relationship-driven approach - Combines best-in-class digital tools with personalized service where customers know staff on a first-name basisGen Z banking reality - Young customers still value branch visits and human guidance, debunking myths about purely digital preferencesTrust through education - Success comes from taking time to explain banking processes rather than just completing transactionsIndustry consolidation forecast - Predicts a "David and Goliath" future with only large-scale banks and community institutions survivingAI transformation imperative - Leaders must deeply understand artificial intelligence and blockchain as they will reshape workflows and customer expectationsHuman connection paradox - Technology advancement will ironically increase demand for authentic human interactions as people struggle to distinguish real from artificialKeywords: Community Banking, Mutual Banking, Customer Relationships, Digital Transformation, Artificial Intelligence, Generational Banking Myths, Bank Consolidation, Human Connection, Financial Services, Future of Banking, Gen Z Banking, Banking InnovationChapters00:00 Introduction to Community Banking and Personal Values02:02 The Role of Community Banks in Customer Relationships05:40 Real-Life Impact: A Personal Banking Experience07:47 Future of Banking: Trends and Predictions12:15 Preparing for the Future: Education and Adaptation

Edward Woodford, CEO and Co-founder of Zerohash, discusses blockchain’s transformative potential, stablecoins, embedded finance, and the future of payments, global trade, and AI-driven agentic transactions, emphasizing usability and market expansion in financial services.TakeawaysPassion for technology drives innovation in blockchain and financial services, making complex systems accessible.Zerohash abstracts regulatory and technical challenges, simplifying integration for merchants and fintechs.Stablecoins and embedded finance create new opportunities, addressing real-time payments and global markets.24/7 instant account funding unlocks previously inaccessible global customer bases and boosts market velocity.Blockchain and stablecoins will be seamlessly integrated into everyday transactions, increasing payment frequency and efficiency.Agentic payments and AI enable programmable money and secure, automated transactions with granular controls.Education and experimentation are essential for organizations to prepare for rapid changes and stay competitive in the evolving financial landscape.Keywords: Blockchain, Stablecoins, Embedded Finance, Cross-Border Payments, Crypto Adoption, Agentic Payments, Future of FinanceChapters00:00 Introduction to ZeroHash and Edward Woodford02:10 The Power of Blockchain Technology05:53 Future of Payments and Financial Transactions10:26 AI and the Future of Finance12:12 Preparing for the Future of Finance

Jose Porfirio Sanchez-Talavera, Founder and CEO of Trafalgar discusses empowering Mexican SMEs through innovative banking, leveraging AI, and affordable legal services. He envisions a future of global, borderless banking fueled by trust, technology, and consolidation, and shares the critical challenges and opportunities for small businesses. TakeawaysTrafalgar Fintech was founded to address the unique banking needs of Mexican SMEs, often underserved by legacy banks. The company offers integrated financial solutions—credit, cash management, legal advice—tailored to small business needs, not just single products. Access to credit remains the greatest obstacle for small businesses; Trafalgar aims to make lending more inclusive and easier. AI-powered solutions are used for fraud prevention, client verification, and cashflow-based lending assessments. Success is measured by “share of wallet”—when entire companies, their clients, and employees rely on the platform’s full suite of services. Sanchez-Talavera predicts global challenger banks, industry consolidation, and blockchain-driven, borderless financial transactions within a decade. Trust and the combination of specialized services (like legal support) will be crucial for banks to compete in a rapidly evolving financial landscape. Key Words: SME finance, fintech, challenger bank, Mexico, artificial intelligence, credit access, global banking, stablecoins, trust, legal services Chapters 00:00 Empowering Small Businesses in Mexico 08:27 The Future of Banking for SMEs 11:36 Building Trust in Global Transactions

Rick Spear, Senior Partner Financial Services at Simon-Kucher, discusses value creation, the evolving roles in financial services, technological change, and preparing for uncertainty. He shares insights on innovation, the impact of AI, and why adaptability and smart decision-making are crucial for future success.TakeawaysValue creation is central to successful financial services consulting.Rick Spear’s dual experience as an operator and advisor informs his approach.The intersection of supply and demand drives strategic decisions and value optimization.Long-term industry invariants include money’s central role and high stakes.Change in financial services accelerates, especially through technology and AI.Preparing for the future involves experimentation, smart bets, and continuous learning.Legacy banking systems and products are poised for disruption and modernization. Key WordsValue creation, Financial services, Capital markets, Wealth management, Technology change, AI adoption, Strategic adviceChapters00:00 Introduction to Rick Spear and His Journey02:36 The Role of a Management Consultant05:08 Value Creation in Financial Services07:48 Future Trends in Capital Markets10:31 Preparing for Change in the Industry

Naheed Akram, founder of Karakor Consultancy, discusses her journey from banking to transformation consulting, emphasizing the critical role of bridging strategy and execution in financial services. She explores how trust, governance, and cross-functional collaboration will define success in an AI-driven banking future.Summary:Naheed thrives on big-picture, system-level problem solving.Karakor Consultancy manages holistic transformation across finance.They bridge strategy with execution as both advisors and doers.Clients appreciate their momentum and solution-oriented approach.The firm excels at early problem identification and progress under pressure.Future success in finance will depend on AI trust, governance, and teamwork.Cross-functional alignment and strong communication are essential for real results.Keywords: Financial services transformation, Regulatory compliance, AI governance, Change management, Project delivery, Cross-functional teams, Fintech scaling, Digital banking, Risk management, Strategic executionKey Takeaways:Problem-solving focus: Successful transformation requires consultants who provide solutions rather than just identifying issues, maintaining project momentum through structured deliveryHolistic transformation approach: Effective change management considers regulation, technology, and operations simultaneously rather than addressing them in silosBridge between strategy and execution: Most transformations fail at the implementation stage, requiring dedicated expertise to translate strategic vision into tangible resultsTrust as competitive advantage: In 2035, financial institutions that build robust governance, explainability, and risk management around AI will outperform those focused solely on speed of adoptionCross-functional alignment essential: Success requires IT, compliance, and business teams working in sync from project inception rather than adding compliance as an afterthoughtData quality foundation: AI implementations in financial services must prioritize data governance and quality from the start to avoid future liabilities and ensure reliable decision-makingExecution readiness over tools: The smartest leaders focus on building organizational capability to implement and scale solutions rather than just acquiring new technologyChapters00:00 Introduction to Naheed Akram and His Journey02:44 The Role of Consultancy in Transformation08:16 Future of Banking and AI Integration12:07 Preparing for the Future of Financial Services

Rogan Vleming, VP Data & Analytics at Conexus Credit Union, discusses building data maturity, AI and automation, the impact of quantum computing on banking, and preparing for a digital, agent-driven future. He emphasizes strong data governance and adapting to rapid technological change in financial services.Key Words: Data analytics, Credit Union, AI, Quantum computing, Data governance, Automation, Agentic AI, Digital transformation, Change management, Future of banking, Data maturity, Personalized pricing, Technology consolidationTakeawaysRogan leads data and analytics at Conexus Credit Union.His passion for finance started with Uncle Scrooge comics.Education in mechanical engineering shaped his analytical skills.He focuses on driving data maturity and governance.Change management is essential for successful implementation.Quantum computing poses both opportunities and challenges.The future may see agentic AI negotiating on behalf of consumers.Branches will evolve but remain important for customer trust.Consolidation in credit unions is driven by technology needs.Data quality is critical for effective AI applications. Chapters00:00 Introduction to Data and Analytics in Banking02:40 The Journey into Data and Analytics05:03 Driving Data Maturity and Change Management07:28 Future of Banking: AI and Quantum Computing09:58 Preparing for the Future of Financial Services

Founder Shawn Rolph of Copycat discusses the power of strategic narrative for B2B brands, why internal and external alignment matters, and how companies can stand out amid increasing industry noise, especially in an AI-driven future. The mission: help brands communicate their "why" with clarity and authenticity.TakeawaysCopycat helps brands tell their story effectively.Misalignment can occur both internally and externally.A strong narrative aligns all departments within a company.Understanding customer perspectives is crucial for effective storytelling.The future of business will be competitive due to democratization of tools.Brands must differentiate themselves to succeed in a crowded market.Asking 'why' can clarify a brand's unique position.The marketing landscape is becoming noisier with more startups.Effective storytelling is essential for growth and customer engagement.B2B companies often struggle with defining their unique value. Key Words: Brand Narrative, B2B Marketing, Storytelling, Alignment, Strategic Communication, Differentiation, AI in Marketing, Brand Therapy, Future of Marketing, CopyCatChapters00:00 The Purpose Behind CopyCat03:06 Understanding Misalignment in Branding05:48 The Future of Storytelling and Branding08:46 Preparing for a Competitive Future11:51 Defining Unique Value in B2B Marketing

Christoph Stegmeier, Senior Partner at Simon-Kucher, discusses the transformation of the banking sector, the rise of neobanks, the future shaped by AI and personalization, and how both new and traditional institutions must innovate to thrive in the evolving digital financial landscape.TakeawaysChristoph has 25 years of experience in the banking industry.He focuses on the rise of neobanks and their impact on traditional banks.Neobanks are growing quickly and changing the banking landscape.Consulting work involves helping both neobanks and traditional banks innovate.Growth hacking and gamification are key strategies for success.AI will be a major driver of change in banking by 2035.Personalization will be crucial for the future of banking.Traditional banks need to adopt agile practices to compete.Testing and trying new ideas is essential for innovation.The future of banking will be dominated by digital players.Key Words: Neobanks, Digital transformation, Financial services, AI in banking, Personalization, Growth hacking, Traditional banks, Innovation, Banking futures, Embedded finance, Wealth SuperApp, Gamification, Subscription models, Agility in banking, ProfitabilityChapters00:00 Introduction to Christoph Stegmaier and His Journey02:17 The Role of Neobanks in Modern Banking05:02 Consulting for Growth: Neobanks vs Traditional Banks08:01 Futures Thinking: The Future of Financial Services11:26 Preparing for a Digital Future in Banking

Jacqueline Escobar shares her journey from experiencing hyperinflation in Peru to becoming a legal consultant and advocate for neurodiverse entrepreneurs. She discusses the importance of mental health, financial inclusion, and creating founder-focused support systems that value inner balance and personal growth alongside business success.TakeawaysJacqueline's childhood experiences with hyperinflation shaped her passion for justice.She aims to help entrepreneurs who face systemic barriers.Financial services should be tools for access, not privilege.Her discovery of fintech and blockchain was transformative.ADHD impacted her professional journey and self-perception.Mental health awareness is crucial for all, not just neurodivergent individuals.Creating safe spaces for founders can enhance their productivity.The program aims to support diverse thinking and innovation.Jacqueline envisions a future where mental health is prioritized in corporations.Education about mental health and technology is essential for progress.Key Words: Neurodiversity, ADHD, Financial inclusion, Entrepreneurship, Mental health, Burnout, Legal consulting, Blockchain, Fintech, Inner power, Founder support, Personal growth, Divergent Tide, Meditation, Social justiceChapters00:00 The Journey to Justice: A Personal Story02:44 Empowering Entrepreneurs: The Role of Fintech and Blockchain05:36 Navigating Personal Challenges: ADHD and Burnout08:25 Creating Safe Spaces for Founders11:26 Envisioning a Future: Mental Health and Technology17:25 Education as a Tool for Change

Alexander Addario, Market Manager of FinTech at SVB, discusses his banking heritage, the role of venture debt in FinTech, and how SVB supports innovation. He explores the future impact of AI and crypto on financial services and urges banks to develop strategies for these transformative technologies. Key Words: FinTech, Venture Debt, SVB (Silicon Valley Bank), Financial Innovation, AI in Banking, Crypto Strategy, Banking Heritage, Warehouse Financing, Payment Solutions, Regulatory Change, Startup Ecosystem, Future of Finance, Futures Thinking TakeawaysAlexander's passion for financial services stems from his family background. SVB has been servicing the innovation economy for over 40 years. Venture debt is a flexible financing option for startups. SVB's centralized FinTech team offers a one-stop shop for various services. Customer value is demonstrated through real-world examples of support. AI and crypto are set to revolutionize financial services in the next decade. Banks need to create strategies around AI and crypto. There are low-hanging fruit use cases for AI in financial services. Financial institutions must embrace technology to stay competitive. The future of FinTech will be driven by innovation and consumer behavior. Chapters 00:00 Introduction to FinTech and Personal Journey 03:00 Understanding SVB's Role in FinTech 05:52 Venture Debt vs. Venture Capital 08:59 Customer Value and Real-World Examples 11:57 Future of FinTech: AI and Crypto 14:50 Preparing for the Future of Financial Services

Rohan Shah, Partner at Simon-Kucher discusses how data-driven, customer-first strategies are transforming financial services. He explores the shift from compliance-focused to hyper-personalized banking, the importance of embedding analytical capabilities, and how banks can future-proof themselves for a rapidly evolving, tech-driven landscape. Key Words: Financial services, Customer-centric, Data-driven, Rate management, Hyper-personalization, Banking innovation, Legacy systems, Digital transformation, Behavioral insights, Future of banking, Simon-Kucher, Analytical tools, Monetization, Compliance, Fintech Takeaways Rohan Shah has a background in computer science and operations research. He focuses on solving complex data-rich problems in financial services. The goal is to create customer-centric solutions that enhance experiences. Rohan emphasizes the importance of embedding analytical tools in client engagements. He has seen significant financial impacts from small improvements in pricing strategies. The future of banking will be hyper-personalized and embedded in daily life. Banks need to shift from compliance-first to customer-first mindsets. Legacy banks are launching new brands to compete with fintechs. A roadmap for gradual change is essential for legacy systems. Trust and transparency will be key differentiators in the future. Chapters 00:00 Introduction to Rohan Shah and His Work 02:44 The Role of Data in Financial Services 05:27 Envisioning the Future of Financial Services 07:48 Preparing for the Future of Banking 10:26 Navigating Legacy Systems in Banking

Austin Carroll, CEO of Warrant, discusses how AI-driven marketing compliance software streamlines approvals, fosters collaboration between marketing and legal teams, and prepares organizations for evolving regulations. The conversation explores the future of compliance, the impact of AI, and the importance of staying informed in a rapidly changing regulatory landscape. Takeaways - Austin Carroll aims to make marketers' lives easier through compliance software. - Warrant's primary use case is streamlining marketing compliance reviews. - The approval process for marketing materials can take weeks or months. - Warrant significantly reduces review times for marketing materials. - Compliance officers can now collaborate better with marketing teams. - A single source of truth is essential for compliance and marketing. - AI regulations will impact marketing compliance in the future. - Staying informed on regulatory changes is crucial for marketers. - Recent regulatory changes can happen quickly and unexpectedly. - Marketers should actively track regulatory developments to stay ahead. Key Words: Marketing compliance, AI, Financial services, Regulatory environment, Automation, Collaboration, Legal review, Warrant, Time savings, Future of compliance, Disclosure, SaaS, Agentic AI, Record keeping, Newsletter Chapters 00:00 Introduction to Warrant and Its Purpose 02:59 Streamlining Marketing Compliance Reviews 05:47 The Future of Banking Compliance and AI 08:58 Staying Informed on Regulatory Changes

Castleigh Johnson, CEO of My Home Pathway, joins "Banking on Information" to discuss bridging gaps in homeownership access through technology, personalized financial coaching, and risk intermediation. The episode explores solutions for underserved communities and envisions a future of equitable, efficient mortgage processes and expanded capital access that creates economic expansion that benefits everyone. Takeaways - Castleigh Johnson's background in financial services drives his mission. - There are significant gaps in access to capital for home ownership. - My Home Pathway aims to simplify the mortgage process for consumers. - The platform helps consumers build their risk profiles for better access to loans. - Home ownership is a crucial step in building wealth for families. - The future of home ownership may involve non-traditional building methods. - Blockchain technology could revolutionize the mortgage process. - Closing the home ownership gap could create significant economic equity. - Innovative solutions are needed to address the housing shortage. - Partnerships with organizations like My Home Pathway can enhance access to capital. Key Words: Homeownership, Financial inclusion, Access to capital, Mortgage process, Technology, Risk intermediation, Underserved communities, Credit improvement, Affordable housing, Financial coaching, My Home Pathway, Economic expansion, Lending criteria, Blockchain, Housing supply, Futures Thinking, Future of Lending Chapters 00:00 Introduction to My Home Pathway 02:28 The Journey to Home Ownership 05:20 Simplifying Access to Capital 10:10 Future of Home Ownership and Lending

Igor Tomych, CEO of DashDevs, shares his journey from early fascination with computers growing up in Ukraine to leading fintech innovation. He discusses the importance of education, building agile teams, and the future of seamless, personalized technology in financial services, emphasizing continuous learning and adaptability for the decade ahead.TakeawaysIgor's passion for technology began at a young age.He believes in solving complex problems through technology.DashDevs focuses on education as a core value.The company aims to deliver better budget and faster time to market for clients.Igor sees a future where technology is more personalized and seamless.He emphasizes the importance of T-shaped expertise in technology.Continuous learning is essential in the tech industry.Igor's journey reflects the evolution of fintech since 2015.He believes AI will change how we interact with technology.The future of financial services will be driven by innovation and education.Key Words: Fintech, DashDevs, Igor Tomych, Digital transformation, Financial services, Education, T-shaped experts, Open banking, Personalization, Wearable technology, Future trends, Innovation, Continuous learning, Artificial intelligence, Product development, Futures ThinkingChapters00:00 Introduction to Igor Tomic and His Journey02:47 The Fascination with Technology and Its Impact06:00 The Role of Education in Fintech09:04 Delivering Value to Financial Institutions10:57 Future of Financial Services and Technology14:55 Becoming a T-Shaped Expert for the Future

John Mitchell, CEO and co-founder of Episode Six, discusses the modernization of payment infrastructure, the challenges of legacy systems, and the future of programmable, frictionless, and real-time payments. The episode explores AI’s role in rapid product development and the need for adaptable, cloud-based financial technology.TakeawaysJohn Mitchell is driven by the challenge of building new financial payment systems.Legacy systems pose significant limitations for innovation in payments.Programmable money and interoperability are key focus areas for Episode Six.Customers value the ability to build products that meet their needs quickly.Flexibility in product development is crucial in a rapidly changing market.The future of payments will be characterized by real-time, on-demand services.Modernization of financial systems is essential for keeping pace with consumer demands.AI has the potential to streamline product design and development processes.Financial institutions face challenges in upgrading their systems effectively.The conversation highlights the importance of envisioning the future of payments.Key Words:Payment infrastructureLegacy systemsProgrammable moneyInteroperabilityCloud technologyAPIReal-time paymentsFinancial innovationAI in paymentsDigital assetsModernizationFrictionless paymentsProduct flexibilityB2B2CFuture of bankingChapters00:00 The Vision Behind Episode Six02:20 Programmable Money and Its Impact04:50 Customer-Centric Solutions in Financial Services07:03 Envisioning the Future of Payments09:49 Modernizing Financial Systems for Tomorrow11:08 The Role of AI in Payment Innovations

Jason Guss, CEO of Octane Lending, discusses empowering retailers and consumers through innovative point-of-sale financing for high-ticket purchases. He explores the future of embedded finance, the convergence of SaaS and lending, and how responsible financial products can unlock new opportunities for both retailers and buyers.Keywords: financial products, high ticket retail, point of sale financing, consumer experience, embedded finance, SaaS, lending, retail innovation, market trends, financial services Takeaways Financial products can empower consumers when offered responsibly.High ticket retail markets are often overlooked but hold great potential.Seamless consumer experiences are crucial for financial product success.Retailers benefit from offering financing solutions to their customers.Embedded finance will redefine the retail landscape in the coming years.SaaS companies should embrace balance sheet exposure for growth.Responsible lending practices are essential for consumer success.The integration of financial services into retail is the future.Retailers can achieve higher profits by owning their financing.Curiosity is key to understanding and adapting to market changes.Chapters 00:00 Unlocking Financial Power 02:42 High Ticket Retail Financing Solutions 05:46 The Future of Point of Sale Financing

Bernard Aceituno, co-founder of Stack AI, discusses the evolution of AI and how large language models are transforming industries. He explains how Stack AI enables organizations to build custom, no-code AI agents for knowledge management, data structuring, and content synthesis, making AI accessible to non-programmers. Keywords: AI, Artificial Intelligence, Stack AI, Bernard Aceituno, Large Language Models, AI Agents, No-Code AI, Knowledge Management, Data Structuring, Content Synthesis, Future of AI, Business Automation. Chapters 00:00 The Evolution of AI and Its Importance 02:23 Stack AI: Transforming Organizations with AI Agents 04:51 The Power of No-Code AI Solutions 07:30 Customer Experiences and Value of Stack AI 10:10 Envisioning the Future: AI in 2035 12:31 Preparing for an AI-Driven Future

In this episode of Banking on Information, Rutger van Faassen interviews Om Kundu, founder and CEO of SaveAway. They discuss the mission behind SaveAway, which aims to help individuals achieve their financial goals without falling into debt. Om shares insights on the importance of financial literacy, the unique features of SaveAway, and how it empowers users to save for their desired purchases. The conversation also explores the future of consumer spending and the role of technology in enhancing financial wellness. Keywords: SaveAway, financial wellness, consumer spending, debt management, financial literacy, Om Kundu, technology in finance, saving solutions, future of finance, buy now pay later Takeaways Om Kundu believes that no goal is out of reach if you set your mind to it. Many people fail to reach their goals due to failing financial systems. Cultivating good financial habits is essential for achieving goals. SaveAway helps users save for purchases without incurring debt. The platform allows users to share their saving goals with friends and family. Customer feedback indicates that users love the social aspect of SaveAway. The future of finance may involve a balance between credit and saving solutions. Financial literacy is crucial for empowering individuals in their spending decisions. Om envisions a future where financial systems support human agency and goals. The seeds we plant today will shape the future of financial wellness. Chapters Introduction to SaveAway and Its Mission Understanding SaveAway's Unique Approach Customer Experiences and Feedback Future of Consumer Spending and Financial Solutions Cultivating Human Agency in a Tech-Driven World

In this episode of Banking on Information, Jon Waldman, president and co-founder of SBS Cybersecurity, discusses the importance of understanding cybersecurity risks, especially for organizations in regulated industries like banking. He emphasizes the need for continuous learning and adaptation in the face of evolving technology, including AI and quantum computing. Waldman outlines various use cases for cybersecurity solutions, the value of expertise in the field, and the necessity for organizations to prepare for future challenges in cybersecurity.Keywords: cybersecurity, risk management, information security, AI, banking, compliance, technology, future trends, expertise, automation Takeaways Our passion lies in helping clients understand cybersecurity risk. Banks are experts at lending, not cybersecurity. We help clients build and manage information security programs. Testing and validation are crucial for cybersecurity effectiveness. Continuous learning is essential for staying relevant in cybersecurity. The future of banking will be heavily influenced by AI and quantum computing. Cybersecurity will continue to evolve with technology advancements. Organizations need to adapt to the fast-paced changes in technology. The bad guys have access to the same technology as we do. Mitigating risk is a constant challenge in cybersecurity. Chapters 00:00 Understanding Cybersecurity Risks 02:58 Building Information Security Programs 06:02 The Value of Cybersecurity Expertise 08:56 Futures Thinking in Cybersecurity 11:52 Preparing for the Future of Cybersecurity Sound Bites "Banks are technology companies today." "Everything is going to be real time." "AI is a tool today to use."

In this episode of Banking on Information, Rutger van Faassen interviews John D'Amour, Head of Product at Zingly AI. They discuss the mission of Zingly to transform customer interactions with businesses, addressing the universal dread known as the Fear Of Reaching Out (FORO). John explains how Zingly leverages agentic AI to enhance customer experience and automate processes, ultimately leading to more efficient and satisfying interactions. They also explore the future of customer engagement, envisioning a world where technology seamlessly integrates to provide a personal touch in business interactions. The conversation emphasizes the importance of embracing new technologies to overcome existing limitations in customer service.Keywords: customer experience, AI, Zingly, FORO, agentic AI, customer engagement, technology, automation, business transformation, future of customer service Takeaways Zingly aims to transform customer interactions with businesses. The Fear Of Reaching Out (FORO) is a common issue. Customer experience should be delightful and productive. Automation can eliminate low-level calls and reduce wait times. Persistent rooms allow for seamless customer engagement. AI can intelligently decide when to involve human agents. The future of customer engagement will be more personal and less siloed. Embracing new technologies is essential for businesses. Multimodal experiences will enhance customer interactions. Zingly's approach can significantly improve customer satisfaction. Chapters 00:00 Transforming Customer Interactions 03:17 The Zingley Platform and Its Use Cases 05:22 The Concept of Persistent Rooms 07:36 Customer Success Stories and AI Integration 10:33 Envisioning the Future of Customer Engagement 13:02 Preparing for the Future of Customer Experience Sound Bites "The Fear Of Reaching Out." "Eliminating the starting over fear." "Going from 60 days down to 15 days."

In this episode of Banking on Information, Rutger van Faassen interviews Faraz Rana, founder and CEO of Affinity, discussing the importance of human elements in compliance, innovative solutions for compliance training, and the future of banking as it becomes more technology-driven. Faraz emphasizes the need for compliance to be relevant and engaging for employees, and how Affinity aims to solve compliance issues through customizable training and AI tools. The conversation also explores the future landscape of banking and compliance, highlighting the necessity for organizations to adapt to technological advancements. Keywords: compliance, fintech, technology, training, risk management, AI, banking, innovation, employee engagement, Affinity Takeaways Every organization is made up of people. Compliance is often a human problem. Small mistakes can lead to significant issues. Training should be relevant to employees' roles. Compliance training needs to be engaging. Affinity aims to solve compliance issues with technology. The future of banking is tech-driven. Every bank will become a fintech. AI will play a crucial role in compliance. Organizations must be curious about technology. Chapters 00:00 Introduction to Affinity and Faraz Rana 02:11 The Human Element in Compliance 06:49 Innovative Compliance Training Solutions 10:53 The Future of Banking and Compliance 14:40 Preparing for a Tech-Driven Future

In this episode of Banking on Information, Rutger van Faassen interviews Matt Bivons, Founder & CEO of Canopy, about revolutionizing lending through modular APIs, personalization, and modern technology. They discuss the future of lending, AI's role in fintech, and how businesses can prepare for a more integrated and data-driven financial ecosystem. Key Words: Lending innovation, Fintech, Canopy, Modular APIs, Personalization in lending, Banking core systems, Post-origination software, AI in fintech, Data-driven financial services, Vertical software integration, Future of lending, Revolving credit, Loan management platforms, Financial institutions Chapters 00:00 Introduction to Canopy and Its Mission 04:00 Understanding the Pain Points in Lending 09:28 Future of Lending: Trends and Predictions 13:13 Preparing for the Future of Lending

In this episode of Banking on Information, Rutger van Faassen interviews Remco Veenenberg, co-founder of ThinkFintech. They discuss the intersection of psychology and FinTech, the mission of ThinkFintech to simplify complex financial concepts, and the importance of stakeholder analysis in helping FinTech companies succeed. Remco shares insights on the future of banking, the role of AI, and the necessity of maintaining human interaction in financial services.KeywordsFinTech, psychology, stakeholder analysis, AI, banking, digital currencies, customer experience, marketing strategy, mental health, financial stressTakeawaysRemco's background in psychology informs his approach to FinTech.Reducing financial stress can lead to better decision-making.ThinkFintech aims to simplify complex financial concepts for everyday people.Stakeholder analysis is crucial for FinTech companies to succeed.Marketing and sales alignment is often lacking in FinTech.A compelling story is essential for differentiation in a saturated market.The future of banking will still include traditional banks alongside FinTech.AI will significantly impact customer service in banking.Human interaction remains vital in financial services despite AI advancements.Companies should avoid over-relying on chatbots for customer service.Chapters00:00 Introduction to FinTech and Psychology01:59 The Role of Think Fintech04:56 Understanding Client Value and Needs07:35 Futures Thinking: The Banking Landscape in 203510:32 Preparing for AI in FinTech

In this episode of Banking on Information, Rutger van Faassen interviews Jasper Geurts, Managing Director Americas at SIG. They discuss the complexities of software development, the importance of quality assurance, and how organizations can prepare for the future of technology. Jasper emphasizes the need for standardization in software development and the role of GenAI in shaping the future of coding. The conversation highlights the challenges and opportunities in modern software systems, particularly in the banking sector.Benchmark report https://www.softwareimprovementgroup.com/finance-signals-2025-report?utm_source=Infobanker&utm_medium=Rutger&utm_campaign=usTakeaways - Jasper Geurts is passionate about simplifying complex software systems. - Software development has become increasingly complex due to legacy technologies. - Quality in software is defined by international standards that are hard to operationalize. - Organizations need to benchmark themselves against industry standards to improve. - GenAI is changing the landscape of software development and coding. - It's essential to maintain human oversight in AI-driven coding processes. - Improving software quality involves understanding and remediating technical debt. - The future of software may involve more automated coding with AI assistance. - Organizations should focus on cultural and procedural changes to adapt to new technologies. - SIG provides tools and methodologies to help organizations improve their software quality. Keywords software development, technology, SIG, complexity, future-proof, quality assurance, GenAI, banking, standards, innovation Chapters 00:00 Introduction to SIG and Jasper's Passion 03:01 Understanding Software Complexity and Legacy Systems 06:01 The Importance of Software Quality Standards 08:59 Future of Software Development and AI 11:52 Preparing for the Future: Benchmarking and Standards

In this episode, Rutger van Faassen interviews Cyrus Taheri, Chief Growth Officer at TrueNorth, discussing the importance of purpose and impact in the consultancy world, particularly in the FinTech sector. Cyrus shares insights on how TrueNorth helps community banks and credit unions leverage technology to compete with larger institutions. The conversation also explores the future of banking, emphasizing the integration of AI and the need for organizations to adapt to this changing landscape. Keywords: TrueNorth, FinTech, banking, AI, technology, community banks, consultancy, growth, impact, purpose Takeaways - Cyrus emphasizes the importance of purpose in his work. - TrueNorth focuses on helping small organizations scale effectively. - The impact of technology on community banks is significant. - Cyrus believes in breaking down projects into manageable pieces. - TrueNorth aims to bridge the gap between FinTech and traditional banking. - Education is a key component of TrueNorth's approach. - Clients appreciate the quick value delivery from TrueNorth. - Cyrus highlights the importance of adaptability in the banking sector. - The future of banking will heavily involve AI integration. - Cyrus believes that every future leader will need to be AI savvy. Chapters 00:00 Introduction to Purpose and Impact 02:46 True North's Role in FinTech 05:09 Bridging the Gap: FinTech and Traditional Banking 07:36 Delivering Value Quickly 10:07 The Future of Banking: AI Integration 12:15 Preparing for an AI-Driven Future

In this episode of Banking on Information, Rutger van Faassen speaks with Zoya Lieberman, a Principal Strategist at Endava. They discuss the importance of understanding the 'why' behind actions in financial services, the role of AI in shaping the future of the industry, and the need for global perspectives on financial inclusion. Zoya emphasizes the importance of facilitating conversations among teams and the necessity of standardization in processes to prepare for future challenges.Keywordsfinancial services, AI, strategy, consulting, global economy, financial inclusion, technology, Endava, neobanks, innovationTakeawaysZoya enjoys connecting the dots in financial services.The skill of seeing the big picture is diminishing.Asking 'why' helps combat rigidity in organizations.Facilitating conversations is key to aligning teams.AI will take over menial tasks, allowing humans to focus on strategy.Global perspectives are crucial for financial inclusion.Standardization can help address universal issues in finance.The future of finance will require better conversations.We need to start with small, manageable solutions.Preparing for the future involves understanding diverse global needs.Chapters00:00 Introduction to Zoya Lieberman01:29 The Role of a Principal Strategist03:56 Value of Independent Perspective in Financial Services05:44 Future of Financial Services and AI09:47 Preparing for the Future of Banking

In this episode of Banking on Information, Rutger van Faassen interviews Sophie Guibaud, a FinTech Growth Advisor and co-author of the Embedded Finance Book. They discuss Sophie's journey in finance, her role in launching FinTechs, and the evolution of embedded finance. Sophie shares insights on the future of finance, particularly in the context of AI and how individuals and businesses can prepare for these changes. Keywords FinTech, Embedded Finance, Growth Advisor, Future of Finance, AI in Finance, Financial Inclusion, Digital Banking, Neobanks, Payment Experience, Financial Services Takeaways - Sophie has a passion for finance that started at a young age. - Her career evolved from advising to operational roles in FinTech. - She has extensive experience launching FinTechs and digital banks. - The Embedded Finance Book highlights the evolution of financial services. - Brands are increasingly leveraging embedded finance for revenue. - The future of finance will see payments happening seamlessly in the background. - AI will play a crucial role in optimizing financial management. - Professionals should embrace AI to enhance productivity. - Staying informed and adaptable is key in the fast-evolving FinTech landscape. - Curiosity and continuous learning are essential for success. Sound Bites "AI makes us more productive." "Embedded finance is all gonna happen." Chapters 00:00 Introduction to FinTech and Personal Journey 02:15 Role of a FinTech Growth Advisor 04:27 Exploring Embedded Finance 08:06 Future of Embedded Finance in 2035 10:57 Preparing for an AI-Driven Financial Future

In this episode of Banking on Information, Zac Cohen, Chief Product Officer at Trulioo, discusses the importance of digital identity verification in today's fast-paced, technology-driven world. He explains how Trulioo enables fintechs and other businesses to onboard customers securely and compliantly, while also addressing the evolving landscape of identity verification and the impact of AI on the future of this field. The conversation highlights the significance of customer experience, the challenges of fraud prevention, and the need for innovative solutions in a digital-first environment. Keywords: Trulioo, digital identity, onboarding, fintech, AI, customer experience, identity verification, fraud prevention, technology, innovation TakeawaysZac Cohen emphasizes the importance of working in a challenging environment.Trulioo's platform helps businesses onboard customers securely and compliantly.The rise of micro merchants is changing the landscape of identity verification.Customer experience is crucial for businesses competing in the digital space.AI is transforming identity verification, presenting both opportunities and challenges.Frictionless onboarding is key to retaining customers.The future of identity verification will involve AI agents acting on behalf of users.A layered approach to identity solutions is essential for security and compliance.Trulioo's orchestration engine allows for low code, no code workflow building.The conversation encourages curiosity and innovation in the field of digital identity.Chapters 00:00 Introduction to Zach Cohen and His Role 02:13 Understanding Trulioo's Mission and Use Cases 05:35 Customer Value and Experience in Identity Verification 08:44 Future of Identity Verification and AI's Role

In this episode of Banking on Information, Heather Xiao, Founder and CEO of Horizon Zero, discusses the transformative potential of smart data and open banking. She emphasizes the importance of customer-centric frameworks and the need for alignment among stakeholders in the ecosystem. Heather shares insights from her experience working with various sectors, including banking and airlines, and highlights the value her clients gain from her expertise. Looking ahead, she envisions a future where open banking and smart data significantly enhance customer experiences and societal benefits, while acknowledging the challenges that lie ahead in standardization and collaboration. Keywords: open banking, smart data, data sharing, customer experience, future of finance, technology, innovation, ecosystem, regulatory standards, financial services TakeawaysSmart data and open data sharing will transform lives.Frameworks are essential for understanding open data.Alignment among stakeholders is crucial for success.Customer experience should drive product development.Emerging technologies will accelerate open banking evolution.Collaboration across sectors is necessary for innovation.Practical solutions are key to addressing customer needs.The future of finance will be more equitable and efficient.Standardization is vital for the success of smart data.Incremental progress will lead to significant outcomes.Chapters 00:00 Introduction to Smart Data and Open Banking 02:30 The Role of Frameworks in Open Data Sharing 05:59 Client Success Stories and Value Creation 09:56 Future Vision: Open Banking and Smart Data in 2035

In this episode, Jacob Howard, Founder of Financial Marketing Insights, discusses his journey in financial marketing, emphasizing the importance of community and networking among financial marketers. He shares insights on the future of marketing in financial services, particularly the impact of AI, and highlights the need for professionals to adapt and engage with new technologies. Jacob also introduces his initiatives aimed at fostering connections and education within the financial marketing sector. Keywords: financial marketing, community building, AI in finance, future of marketing, networking events Takeaways Building a community for financial marketers is essential. AI is a major disruptor in the financial services industry. Networking events provide immense value to attendees. Marketers need to adapt to new technologies like AI. Creating supportive environments leads to better collaboration. The future of marketing will heavily involve automation. Financial education is crucial for the next generation. Curated recruitment services can help connect talent with opportunities. Community building is vital in a rapidly changing world. Sound Bites "AI is disrupting everything." "Get ready, get in the game!" Chapters 00:00 The Importance of Community in Financial Marketing 06:55 Envisioning the Future of Financial Services Marketing 12:03 Building a Supportive Network for Financial Marketers

In this episode of Banking on Information, Rutger van Faassen interviews Alec Crawford, CEO and Founder of Artificial Intelligence Risk Inc. They discuss the importance of managing AI risks, the need for cybersecurity in AI applications, and the role of governance and compliance in ensuring safe AI usage. Alec shares insights on the future of AI in customer service and emphasizes the necessity for individuals and organizations to embrace AI technology to stay relevant in an evolving landscape. Keywords: AI, cybersecurity, risk management, governance, compliance, future of AI, customer service, technology, innovation, bankingTakeawaysAlec Crawford has a long history in AI and finance.The need for AI risk management is critical for companies.Cybersecurity is essential for the safe deployment of AI.Governance in AI involves setting rules for its use.AI can significantly improve efficiency in customer service.Companies must encrypt sensitive data to prevent breaches.AI agents can help reduce customer service call times.The future of AI should focus on inclusivity and job repurposing.Organizations need to adopt AI tools to remain competitive.The next generation of AI will surpass current capabilities.Chapters 00:00 Introduction to AI Risk Management 02:56 The Importance of AI Governance 06:01 Enhancing Efficiency with AI Agents 08:48 Cybersecurity in the Age of AI 11:49 Future of AI and Its Societal Impact

In this episode of Banking on Information, Rutger van Faassen interviews Ben Colman, CEO and co-founder of Reality Defender, discussing the challenges posed by deepfakes and AI in the realm of cybersecurity. Colman emphasizes the importance of developing technology to combat fraud and impersonation, particularly in communications. He shares insights on how Reality Defender secures communications, the evolution of customer awareness regarding deepfakes, and the future of AI technology in everyday life. The conversation concludes with advice on how individuals can prepare for a future where deepfakes are prevalent. TakeawaysTechnology evolves, and so do the tactics of bad actors.Fraud is an equal opportunity issue, affecting everyone.Reality Defender focuses on securing communications against impersonation.Deepfakes can be used for financial fraud and identity theft.Education on deepfakes has become crucial for clients.Demonstrating the problem of deepfakes has become more impactful recently.The future will see deepfake detection integrated into everyday devices.No single technology can solve the deepfake problem; a multi-faceted approach is needed.Consumers should question their banks about security measures against deepfakes.The technology to create deepfakes is becoming increasingly accessible.Chapters 00:00 Introduction to Reality Defender 02:18 Understanding the Threat of Deepfakes 05:10 Customer Experiences and Education 07:57 Futures Thinking: The Next Decade 11:20 Preparing for the Future of Deepfakes Keywords: Reality Defender, deepfakes, AI technology, fraud prevention, cybersecurity, identity protection, communication security, future technology, antivirus software, digital security

In this episode, Michael Ramsey, co-founder of Compaytence, discusses the complexities of the global payments landscape and how his company assists online entrepreneurs in navigating these challenges. He emphasizes the importance of understanding the payment ecosystem, the value of consulting for scaling businesses, and the need for continuous adaptation in the face of change. The conversation also touches on the future of payments and the necessity of listening to customer needs to remain relevant. TakeawaysMichael's passion lies in helping online entrepreneurs sell internationally.There is a significant gap in the market for payment consulting.Compaytence focuses on operational soundness and risk management.Clients often face issues with funds being stuck or accounts being shut down.The company provides a comprehensive audit of clients' payment processes.Education is a key component of their service offering.Successful scaling requires understanding operational mechanics.Change is constant in the financial services landscape.Listening to customers is crucial for future success.Entrepreneurs will always need support in scaling their businesses. Chapters 00:00 Introduction to Global Payments Consulting 02:00 Understanding the Payment Ecosystem 04:40 Value Proposition for Online Entrepreneurs 06:52 Futures Thinking in Payments 09:51 Conclusion and Key TakeawaysKeywords: global payments, online entrepreneurs, payment consulting, risk management, customer experience, payment ecosystem, scaling business, future of payments, entrepreneurship, financial services

In this episode of Banking on Information, Rutger van Faassen interviews Brian Vieaux, President and COO of FinLocker. They discuss the importance of understanding the motivations behind home buying, the role of technology in facilitating the home buying process, and the future of the mortgage industry. Brian emphasizes the need for financial literacy and education for first-time home buyers and envisions a future where consumers have complete control over their financial data, transforming the mortgage application process. Keywords: FinLocker, Brian Vieaux, home buying, mortgage industry, financial literacy, technology in finance, future of mortgages, consumer data, financial education, first-time home buyers Chapters 00:00 Introduction to Finlocker and Brian Vieaux 01:05 Understanding the 'Why' Behind Finlocker 02:39 The Role of Finlocker in Home Buying 05:14 Shifting Mindsets: From Point of Sale to Point of Thought 08:11 Value Proposition for B2B and B2C Customers 09:01 Envisioning the Future of the Mortgage Market 11:32 Preparing for a Data-Driven Future

In this episode we speak with Conor Tiernan, Head of Insights at VibePay about his WHY, WHAT and HOW when it comes to empowering brands with actionable (banking data led) insights and seamless customer interactions and offering instant A2A payments.Conor shares how the company is redefining payments through fee-free transactions, personalized customer engagement, and actionable insights. He envisions a future where payments are seamless and data-driven, empowering businesses to thrive in a digital-first economy. Discover how Vibe Pay is shaping tomorrow's financial landscape.Key Words:Payments innovationFee-free transactionsOpen bankingFinancial empowermentReal-time data analyticsCustomer engagementInsights platformData-driven decision-makingPersonalized experiencesFuture of paymentsAI-driven automationOpen finance ecosystem

In this episode we speak with with Robyn Sechler, Head of partnerships at GoodTrust about her WHY, WHAT and HOW when it comes to Estate Planning for both physical and digital assets.Robyn Sechler, VP of Partnerships at GoodTrust, discusses the importance of preserving memories and digital assets alongside estate planning. Sharing her personal story, she highlights GoodTrust’s innovative digital vault, democratizing estate planning for all. Robyn envisions a future where AI enhances accessibility, empowering individuals to protect their legacies with peace of mind.KeywordsEstate PlanningDigital AssetsGoodTrustMemories PreservationDigital VaultAI in Estate PlanningAccessibilityPeace of MindLegacy ProtectionFinancial Services

In this episode we speak with Igor Pejic, Author of Big Tech in Finance about his WHY, WHAT and HOW to Prevail In the Age of Blockchain, Digital Currencies and Web3.Igor explores the transformative impact of emerging technologies like blockchain, AI, and digital currencies on the financial industry. He discusses big tech's expansion into finance, systemic risks, and the future of a multi-asset world, emphasizing regulatory clarity and innovation.Key Words:Igor PejicBig Tech in FinanceBlockchain BabelBlockchainAIDigital currenciesFinancial industryInnovationRegulatory clarityMulti-asset worldSuper money engineSystemic risks

In this episode we speak with Daniel Vodolazkyi, Managing Partner at RWAY about his WHY, WHAT and HOW of his real-world asset-tokenization software platform.Daniel explores the future of blockchain and tokenization in this episode. He discusses RWAY's innovative software launchpad for tokenizing real-world assets, enabling businesses to create branded ecosystems. Daniel also shares his vision for 2034 and encourages embracing new technologies to prepare for the evolving digital landscape.Key Words:BlockchainTokenizationReal-world assetsSoftware launchpadRWAYBranded ecosystemsWalletsCross-chain compatibilityFuture of technologyAdoption of innovation

In this episode we speak with Zach Gordon, CEO of Red Five about his WHY, WHAT and HOW of getting it right when it comes to business decisions and accounting.Zach shares his journey in accounting, focusing on emerging industries like crypto and cannabis. He discusses the evolving role of CPAs, the impact of AI and automation, and the enduring importance of human expertise in strategic decision-making. Learn how to prepare for the future of accounting.Key WordsAccountingCPAZach GordonRed FiveCryptoCannabisEmerging industriesAI in accountingAutomationStrategic decision-makingTrusted advisorFuture of accountingData-driven decisionsNetworkingContinuous education

In this episode we speak with Karan Jain, Founder and CEO of NayaOne about his WHY, WHAT and HOW when it comes to helping Financial Institutions discover, select and evaluate technical solution providers.Karan Jain explores how his platform accelerates technology adoption for financial institutions, enabling faster proof-of-concepts and reducing buyer's regret. He discusses future trends in embedded banking, financial management, and industry consolidation, emphasizing the importance of interoperable technology and strategic foresight to prepare for a rapidly evolving landscape.Key Words:Karan JainNaya OneTechnology adoptionFinancial servicesEmbedded bankingInnovation accelerationProof-of-conceptBuyer’s regretInteroperable technologyFuture-ready strategyFinancial inclusionIndustry consolidationSynthetic dataBanking transformation

In this episode we speak with Kevin Porter, CEO and Founder at DxO Advisors about his WHY, WHAT and HOW when it comes to helping credit unions with their omni-channel transformation and adoption.Kevin Porter discusses his passion for credit unions and their transformation from digital to omni-focused organizations. He shares insights on overcoming "banker think," enhancing member-centric experiences, and preparing credit unions to dominate the financial services landscape by 2034 through empathetic design and strategic innovation.Key Words:Kevin PorterDxO AdvisorsCredit UnionsDigital TransformationOmni StrategyBanker ThinkMember-Centric DesignEmpathy in Financial ServicesStrategic PlanningFuture of Banking

In this episode we speak with Russell LaCour, CTO at ODIN AI about his WHY, WHAT and HOW when it comes to applying agentic AI to the mundane part of our jobs to save time and money.Russell discusses the transformative power of large language models in automating business processes. He shares insights on how AI agents reduce costs, streamline workflows, and envision a future with AI personal assistants. Odin AI focuses on structuring fragmented data to enhance context-aware automation for enterprises.Key WordsAI automationLarge language models (LLMs)Odin AIRussell LaCourBusiness process optimizationAI personal assistantsData structuringWorkflow automationCost reductionEnterprise solutions