Breaking Banks

51:38

Emerging Infrastructure for Next Gen AI-based...

Breaking Banks ·

2026/10/01

As banking, wealth, and commerce converge, customers increasingly expect one view of their financial life — a view they often get from third-party apps rather than their bank. Are banks misdiagnosing what is holding them back?In this episode Brett King connects with Rob Rooney, Co-Founder and CEO of Hyperlayer to discuss emerging infrastructure for next-generation AI-based financial technology. Some listeners will know Rob from his 30-plus years at Morgan Stanley. He ran Morgan Stanley

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54:00

Rip Out the Core

Breaking Banks ·

2026/08/20

In this episode host Brett King and Paolo Sironi, host of Breaking Banks’ sister podcast The Bankers’ Bookshelf, speak with Pal Krogdahl, author of Rip Out the Core—an essential guide for anyone wrestling with the stubborn realities of banking core modernization. Despite massive investments, many institutions still face overruns, delays, and outcomes that leave them no stronger than before.Sparked by a flooded kitchen that perfectly mirrored the chaos of real-world banking

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47:20

A New Framework for Sponsor Banking

Breaking Banks ·

2026/07/16

In This EpisodeFor years, Banking as a Service (BaaS) was sold as a silver bullet for community banks to solve their deposit problems and grow non-interest income. Through its evolution, the industry has learned that it is not enough for BaaS to simply be programmable. For innovation in banking to flourish, without sacrificing the safety and security of the banking ecosystem, BaaS must also be governable. With the bankruptcy of Synapse and the resulting consent orders, sponsor banks have been

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39:46

Human Consciousness in an AI-Driven World

Breaking Banks ·

2026/07/02

In This Episode What if AI could replicate your consciousness? Listen as Breaking Banks host Brett King connects with Paolo Sironi, host of Provoke.fm‘s The Banker’s Bookshelf about Paolo’s latest book, Quantum Sapiens. Paolo’s foray into literary fiction explores the intersection of quantum gravity, philosophy, and the future of human consciousness in an AI-driven world, providing a unique way to explore complex topics. Available at major bookstores and on Amazon, Quantum

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38:27

Inside the Next Chapter of Payments: Policy, Fintech...

Breaking Banks ·

2026/04/23

In This EpisodeThis week on Breaking Banks, we feature sister podcast, Social Currency, powered by Sunrise Banks. Social Currency introduces us to some of the most innovative changemakers in finance, technology, and social impact—leaders who are dismantling barriers and reshaping their industries. In this episode hosts Tyler Seydel, Chief Fintech Officer, and Eric Schurr, Chief Strategy Officer at Sunrise Banks are joined by Brian Tate, President and CEO of the Innovative Payments Association, to

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38:40

After the Demo: When AI Stops Impressing and Starts...

Breaking Banks ·

2026/04/09

In This EpisodeHave we reached the point where AI is beginning to matter in a commercial sense or are we still in the ‘figuring it out’ stage and it’s not driving outcomes yet? In this episode host Jason Henrichs is joined by Prashant Mehrotra, Chief AI Officer at U.S. Bank, and John Sun, Co-Founder and CEO of Spring Labs, for a deep dive into the frontier that is AI. Listen as these executives share insights on AI as a transformational force, not just one part of the

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23:50

Who Really Owns Trust in Embedded Finance?

Breaking Banks ·

2026/04/03

In This EpisodeIn this episode of Breaking Banks, industry leaders Jason Hass (First Electronic Bank), Mike Jorgensen (U.S. Bank), and Louis Mrachek, (Merrick Bank) connect with Jason Henrichs for a dynamic conversation centered on embedded finance. Embedded finance seamlessly integrates financial services into non-financial platforms. Some examples include BNPL, Lending: Business & Personal Loans, and P&C Insurance, simplifying the claim process and getting the payment. The panel explores

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43:05

Leading Voices in Fintech: Hot Takes is Back!

Breaking Banks ·

2026/02/12

In This EpisodeWhat happens when three fintech nerds gather to eat spicy wings, share some sauce and talk about industry trends? If you are a regular listener to Breaking Banks, you already know the answer: the latest episode of Hot Takes! Get some chips, your own sauce if you’d like, and listen now as Jason Henrichs, Alex Johnson (Fintech Takes) and Simon Taylor (Fintech Brainfood) — refereed by Peter Renton — offer Hot Takes fueled by hot sauce and spicy conversation. This

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32:25

Patterns of Success in Fintech: Leda Glyptis on...

Breaking Banks ·

2026/01/09

In This EpisodeThis 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

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37:15

Breaking Banks: The Holiday Movie Edition

Breaking Banks ·

2025/12/18

In This EpisodeWhat'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

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27:40

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

Breaking Banks ·

2025/12/04

In This EpisodeThis 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

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32:09

Navigating the Evolving Landscape of Banking in the...

Breaking Banks ·

2025/11/27

In This EpisodeIn 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

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38:20

Driving Digital Growth in Africa: From Vision to...

Breaking Banks ·

2025/11/13

In This EpisodeToday on Breaking Banks we feature the newest addition to the Provoke.fm family, Breaking Banks Africa. In this episode Breaking Banks Africa Host and Executive Producer Matteo Rizzi sits down with Sandra Yao, Ecobank's Group Head: Cross Border Remittance, Payments & BaaS (Fintech). With 20 years of experience driving fintech and payment innovation across Africa, Sandra brings a unique “builder’s mindset” into one of the continent’s largest financial institutions, operating in

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16:15

Money 2020: Take-aways & News from Starling Bank and...

Breaking Banks ·

2025/10/30

In This EpisodeThis episode of Breaking Banks features host Jason Henrichs sharing thoughts and key take-aways fresh from Money 20/20 USA. Stablecoins, Agentic AI and especially Agentic Commerce dominated many conversations at this year's Money 20/20 event. Cross Border Payments another big topic not to mention AI, how it's changing the game and being used by financial institutions. Jason had the opportunity to speak with Harriet Rees, CIO of Starling Bank (UK), who discussed the exciting

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28:03

Inside Saudi Arabia’s Digital Banking Revolution

Breaking Banks ·

2025/10/09

In This EpisodeDr. Antoine Khadige, Senior Partner at Strategy+ GCC, and Mohamed AlSabea, Chief of Staff and Chief Strategy Officer at barq, join host Brett King for a special episode, live from The Money Pot studio at Money20/20 Middle East in Riyadh, Saudi Arabia. Together, they share insights on the Gulf’s fintech transformation and on Riyadh's growing reputation as the gateway to one of the world’s fastest-moving financial markets, where global players and regional decision-makers come

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48:58

Surviving the VUCA Bazooka: Turning Volatility,...

Breaking Banks ·

2025/09/18

In This EpisodeGyrating securities prices, perplexing consumer confidence numbers, multiple revisions of jobs numbers, varying interest rate forecasts- that’s VUCA: Volatility, Uncertainty, Complexity, and Ambiguity. Tim Mahedy is Founder and Chief Economist at Access Macro and serves as the Chief Economist at Alloy Labs, and his perspective, shaped by time at the IMF, as the Chief of Staff at the San Francisco Federal Reserve, and by advising leaders globally, comes at a critical moment. He

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1:10:15

The Rise of Digital Banking and Fintechs: Branch...

Breaking Banks ·

2025/08/28

In This EpisodeThis week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow. We feature interviews with some of Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin

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42:14

Building Financial Health Standards to Improve Lives...

Breaking Banks ·

2025/08/14

In This EpisodeIn this episode, Breaking Banks delves into the evolving landscape of financial health standards, exploring how the Financial Health Network is pioneering a new set of standards aimed at designing financial products that prioritize consumer well-being. These standards, set to transform financial services by focusing on customer-centric outcomes, start with a focus on checking accounts and credit cards. encouraging people to spend well, and will be part of a library of standards

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50:03

Is There A Crisis Of Trust In Financial Services?

Breaking Banks ·

2025/08/07

In This EpisodeThis week on Breaking Banks, we focus on a fundamental topic in financial services: trust. Trust is the cornerstone of any successful banking relationship. Consumers trust their financial institutions to protect their information and funds—and that trust is warranted. We have guarantees like FDIC insurance to back it up. The importance of trust is acutely felt in community banking. In this episode, Jason Henrichs introduces us to Carie Kelly, Senior Vice President and Digital

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40:38

Battling Fraud in Fintech: How Banks and Fintechs can...

Breaking Banks ·

2025/06/26

In This EpisodeThis week on Breaking Banks, we feature our sister podcast, Social Currency, powered by Sunrise Banks. Social Currency introduces us to some of the most innovative changemakers in finance, technology, and social impact—leaders who are dismantling barriers and reshaping their industries for a more inclusive, equitable, and sustainable future. Hosts Tyler Seydel, Chief Fintech Officer, and Eric Schurr, Chief Strategy Officer at Sunrise Banks, speak with those at the forefront of

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