Siste episoder av Banking on Information podcast

1. The $300 Billion Embedded Finance Revolution: AI, Payments, and Strategic Growth29.09.2025 (00:12:17)

   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

2. Empowering Credit: AI, Agents & the Future of Financial Access22.09.2025 (00:14:49)

   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

3. Pricing, Data, and the Future of Insurance: A Conversation with Michael Nadel15.09.2025 (00:14:32)

   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

4. Community Banking's Future: Human Connection in an AI-Driven World with Brian McEvoy08.09.2025 (00:13:57)

   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

5. Unlocking the Future: Embedded Finance and Stablecoins with Edward Woodford02.09.2025 (00:14:12)

   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

6. Banking Without Borders: How Fintech Empowers SMEs for a Global Future25.08.2025 (00:13:47)

   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

7. The Value of Change: Navigating Financial Services with Rick Spear20.08.2025 (00:14:44)

   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

8. Bridging Strategy and Execution: Transforming Financial Services Through Trust and Governance19.08.2025 (00:14:24)

   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

9. Banking’s Digital Transformation: AI, Quantum Computing, and a Data-Driven Future with Rogan Vleming04.08.2025 (00:14:20)

   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

10. Brand Therapists: Aligning B2B Narratives for the Future with Copycat’s Shawn Rolph28.07.2025 (00:12:56)

    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

11. Unlocking the Future of Banking: Digital Disruption, AI, and the Rise of Neobanks21.07.2025 (00:12:37)

    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

12. Redefining Success: Justice, Neurodiversity, and Inner Power in Entrepreneurship14.07.2025 (00:14:57)

    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

13. Banking on Innovation: Venture Debt, FinTech, and the Future of AI & Crypto07.07.2025 (00:14:56)

    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

14. Building the Future of Banking: Data, Personalization, and Customer First Innovation30.06.2025 (00:11:54)

    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

15. Streamlining Marketing Compliance: AI, Collaboration, and the Future of Regulation23.06.2025 (00:11:07)

    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

16. Bridging the Homeownership Gap: Technology, Access, and the Future of Lending16.06.2025 (00:16:30)

    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

17. Building the Future of Fintech: Education, Innovation, and Seamless Technology with Igor Tomych09.06.2025 (00:14:13)

    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

18. Modernizing Payments: The Future of Frictionless Finance with John Mitchell02.06.2025 (00:10:54)

    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

19. Unlocking High Ticket Dreams The Future of Embedded Finance with Octane Lending27.05.2025 (00:10:51)

    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

20. Empowering Organizations with No-Code Agentic AI: A Conversation with Stack AI’s co-Founder Bernard Aceituno19.05.2025 (00:14:54)

    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

21. Saving for Goals, Not Debt: Rethinking Financial Wellness with SaveAway12.05.2025 (00:14:53)

    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

22. From Risk to Resilience: Cybersecurity Strategies for the Next Generation of Banking with Jon Waldman President & co-Founder at SBS Cybersecurity05.05.2025 (00:12:43)

    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."

23. Eliminating the Fear of Reaching Out: How Zingly AI is Transforming Customer Engagement28.04.2025 (00:14:35)

    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."

24. Reimagining Compliance: Human-Centric Solutions and the Future of Fintech with Faraz Rana, Founder & CEO of Affinity21.04.2025 (00:14:12)

    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

25. Reimagining Lending: Personalization, APIs, and the Future of Fintech with Matt Bivons, CEO of Canopy14.04.2025 (00:15:00)

    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