In This Episode It's a mashup between Breaking Banks and Dave and Dharm Demystify, a podcast that takes you on a journey through the ever evolving world of fintech and digital finance. In this episode triple hosts, Brett King, Dave Wallace and Dharmesh Mistry offer thought provoking discussion and insights, covering off the fintech movement and relevancy in this new state of banking. Integration is key in the new world order. Special shout out to JPMorgan Chase for all they are doing. What will the banking experience look like in the future? When Q-Day comes there will be radical transparency, get those strategies in place. Join the discussion, weigh in, share your thoughts and feedback! Read the entire transcript here. Podcast Content: Chapter 1: 00:00 - Welcome and Introductions Brett King and Jason Henricks welcome Dave Wallace and Darmish Mystery of the Dave and Darm Demystify podcast for a special mashup episode. Chapter 2: 03:30 - Defining Fintech: A Movement or a Moment? The panel discusses the origins and evolving definition of fintech, debating whether it's a movement driven by technology or a transformative moment. Chapter 3: 12:00 - The Future of Banking: AI-Driven Smart Economies Exploring AI's potential to transform financial services, from agency-based payments to smart contracts, and what a "smart bank" might look like. Chapter 4: 21:45 - Fintech Evolution: From Startups to Smart Banks A deep dive into how fintech companies are reshaping the financial landscape and how traditional banks can adapt to compete in a tech-first world. Chapter 5: 34:15 - The Impact of AI and Quantum on Financial Systems Discussing the game-changing potential of quantum computing and AI in finance, including radical transparency and the looming "Q-Day." Chapter 6: 45:40 - The Demise of Traditional Banking Products How AI, cashlessness, and data-driven solutions are reshaping core banking products like credit cards and SME lending, with insights from global trends. Chapter 7: 57:20 - Challenges for Legacy Banks: Innovate or Perish Examining whether traditional banks can transition to a digital-first model, and the role of cloud, AI, and quantum in staying relevant. Chapter 8: 01:06:00 - The Ethical and Existential Implications of AI The group reflects on how AI will redefine humanity, consciousness, and what it means to be human in a rapidly changing world. Chapter 9: 01:15:30 - Outro and Closing Thoughts Final reflections from both podcasts, with insights into the future of banking, fintech, and technology, and a thank you to listeners. Related Content: Bank-Fintech Partnerships, Open Banking and AI...oh my! Huawei Does Gen-Fi Episode 562: Hot Takes: Regulatory Headwinds for BaaS Removing Mystery of Money Movement A Digital Banking Revolution in SEA: GXBank and Mastercard https://youtu.be/CxtFxiEE27Y