
Breaking Banks
The #1 global fintech radio show and podcast. Every week we explore the personalities, startups, innovators, and industry players driving disruption in financial services; from Incumbents to unicorns, and from the latest cutting edge technology to the people who are using it to help to create a more innovative, inclusive and healthy financial future.
Latest episodes

Apr 24, 2025 • 39min
News From The Fintech Front: AI, Stablecoin Strategy & Fintech M&A
In This Episode
This week on Breaking Banks, Don Ginsel, host of our sister show Breaking Banks Europe, takes our mic and brings the conversation stateside. Don is joined by Nik Milanović, founder of This Week in Fintech, for a wide-ranging and energizing discussion of the latest forces shaping the fintech landscape.
From the evolving role of traditional banks and increasing interest in stablecoins to the current state of fintech M&A, the rise of fraud, and the impact of AI on financial services, Don and Nik cover the topics on everyone’s mind.
Whether you’re a founder, investor, or financial exec, this overview of the trends, risks, and opportunities is not to be missed.

Apr 17, 2025 • 41min
What The Future Looks Like in Finance and Fintech: Jo Ann Barefoot, Nick Hughes and Brett King Live From Virgin Unite
Join Brett King as he chats with Nick Hughes, the father of M-Pesa and a pioneer in mobile money, and Jo Ann Barefoot, a fintech regulation expert. They delve into the fascinating origins of M-Pesa and its profound cultural impact in Kenya. The discussion shifts to the intersection of fintech innovation and regulation, highlighting how collaboration can drive financial inclusion. They also explore the potential of fintech in tackling global challenges, including climate change and carbon markets, emphasizing a future where technology serves society's needs.

Apr 10, 2025 • 35min
Insider Advice From A Serial Entrepreneur, Cokie Hasiotis
In This Episode
Killing It is back! Jason Henrichs’ series on banking and fintech entrepreneurs returns with Cokie Hasiotis
In this episode of Breaking Banks, Jason Henrichs connects with Cokie, serial entrepreneur and exited founder of Twali and drippi. Cokie candidly shares her entrepreneurial journey, providing insights into the emotional challenges and tolls inherent in entrepreneurship, and the stress of pivoting business. She also reflects on how these experiences have shaped her, underscoring the significance of community, the importance of self-awareness and filtering advice from others. Tune in to hear more about identity as a founder, navigating loss, soft landings, and transitioning to new opportunities.
https://www.youtube.com/watch?v=Ar6NpEoUw4Y

Apr 3, 2025 • 48min
Fintech Podcast Mashup: Breaking Banks x Fintech Daydreaming
Samer Saab, SVP of Product for Alloy Labs, discusses innovative partnerships between banks and startups. The conversation highlights the rise of mobile money and how it reshapes economies. They dive into the impact of digital identity on secure transactions and the concept of Q-Day for future cybersecurity. Discussions on smart contracts and agentic AI reveal how technology transforms financial services, while a sneak peek at Brett's upcoming book hints at what’s next in fintech. A must-listen for anyone curious about the future of finance!

Mar 27, 2025 • 48min
Foiling the Invisible Heist: The New Banking Playbook to Land and Expand Commercial Relationships through Digital Banking
In This Episode
There’s something happening beneath the surface of every pizza order, every childcare payment, and every invoice sent by businesses across America. A quiet revolution that most people— sometimes even business owners themselves— have barely noticed.
Traditional banks are being methodically extracted from the daily financial lives of businesses, replaced by something more streamlined, more embedded, as banking becomes just another node in a business operating system.
We dug into those threats last episode on “The Invisible Heist”. This week, Jorge Garcia, Founder and CEO of Linker Finance, and Samer Saab, SVP of Product for Alloy Labs, join host JP Nicols and co-host Barb MacLean as we look at some viable options for banks to foil the heist and create a competitive response.
We’ll look at the surprising opportunities sitting right in front of us, and how banks are rewriting the playbook to land and expand commercial customers through digital banking.
https://www.youtube.com/watch?v=cX2D6ZE2DdM

Mar 20, 2025 • 43min
The Invisible Heist: How Software Companies Are Quietly Stealing Your Commercial Relationships
In This Episode
Banking executives, your business customers aren’t leaving you for another bank—they’re leaving banking altogether— at least partially. For now.
As a part of our “Unbreak the Bank” series we dissect the most significant existential threat to community financial institutions since the 2008 crisis: the systematic extraction of business banking services into everyday business software.
Community banks are hemorrhaging 12-18% of operational deposits annually to companies that don’t even consider themselves “banks”, and they’re moving upmarket.
The competitive battlefield has shifted, and “relationship banking” is not enough to compete. Customers are integrating business solutions into their daily workflow, and banks risks being shut out altogether.
Discover why the future isn’t about being the best business bank – it’s about being a relevant layer in the best business experience.
Fintech Takes founder Alex Johnson and Velocita founder Barb MacLean join host JP Nicols to reveal how embedded lending is systematically dismantling banking relationships as Quickbooks, Square, Toast, and others integrate financial services directly into business workflows, and explore some options for how banks can respond.
https://youtu.be/FV5wUyhng6c?si=KpsHDtG0V4rRXSWt

20 snips
Mar 6, 2025 • 37min
Hot Takes on Banking Regulation, Standards, AI, and Fraud
Phil Goldfeder, CEO of the American FinTech Council, champions a customer-centric financial system, while Seema Gandhi, co-founder of CFES, focuses on developing sound standards for non-banks. They discuss the surge in bank-fintech collaborations and how these partnerships expand access to financial services. The conversation shifts to AI’s role in fraud detection, emphasizing the need for clear compliance standards and effective risk management to navigate the dynamic financial landscape.

Feb 28, 2025 • 52min
Fintech Xchange ’25: Hot Takes into BaaS and the Future of Banking
In This Episode
This week, we bring you Part III of exclusive insights from Fintech Xchange ’25 at the Stena Center for Financial Technology and the University of Utah, powered by U.S. Bank. Host Jason Henrichs engages in a dynamic discussion with Jason Mikula of Fintech Business Weekly and Chris Black, CEO & President of Thread Bank. Their conversation spans topics from Banking-as-a-Service (BaaS) and regulatory shifts under the new administration to the dual-edged nature of innovation in today’s financial landscape.
Chris delves into Thread Bank’s unique transformation as it evolved from the historic Civis Bank—established in 1906—into a fintech-enabled community bank. In 2021, new leadership recapitalized and revitalized the institution by adopting an industrial approach to BaaS and launching Thread. Thread’s goal is to deliver the unparalleled value of a community bank to individuals and businesses, leveraging intuitive technology to meet customers where they are. Maintaining two local branches, Thread is delivering on its mission of embedded banking — deposits, loans, and payments, and exemplifies the integration of traditional banking services with modern embedded banking solutions. By transcending geographical limitations and focusing on scalable, durable models, Thread collaborates with partners to manage risks and capitalize on the strengths of partnership banking.
In the second segment, University of Utah alumnus Rhett Roberts, CEO & Co-founder of LoanPro, joins “the Jasons” to discuss the evolving fintech ecosystem and APIs. Are they coming of age? Naturally they talk about cores, and how banks are in the process of conscious decoupling to build resilient infrastructures in order to weather future disruptions.
Rhett shares LoanPro’s journey from inception to powering some of the biggest lenders in fintech. LoanPro offers a scalable, API-first lending and credit platform that fosters innovation by streamlining origination, servicing, collections, and payments across various loan types, lines of credit, and credit cards. This narrative underscores the transformative impact of fintech solutions in modernizing financial services.
Listen and watch to explore these compelling stories!
https://www.youtube.com/watch?v=8RC9Gt9PodA

Feb 20, 2025 • 43min
Hot Takes from Fintech Xchange: Diving Right in with U.S. Bank and Fintech Nexus
In This Episode
In this episode we continue the series powered by U.S. Bank and recorded at the University of Utah’s Fintech Xchange. CAUTION: The episode is hot!
Breaking Banks’ Hot Takes host Jason Henrichs, regulars Alex Johnson (Fintech Takes) and Jason Mikula (Fintech Business Weekly) are joined by David Ness, U.S. Bank’s SVP Innovation, R&D and Peter Renton, Fintech Nexus, Chairman & Co-Founder. The newcomers jump right in, going straight for Fintech on Fire (#11 on a scale of 1 – 10), and comfortably deliver hot takes from the hot seats, recapping major themes from the event, and making predictions as to what 2025 brings to our industry. Plenty of insights are shared and there’s plenty for the risky spice-takers to tackle including BNPL (acronym for a popular industry term, of course, and also our new Burn Now Pay Later hot sauce). Two other clues as to what the group might have talked about….the RegTech Reaper and Stable Coin Scorch . Don’t worry, there’s plenty more where these came from!
Listen now on your favorite podcast platform!
It’s a hot conversation, worth being in the room for…to catch the visuals check it out on YouTube (@provokefm and while you are there, hit subscribe)!

Feb 13, 2025 • 33min
Digital Banks and Founders Changing the World of Banking: bunq
In This Episode
This week we introduce you to a series profiling the digital banks and founders that are changing the world of banking. Focused on first hand accounts from founders all over the globe, the series chronicles the NeoBanking movement from the early days though to today, documenting the players building a new category of digital banking, reshaping the digital movement. Throughout our series we look at foundation stories, challenges each had, and the regulatory approach each took — a look at the pioneering history of the neo and challenger bank movement.
In this episode, Breaking Banks host Brett King connects with bunq’s Founder & CEO. Ali Niknam. bunq is based in The Netherlands, a small country doing big things. bunq, bank of The Free, offers mobile banking that makes life easy for every new chapter in one’s life, and for the digital nomad in everyone.
Born out of Ali’s interest in creating products that people like to use, bunq began in 2012 and its mobile app came out in 2015, all with the aim to help the world forward and do banking a little differently. bunq has brought lasting change to the European banking industry. Having built a product rooted in customer needs and wants, bunq quickly scaled to become the second largest neobank in the EU. Serving digital nomads across the European Economic Area, bunq makes life easy for location-independent people and businesses starting from the way they manage money: how they spend, save, budget and invest.
On a mission to build the first global neobank for digital nomads, bunq announced its bid to enter the US market (April 2023) by applying for a banking license.
It’s an intriguing story, not to be missed!
https://youtu.be/xflfJpM60NI?si=oKMhKcL13Q_eJM9s
Remember Everything You Learn from Podcasts
Save insights instantly, chat with episodes, and build lasting knowledge - all powered by AI.