Smarter Lending: Expanding Credit Access and Improving Risk Decisioning at Scale
In This Episode
This week on Breaking Banks, join us as we explore how real-time data is helping lenders understand financial behaviors beyond traditional credit scores, as Plaid, the largest financial data network, and Experian, a leading data technology company join forces via their new partnership.
Listen as Michelle Young, Credit Product Lead at Plaid and Ashley Knight, SVP of Product Management at Experian connect with host Brett King to discuss how this new partnership is providing proven risk insights and real-time cash flow data to banks, credit unions and consumer lenders, and the potential it brings for a major change in lending. Datos Insights' Stewart Watterson also joins to offer insights on two critical industry challenges that the availability of real-time cash flow data addresses: creating pathways to credit for underserved consumers, and for financial institutions, expanding the consumer lending addressable market while improving the ability to manage credit risk. It's a win-win!
This episode is not to be missed! Lend smarter and get ahead of the curve to learn how cashflow and credit data can fuel business performance and competitive advantages now!
--------
49:56
--------
49:56
Is Open Banking Dying—or Just Growing Up?
In This Episode
JPMorgan Chase has fired the first shot, announcing their plan to charge fintechs what some are calling exorbitant fees for access to customer data. It has the potential to shake the foundations of the open banking movement in the U.S. At the same time, the Section 1033 rule itself is under assault in the courts, and the future of consumer-driven finance hangs in the balance.
In this episode, host JP Nicols is joined by two power players with a front-row seat to the action: Phil Goldfeder, CEO of the American Fintech Council, and Penny Lee, President and CEO of the Financial Technology Association. Together, they debate the billion-dollar question: Should banks control and charge for access to your data, or is true open banking the only way to foster competition and innovation?
No topic is off-limits:
Are “data toll roads” an overdue necessity, or just a new barrier to competition?
Should financial data be as open and regulated as our power grid?
Who wins and who loses among big banks, community banks, fintechs, consumers, and small business.
If you care about the future of money, data, and consumer power, you can’t afford to miss this episode. Listen in for a spirited debate that could decide the next decade of financial innovation.
--------
52:56
--------
52:56
Fintech Tribute: Her Song Lives On
In This Episode
In June we lost a pillar of our community, Barb MacLean, a brilliant fintech mind and a beloved colleague. A guest turned co-host on Breaking Banks and an invaluable member of Alloy Labs. She was truly special, she never hesitated to pay it forward or to speak truth, albeit in the most polite Canadian way, whether on podcasts or the stages of Finovate.
Every week she curated a list of the most impactful things she had read and paired them with a song, publishing the Fintech Playlist. It was an honor to be included. She exposed us to new writers and new songs. For her, music was more than a backdrop — it was a language, a way to connect, to feel, to make fintech more human.
This week's episode is a rerun of a favorite episode featuring Barb, JP Nicols and Alex Johnson discussing the invisible heist of business customers as part of our 'Unbreak the Bank' series.
We hope to honor her legacy the way she lived it: with meaning, creativity, and community.
There's a GoFundMe initiative started by her sister to support her family: https://gofund.me/81a8d4c5
And a Fintech Playlist T-shirt, with 100% of the proceeds going to Barb's family: https://www.bonfire.com/fintech-tribute-t-shirt-her-song-lives-on/
Let's keep her song playing!
--------
43:42
--------
43:42
Battling Fraud in Fintech: How Banks and Fintechs can Stay Ahead
In This Episode
This 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 positive change through social entrepreneurship, unveiling the stories behind the revolution that’s propelling us toward a world where everyone has equitable access to opportunity.
In this episode, Tyler and Eric connect with John Barbella, Founder and President of Neighborli—a network of financial institutions aligned to prevent and fight fraud in fintech. With over 30 years of experience in financial services, John shares insights on compliance, the evolving fraud landscape, and how banks and fintechs can collaborate to stay ahead. Tune in to learn how Neighborli is bridging the gap between financial institutions and fintechs to build a more secure and innovative digital banking future.
Enjoy the episode, and check out other episodes of Social Currency at provoke.fm or wherever you listen to your favorite podcasts.
--------
40:38
--------
40:38
Fintech FMK: Hot Takes on the Regulatory Wild West
In This Episode
Live from the main stage at American Banker’s Digital Banking 2025, this high-energy episode of Breaking Banks brings the regulatory heat. Host Jason Henrichs is joined by Alex Johnson (Fintech Takes) and Dara Tarkowski (Actuate Law) for unfiltered, rapid-fire takes on the most urgent—and divisive—issues shaping digital finance regulation today.
In a fintech twist on the classic ‘90s game FMK, the trio tackles which regulatory bodies to "love, leave, or reform"—from the CFPB and OCC to the NCUA and beyond. No topic is off-limits as they debate the shifting landscape around Section 1033, Open Banking implementation, UDAP enforcement, and the growing tensions between innovation and compliance.
Plus: what do the STABLE Act, the GENIUS Act, and Stablecoin policy have in common? They all point to a regulatory future that’s as complex as it is critical to get right.
This episode is not for the faint of heart, but essential listening for anyone working at the intersection of fintech, policy, and consumer protection.
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.
Listen to Breaking Banks, The AI Daily Brief (Formerly The AI Breakdown): Artificial Intelligence News and Analysis and many other podcasts from around the world with the radio.net app
UK