Breaking Banks

• The Rise of Digital Banking and Fintechs: Branch Tomorrow

  In This Episode This 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 America. In this episode, Brett speaks with Richard Turrin, an industry leader in fintech innovation and digital transformation, and Author of Cashless: China's Digital Currency. Brett and Richard delve into the robust digital financial services landscape in China which experienced significant digital disruption starting in the mid-2010s. You'll hear how bankers there are still reeling from the unprecedented scale of disruption brought on by MYbank, WeBank, WeChat and Alipay. Then, Brett connects with Paolo Sironi, Global Research Leader in Banking and Financial Markets at the IBM Institute for Business Value and host of Provoke.fm's Bankers Bookshelf podcast. Paolo shares insights from the Eurozone on branch transformation, highlighting how some European banks are embracing digitization by evolving their branches. He discusses how they are balancing digital and physical presence by adjusting their in-branch product offerings, with a focus on personalization, financial inclusion, and maintaining strong customer engagement. Tune in now for these insightful conversations! Branch Tomorrow, available mid-September, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is here!

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• The Rise and Fall of the Branch Bank: Branch Tomorrow

  In This Episode This week on Breaking Banks we're excited to introduce Brett King's latest book, Branch Tomorrow. This new book re-examines our understanding of bank branches, banking culture, and the future of financial services across the globe, from the US to India, China and Latin America. In a special Breaking Banks series, Brett interviews contributing authors Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin to deliver a multi-perspective global look at banking. Each author brings specialties in different markets; all analyzing changes and data from the past decade to what's been happening with branch banking and providing insights into the ongoing transformation in finance. In this conversation, Brett speaks with Bruno Diniz, Financial Innovation Expert, Bestselling Author, Speaker and Professor specializing in fostering financial innovation in Latin America. They delve into the evolution of banking in Brazil and LATAM, particularly the decline of traditional bank branches and the rise of digital banks like Nubank with its rapid growth in Latin America (123 million+ customers). They also explore the impact of regulatory changes, the economics of digital banking, and the role of innovative payment systems like PIX while discussing the challenges traditional banks face in adapting to this rapidly changing financial landscape. We encourage you to listen now and stay tuned for more in this series!  Branch Tomorrow, releasing in September, is a must-read for bankers, regulators, fintech innovators, and future-focused leaders eager to thrive in the digital transformation of finance. The future of banking is here!

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• Building Financial Health Standards to Improve Lives and Institutions

  In This Episode In 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 around how financial institutions and fintechs can design financial products and services with the user's financial health outcome in mind. A practical blueprint for building financial products with integrated financial health solutions. Listen as Jason Henrichs and Brett King catch up with frequent guest Jennifer Tescher, President and CEO of the Financial Health Network and host of the EMERGE Everywhere podcast to discuss these new finhealth standards launched at the recent EMERGE conference. The trio explore: Creating a financially inclusive global economy: challenges and opportunities How financial industry standards shape consumer outcomes and institutional practices Improving financial decision-making through standards and outcome-focused frameworks Managing personal finances effectively with standardized financial practices Understanding moral hazard in financial services and regulation The impact of incentives and leadership priorities on financial system trust and performance Do consumers trust artificial intelligence more than traditional financial institutions? Small changes can drive big impact and improve financial decisions, management and ultimately financial lives. There is a lot that financial institutions and fintechs can do right now and make a difference, but there's also a lot to get right -- tune in now!

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• Is There A Crisis Of Trust In Financial Services?

  In This Episode This 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 Banking Officer at Claremont Savings Bank, and Stephen Lewis, President and CEO of Thomaston Savings Bank. Listen in as they talk about trust, what their community banks are doing to build and enhance it, and how they’re preparing for advanced issues in banking. A $124 trillion opportunity in the U.S. lies in the current transfer of intergenerational wealth. Emily Cisek, Founder and CEO of Paige—a comprehensive life planning and succession software platform for families and small businesses—joins us to discuss a recent partnership with both Claremont Savings Bank and Thomaston Savings Bank, helping them serve as trusted advisors in generational transitions. It’s an engaging episode with implications and applications for all generations and age groups. Enjoy the episode, and let us know what you think!

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• Happy 15th Dodd Frank!

  In This Episode Today we celebrate the 15th anniversary of Dodd-Frank! Tune in as Alex Johnson (Fintech Takes), Kiah Haslett (writer and former banking and fintech editor at Bank Director), and Dara Tarkowski (Tech on Reg host and Partner at Actuate Law) join host Jason Henrichs. They dive deep into Dodd-Frank, discussing its successes and shortcomings as the most significant piece of regulatory overhaul of the last century. Consider this a master class on the topic! Does the GENIUS Act have similar potential? Don't miss these "Sweet Takes" on legislation! Listen now!

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