Bank Nerd Corner https://fintechtakes.com/ en Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it. Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today. Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have. If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better.  Subscribe to Bank Nerd Corner to get the latest episode every Thursday! https://megaphone.imgix.net/podcasts/417b6382-9a58-11f0-a0cb-4fd78f8af71a/image/242d2265c09251ee38adae5b19932d56.png?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress Bank Nerd Corner https://fintechtakes.com/ episodic Kiah Haslett Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it. Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today. Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have. If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better.  Subscribe to Bank Nerd Corner to get the latest episode every Thursday! Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it.

Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today.

Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have.

If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better. 

Subscribe to Bank Nerd Corner to get the latest episode every Thursday!

]]> Kiah Haslett josh@workweek.com Banker’s Hours with Chesapeake Bank’s DJ Seeterlin In this latest episode of Bank Nerd Corner's Banker's Hours, Kiah Haslett welcomes DJ Seeterlin, Chief Innovation and Strategy Officer at Chesapeake Bank, a $1.7 billion community bank based in Kilmarnock, Virginia. Using Chesapeake Bankas an example, DJ walks Kiah through the process of figuring out what the different businesses across the institution share and how the bank can capitalize on that as a competitive advantage. What has emerged from that research is a thesis built around trust, complexity and human relationships — and the kinds of customers for whom those things are a genuine differentiator. Kiah and DJ also dig into why community banks struggle with intentional trade-offs, how customers are already segmenting their financial lives whether banks acknowledge it or not, and the difference between strategic choices and table stakes. DJ uses Trader Joe's as a case study in what it looks like to serve a problem set rather than a demographic, and the trade-offs needed to do it well.  Banker’s Hours is a Bank Nerd Corner feature series, exploring the personalities in banking for some real talk on important, interesting and fun topics.  Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow DJ on LinkedIn: https://www.linkedin.com/in/dseeterlin Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 28 May 2026 16:41:00 -0000 full Kiah Haslett In this latest episode of Bank Nerd Corner's Banker's Hours, Kiah Haslett welcomes DJ Seeterlin, Chief Innovation and Strategy Officer at Chesapeake Bank, a $1.7 billion community bank based in Kilmarnock, Virginia. Using Chesapeake Bankas an example, DJ walks Kiah through the process of figuring out what the different businesses across the institution share and how the bank can capitalize on that as a competitive advantage. What has emerged from that research is a thesis built around trust, complexity and human relationships — and the kinds of customers for whom those things are a genuine differentiator. Kiah and DJ also dig into why community banks struggle with intentional trade-offs, how customers are already segmenting their financial lives whether banks acknowledge it or not, and the difference between strategic choices and table stakes. DJ uses Trader Joe's as a case study in what it looks like to serve a problem set rather than a demographic, and the trade-offs needed to do it well.  Banker’s Hours is a Bank Nerd Corner feature series, exploring the personalities in banking for some real talk on important, interesting and fun topics.  Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow DJ on LinkedIn: https://www.linkedin.com/in/dseeterlin Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett In this latest episode of Bank Nerd Corner's Banker's Hours, Kiah Haslett welcomes DJ Seeterlin, Chief Innovation and Strategy Officer at Chesapeake Bank, a $1.7 billion community bank based in Kilmarnock, Virginia.

Using Chesapeake Bankas an example, DJ walks Kiah through the process of figuring out what the different businesses across the institution share and how the bank can capitalize on that as a competitive advantage.

What has emerged from that research is a thesis built around trust, complexity and human relationships — and the kinds of customers for whom those things are a genuine differentiator.

Kiah and DJ also dig into why community banks struggle with intentional trade-offs, how customers are already segmenting their financial lives whether banks acknowledge it or not, and the difference between strategic choices and table stakes.

DJ uses Trader Joe's as a case study in what it looks like to serve a problem set rather than a demographic, and the trade-offs needed to do it well. 


Banker’s Hours is a Bank Nerd Corner feature series, exploring the personalities in banking for some real talk on important, interesting and fun topics. 

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow DJ on LinkedIn: https://www.linkedin.com/in/dseeterlin

Follow Kiah

]]> 2519 BNC Squared: AI and the Dumbest Fight in Banking In this episode of Bank Nerd Corner Squared, Kiah and Alex review some of the major announcements in banks’ favorite new topic — artificial intelligence. There’s news from the core providers and commercial banks, there’s the looming threat of Mythos and there’s some regulatory revisioning of model risk management and what that means for AI. They also chat about tack-on effects, like the lack of, and need for, standard-setting groups and the evolution of the management consulting industry. They move to the other big story in financial services: the never-ending political fight over stablecoin yield. They also do a lightning round of takes on LendingClub’s name change and PayPal’s settlement with the Department of Justice for lending violations on not-loans. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex LinkedIn: https://www.linkedin.com/in/alexhjohnson https://www.youtube.com/@FintechTakes Thu, 21 May 2026 15:30:00 -0000 full Kiah Haslett In this episode of Bank Nerd Corner Squared, Kiah and Alex review some of the major announcements in banks’ favorite new topic — artificial intelligence. There’s news from the core providers and commercial banks, there’s the looming threat of Mythos and there’s some regulatory revisioning of model risk management and what that means for AI. They also chat about tack-on effects, like the lack of, and need for, standard-setting groups and the evolution of the management consulting industry. They move to the other big story in financial services: the never-ending political fight over stablecoin yield. They also do a lightning round of takes on LendingClub’s name change and PayPal’s settlement with the Department of Justice for lending violations on not-loans. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex LinkedIn: https://www.linkedin.com/in/alexhjohnson https://www.youtube.com/@FintechTakes In this episode of Bank Nerd Corner Squared, Kiah and Alex review some of the major announcements in banks’ favorite new topic — artificial intelligence.

There’s news from the core providers and commercial banks, there’s the looming threat of Mythos and there’s some regulatory revisioning of model risk management and what that means for AI.

They also chat about tack-on effects, like the lack of, and need for, standard-setting groups and the evolution of the management consulting industry.

They move to the other big story in financial services: the never-ending political fight over stablecoin yield.

They also do a lightning round of takes on LendingClub’s name change and PayPal’s settlement with the Department of Justice for lending violations on not-loans.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow Kiah

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow Alex

LinkedIn: https://www.linkedin.com/in/alexhjohnson


https://www.youtube.com/@FintechTakes

]]> 4316 Are Commercial Payments Rocket Science? This week on Bank Nerd Corner, Kiah is joined by Darren Beyer, Chief Product Officer at Qolo, a payments infrastructure platform that works with banks on commercial payments, card issuing and treasury management. Darren's path to fintech is unlike most: he spent his early career at NASA working on space shuttle missions — and he says payments are actually more complex!  Banks are often limited by their core — most of which are decades old and designed for a world of next-day ACH settlement and basic debit cards — if they want to innovate and update their commercial payment capabilities. At the same time, they’re fending off fintech competitors that have designed polished user experiences that offer a compelling reason for commercial customers to leave their banks.  Darren also talks about why compliance teams hold the trump card in any bank technology decision, why stitching together point solutions creates a finger-pointing mess when something goes wrong and who needs to be involved to make these projects smooth and successful.  Check out the latest impact report from Qolo and Fintech Takes Banking: “5 Takeaways from Top Execs on Treasury Management" --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠ --- Follow Darren on LinkedIn Follow Kiah on LinkedIn and X Thu, 14 May 2026 18:39:00 -0000 full Kiah Haslett This week on Bank Nerd Corner, Kiah is joined by Darren Beyer, Chief Product Officer at Qolo, a payments infrastructure platform that works with banks on commercial payments, card issuing and treasury management. Darren's path to fintech is unlike most: he spent his early career at NASA working on space shuttle missions — and he says payments are actually more complex!  Banks are often limited by their core — most of which are decades old and designed for a world of next-day ACH settlement and basic debit cards — if they want to innovate and update their commercial payment capabilities. At the same time, they’re fending off fintech competitors that have designed polished user experiences that offer a compelling reason for commercial customers to leave their banks.  Darren also talks about why compliance teams hold the trump card in any bank technology decision, why stitching together point solutions creates a finger-pointing mess when something goes wrong and who needs to be involved to make these projects smooth and successful.  Check out the latest impact report from Qolo and Fintech Takes Banking: “5 Takeaways from Top Execs on Treasury Management" --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠ --- Follow Darren on LinkedIn Follow Kiah on LinkedIn and X This week on Bank Nerd Corner, Kiah is joined by Darren Beyer, Chief Product Officer at Qolo, a payments infrastructure platform that works with banks on commercial payments, card issuing and treasury management.

Darren's path to fintech is unlike most: he spent his early career at NASA working on space shuttle missions — and he says payments are actually more complex! 

Banks are often limited by their core — most of which are decades old and designed for a world of next-day ACH settlement and basic debit cards — if they want to innovate and update their commercial payment capabilities.

At the same time, they’re fending off fintech competitors that have designed polished user experiences that offer a compelling reason for commercial customers to leave their banks. 

Darren also talks about why compliance teams hold the trump card in any bank technology decision, why stitching together point solutions creates a finger-pointing mess when something goes wrong and who needs to be involved to make these projects smooth and successful. 

Check out the latest impact report from Qolo and Fintech Takes Banking: “5 Takeaways from Top Execs on Treasury Management"

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠

---

Follow Darren on LinkedIn

Follow Kiah on LinkedIn and X

]]> 2546 BNC Closing Credits: Are We Cornering the “Trading Places” Market? In this latest episode of “Closing Credits,” Kiah and Catherine are joined by John Heltman, Washington bureau chief at American Banker, to discuss the 1983 comedy “Trading Places.”  “Trading Places” is a rich text. Kiah, John and Catherine discuss commodities fraud, fraught social themes and pork belly futures as well as what constitutes a Christmas movie. John, a former CFTC reporter, explains the origin of the so-called Eddie Murphy Rule — a provision of the Dodd-Frank Act that complicates this movie’s ability to be remade.  --- Closing Credits is a podcast focused on recapping movies with banking, money or finance themes. As of this recording, listeners can rent “Trading Places” for themselves at various streaming services online.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Catherine LinkedIn: https://www.linkedin.com/in/catherine-leffert/ Follow John LinekdIn: https://www.linkedin.com/in/john-heltman-84b6b4a/ Thu, 07 May 2026 22:28:00 -0000 full Kiah Haslett In this latest episode of “Closing Credits,” Kiah and Catherine are joined by John Heltman, Washington bureau chief at American Banker, to discuss the 1983 comedy “Trading Places.”  “Trading Places” is a rich text. Kiah, John and Catherine discuss commodities fraud, fraught social themes and pork belly futures as well as what constitutes a Christmas movie. John, a former CFTC reporter, explains the origin of the so-called Eddie Murphy Rule — a provision of the Dodd-Frank Act that complicates this movie’s ability to be remade.  --- Closing Credits is a podcast focused on recapping movies with banking, money or finance themes. As of this recording, listeners can rent “Trading Places” for themselves at various streaming services online.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Catherine LinkedIn: https://www.linkedin.com/in/catherine-leffert/ Follow John LinekdIn: https://www.linkedin.com/in/john-heltman-84b6b4a/ In this latest episode of “Closing Credits,” Kiah and Catherine are joined by John Heltman, Washington bureau chief at American Banker, to discuss the 1983 comedy “Trading Places.” 

“Trading Places” is a rich text. Kiah, John and Catherine discuss commodities fraud, fraught social themes and pork belly futures as well as what constitutes a Christmas movie.

John, a former CFTC reporter, explains the origin of the so-called Eddie Murphy Rule — a provision of the Dodd-Frank Act that complicates this movie’s ability to be remade. 

---

Closing Credits is a podcast focused on recapping movies with banking, money or finance themes. As of this recording, listeners can rent “Trading Places” for themselves at various streaming services online. 

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow Catherine

LinkedIn: https://www.linkedin.com/in/catherine-leffert/


Follow John

LinekdIn: https://www.linkedin.com/in/john-heltman-84b6b4a/

]]> 3437 What Regulators Got Wrong with Banking as a Service Bank Nerd Corner dives deep into Cornell Law Professor Dan Awrey's new paper, “Banking, Technology, and Instability,” and welcomes guest discussant Jason Mikula, an independent journalist who wrote a book on the topic and publishes the Fintech Business Weekly newsletter. Dan and Jason discuss how they framed and conceptualized the banking as a service business model and why that matters. Dan says banking as a service inverts the traditional outsourcing model; today's consumer knows their app and has no idea whether there is a bank behind it at all. In his book, Jason characterized the same phenomenon as a disaggregation of the banking value chain, focusing on how revenue and function are divided among fintechs, middleware providers and partner banks. They explore the regulatory response to BaaS, including what regulators don’t understand, why the interagency third-party risk management guidance mostly missed the point and the policy proposals that Dan has suggested that will never happen. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan Twitter: https://x.com/DanAwrey Linkedin: https://www.linkedin.com/in/brian-fritzsche-86838a77/ Read “Banking, Technology, and Instability:” https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6276878 Follow Jason Linked: https://www.linkedin.com/in/jasonmikula/ Twitter: https://x.com/mikulaja Thu, 30 Apr 2026 23:33:00 -0000 full Kiah Haslett Bank Nerd Corner dives deep into Cornell Law Professor Dan Awrey's new paper, “Banking, Technology, and Instability,” and welcomes guest discussant Jason Mikula, an independent journalist who wrote a book on the topic and publishes the Fintech Business Weekly newsletter. Dan and Jason discuss how they framed and conceptualized the banking as a service business model and why that matters. Dan says banking as a service inverts the traditional outsourcing model; today's consumer knows their app and has no idea whether there is a bank behind it at all. In his book, Jason characterized the same phenomenon as a disaggregation of the banking value chain, focusing on how revenue and function are divided among fintechs, middleware providers and partner banks. They explore the regulatory response to BaaS, including what regulators don’t understand, why the interagency third-party risk management guidance mostly missed the point and the policy proposals that Dan has suggested that will never happen. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan Twitter: https://x.com/DanAwrey Linkedin: https://www.linkedin.com/in/brian-fritzsche-86838a77/ Read “Banking, Technology, and Instability:” https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6276878 Follow Jason Linked: https://www.linkedin.com/in/jasonmikula/ Twitter: https://x.com/mikulaja Bank Nerd Corner dives deep into Cornell Law Professor Dan Awrey's new paper, “Banking, Technology, and Instability,” and welcomes guest discussant Jason Mikula, an independent journalist who wrote a book on the topic and publishes the Fintech Business Weekly newsletter.

Dan and Jason discuss how they framed and conceptualized the banking as a service business model and why that matters.

Dan says banking as a service inverts the traditional outsourcing model; today's consumer knows their app and has no idea whether there is a bank behind it at all.

In his book, Jason characterized the same phenomenon as a disaggregation of the banking value chain, focusing on how revenue and function are divided among fintechs, middleware providers and partner banks.

They explore the regulatory response to BaaS, including what regulators don’t understand, why the interagency third-party risk management guidance mostly missed the point and the policy proposals that Dan has suggested that will never happen.

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah


Follow Dan


Follow Jason


]]> 3443 BNC Squared: Conference Chat and Story Roundup In this episode of Bank Nerd Corner Squared, Alex is back with dispatches from both ends of the spring conference circuit: Fintech Meetup and a fintech event hosted by the Bank of North Dakota, the only state-owned bank in the country.  Alex shared why he’s increasingly believes that artificial intelligence may be more immediately impactful for community banks than for the largest institutions, and how it could revolutionize their workforce and expand their talent pools.  Next, Kiah and Alex do a timed overview of four different news stories: The White House Council of Economic Advisers report on yield-bearing stablecoins Regulatory changes that make it easier for banks to engage in mortgage and leveraged lending Chime's newest Prime membership tier; and news that Citibank may be allowed to acquire a bank They then chat about some major acquisition news in their industry — newsletters — as well as related questions about credibility, editorial independence and the business of business storytelling. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠ Follow Kiah: LinkedIn:⁠ https://www.linkedin.com/in/khaslett/⁠ Twitter:⁠ https://twitter.com/khaslett⁠ YouTube: https://www.youtube.com/@BankNerdCorner Follow Alex:  YouTube: https://www.youtube.com/@FintechTakesLinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 23 Apr 2026 17:47:00 -0000 full Kiah Haslett In this episode of Bank Nerd Corner Squared, Alex is back with dispatches from both ends of the spring conference circuit: Fintech Meetup and a fintech event hosted by the Bank of North Dakota, the only state-owned bank in the country.  Alex shared why he’s increasingly believes that artificial intelligence may be more immediately impactful for community banks than for the largest institutions, and how it could revolutionize their workforce and expand their talent pools.  Next, Kiah and Alex do a timed overview of four different news stories: The White House Council of Economic Advisers report on yield-bearing stablecoins Regulatory changes that make it easier for banks to engage in mortgage and leveraged lending Chime's newest Prime membership tier; and news that Citibank may be allowed to acquire a bank They then chat about some major acquisition news in their industry — newsletters — as well as related questions about credibility, editorial independence and the business of business storytelling. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠ Follow Kiah: LinkedIn:⁠ https://www.linkedin.com/in/khaslett/⁠ Twitter:⁠ https://twitter.com/khaslett⁠ YouTube: https://www.youtube.com/@BankNerdCorner Follow Alex:  YouTube: https://www.youtube.com/@FintechTakesLinkedIn: https://www.linkedin.com/in/alexhjohnson In this episode of Bank Nerd Corner Squared, Alex is back with dispatches from both ends of the spring conference circuit: Fintech Meetup and a fintech event hosted by the Bank of North Dakota, the only state-owned bank in the country. 

Alex shared why he’s increasingly believes that artificial intelligence may be more immediately impactful for community banks than for the largest institutions, and how it could revolutionize their workforce and expand their talent pools. 

Next, Kiah and Alex do a timed overview of four different news stories:

  • The White House Council of Economic Advisers report on yield-bearing stablecoins
  • Regulatory changes that make it easier for banks to engage in mortgage and leveraged lending
  • Chime's newest Prime membership tier; and news that Citibank may be allowed to acquire a bank

They then chat about some major acquisition news in their industry — newsletters — as well as related questions about credibility, editorial independence and the business of business storytelling.

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: ⁠https://fintechtakes.com/banking/newsletter-subscription/⁠


Follow Kiah:

LinkedIn:⁠ https://www.linkedin.com/in/khaslett/⁠

Twitter:⁠ https://twitter.com/khaslett⁠

YouTube: https://www.youtube.com/@BankNerdCorner


Follow Alex: 

YouTube: https://www.youtube.com/@FintechTakes
LinkedIn: https://www.linkedin.com/in/alexhjohnson

]]> 4691 The Pernicious Fraud Problem (Live from CBA Live 2026) Bank Nerd Corner welcomes Brian Fritzsche, Associate General Counsel and Vice President at the Consumer Bankers Association (CBA), for a conversation about the fraud ecosystem and potential policy responses recorded at CBA Live 2026 in San Diego. Brian authored CBA's comment letters to federal banking regulators on payments fraud, where he argues that banks cannot fight fraud alone. As part of their conversation, Kiah and Brian discuss the landscape around fraud and scams, including the disconnect between where fraud originates and where banks enter the picture. He explains why banks need a legal safe harbor to share fraud data and why a centralized fraud data repository remains elusive despite private market solutions.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 16 Apr 2026 15:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Brian Fritzsche, Associate General Counsel and Vice President at the Consumer Bankers Association (CBA), for a conversation about the fraud ecosystem and potential policy responses recorded at CBA Live 2026 in San Diego. Brian authored CBA's comment letters to federal banking regulators on payments fraud, where he argues that banks cannot fight fraud alone. As part of their conversation, Kiah and Brian discuss the landscape around fraud and scams, including the disconnect between where fraud originates and where banks enter the picture. He explains why banks need a legal safe harbor to share fraud data and why a centralized fraud data repository remains elusive despite private market solutions.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Brian Fritzsche, Associate General Counsel and Vice President at the Consumer Bankers Association (CBA), for a conversation about the fraud ecosystem and potential policy responses recorded at CBA Live 2026 in San Diego.

Brian authored CBA's comment letters to federal banking regulators on payments fraud, where he argues that banks cannot fight fraud alone.

As part of their conversation, Kiah and Brian discuss the landscape around fraud and scams, including the disconnect between where fraud originates and where banks enter the picture. He explains why banks need a legal safe harbor to share fraud data and why a centralized fraud data repository remains elusive despite private market solutions. 

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 2401 How Fifth Third Uses AI in Credit (Live from CBA Live 2026) Bank Nerd Corner welcomes Jay Budzik, Senior Vice President at Fifth Third Bank, for a conversation recorded at CBA Live 2026 in San Diego. Jay Budzik is no stranger to artificial intelligence and uses his unusual resume and expertise to help Fifth Third leverage AI in its credit, lending and fraud functions. He shares which loan types and stages of the credit lifecycle are best suited for AI deployment, the governance framework required at a regional bank and offers practical advice for community and regional banks that feel behind on AI adoption. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Jay LinkedIn: ⁠https://www.linkedin.com/in/jaybudzik/⁠ Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Fri, 10 Apr 2026 00:04:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Jay Budzik, Senior Vice President at Fifth Third Bank, for a conversation recorded at CBA Live 2026 in San Diego. Jay Budzik is no stranger to artificial intelligence and uses his unusual resume and expertise to help Fifth Third leverage AI in its credit, lending and fraud functions. He shares which loan types and stages of the credit lifecycle are best suited for AI deployment, the governance framework required at a regional bank and offers practical advice for community and regional banks that feel behind on AI adoption. --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Jay LinkedIn: ⁠https://www.linkedin.com/in/jaybudzik/⁠ Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Jay Budzik, Senior Vice President at Fifth Third Bank, for a conversation recorded at CBA Live 2026 in San Diego.

Jay Budzik is no stranger to artificial intelligence and uses his unusual resume and expertise to help Fifth Third leverage AI in its credit, lending and fraud functions. He shares which loan types and stages of the credit lifecycle are best suited for AI deployment, the governance framework required at a regional bank and offers practical advice for community and regional banks that feel behind on AI adoption.

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it.

Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow Jay


Follow Kiah

]]> 2494 BNC Closing Credits: Can You Explain 'Margin Call' Like a Golden Retriever? Bank Nerd Corner is excited to premier Closing Credits, a series where Kiah, joined by friend and American Banker reporter Catherine Leffert, discuss movies with banking, money or finance themes. For their debut episode, Kiah and Catherine rewatched the 2011 workplace drama 'Margin Call'. There’s a lot to discuss: the 2008 financial crisis, the crazy organizational chart, what they wish the movie had included, favorite quotes and what feels relevant today. As of this recording, listeners can watch 'Margin Call' for themselves for free on Amazon Prime. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Catherine: https://www.linkedin.com/in/catherine-leffert/ Thu, 02 Apr 2026 17:30:00 -0000 full Kiah Haslett Bank Nerd Corner is excited to premier Closing Credits, a series where Kiah, joined by friend and American Banker reporter Catherine Leffert, discuss movies with banking, money or finance themes. For their debut episode, Kiah and Catherine rewatched the 2011 workplace drama 'Margin Call'. There’s a lot to discuss: the 2008 financial crisis, the crazy organizational chart, what they wish the movie had included, favorite quotes and what feels relevant today. As of this recording, listeners can watch 'Margin Call' for themselves for free on Amazon Prime. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Catherine: https://www.linkedin.com/in/catherine-leffert/ Bank Nerd Corner is excited to premier Closing Credits, a series where Kiah, joined by friend and American Banker reporter Catherine Leffert, discuss movies with banking, money or finance themes.

For their debut episode, Kiah and Catherine rewatched the 2011 workplace drama 'Margin Call'.

There’s a lot to discuss: the 2008 financial crisis, the crazy organizational chart, what they wish the movie had included, favorite quotes and what feels relevant today.

As of this recording, listeners can watch 'Margin Call' for themselves for free on Amazon Prime.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow Kiah

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Catherine: https://www.linkedin.com/in/catherine-leffert/


]]> 3350 What Drives Bank Branch Closures? Bank Nerd Corner welcomes Rajesh Narayanan, a professor in the Department of Finance at Louisiana State University. Rajesh recently coauthored a paper titled “The Decline of Branch Banking,” which was presented at the 2025 Community Bank Research Conference. Kiah and Rajesh discuss how the restructuring of the U.S. bank branch network is driven primarily by deposit activity, not lending. Rajesh explains how interest rates and depositors’ comfort with digital banking increasingly factor into the value that banks derive from their deposit franchise. The paper found that banks are more likely to close branches in areas where deposits are "hot" or flighty, and where customers don't place high value on physical proximity to a branch. Kiah and Rajesh explore whether banks’ ability to pay below-market rates on deposits will survive in an increasingly digital world. Rajesh also discusses what regional bank CEOs should consider when rationalizing their branch networks, and why deposit acquisition and retention costs should guide their strategies. Read “The Decline of Branch Banking” here: https://www.communitybanking.org/-/media/files/communitybanking/2025-papers/rs1_p1_rajesh-narayanan_the-decline-of-branch-banking.pdf?sc_lang=en Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Narayanan: Linkedin: https://www.linkedin.com/in/rajesh-narayanan-a4954031 Thu, 26 Mar 2026 18:30:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Rajesh Narayanan, a professor in the Department of Finance at Louisiana State University. Rajesh recently coauthored a paper titled “The Decline of Branch Banking,” which was presented at the 2025 Community Bank Research Conference. Kiah and Rajesh discuss how the restructuring of the U.S. bank branch network is driven primarily by deposit activity, not lending. Rajesh explains how interest rates and depositors’ comfort with digital banking increasingly factor into the value that banks derive from their deposit franchise. The paper found that banks are more likely to close branches in areas where deposits are "hot" or flighty, and where customers don't place high value on physical proximity to a branch. Kiah and Rajesh explore whether banks’ ability to pay below-market rates on deposits will survive in an increasingly digital world. Rajesh also discusses what regional bank CEOs should consider when rationalizing their branch networks, and why deposit acquisition and retention costs should guide their strategies. Read “The Decline of Branch Banking” here: https://www.communitybanking.org/-/media/files/communitybanking/2025-papers/rs1_p1_rajesh-narayanan_the-decline-of-branch-banking.pdf?sc_lang=en Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Narayanan: Linkedin: https://www.linkedin.com/in/rajesh-narayanan-a4954031 Bank Nerd Corner welcomes Rajesh Narayanan, a professor in the Department of Finance at Louisiana State University. Rajesh recently coauthored a paper titled “The Decline of Branch Banking,” which was presented at the 2025 Community Bank Research Conference.

Kiah and Rajesh discuss how the restructuring of the U.S. bank branch network is driven primarily by deposit activity, not lending. Rajesh explains how interest rates and depositors’ comfort with digital banking increasingly factor into the value that banks derive from their deposit franchise. The paper found that banks are more likely to close branches in areas where deposits are "hot" or flighty, and where customers don't place high value on physical proximity to a branch.

Kiah and Rajesh explore whether banks’ ability to pay below-market rates on deposits will survive in an increasingly digital world. Rajesh also discusses what regional bank CEOs should consider when rationalizing their branch networks, and why deposit acquisition and retention costs should guide their strategies.

Read “The Decline of Branch Banking” here: https://www.communitybanking.org/-/media/files/communitybanking/2025-papers/rs1_p1_rajesh-narayanan_the-decline-of-branch-banking.pdf?sc_lang=en

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Professor Narayanan:

Linkedin: https://www.linkedin.com/in/rajesh-narayanan-a4954031


]]> 3073 BNC Squared: Kraken, Private Credit and Chase <3 Branches In March’s episode of Bank Nerd Corner Squared, Kiah and Alex spend some time with the biggest stories in the nonbank finance space.  First up is the surprise news that Kraken was approved for a limited Federal Reserve payment account, a little more than a month after the comment period closed on the Fed’s skinny account proposal. They then chat about private credit, including a brief history and the concerns behind the headlines we’re seeing today. Finally, they return to the bank space to talk about a more traditional channel: branches. Specifically, why is Chase opening so many? --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex Fintech Takes on YouTube: https://youtube.com/@fintechtakes?si=OcRlAi5F2UYIMl9Q LinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 19 Mar 2026 12:45:00 -0000 full Kiah Haslett In March’s episode of Bank Nerd Corner Squared, Kiah and Alex spend some time with the biggest stories in the nonbank finance space.  First up is the surprise news that Kraken was approved for a limited Federal Reserve payment account, a little more than a month after the comment period closed on the Fed’s skinny account proposal. They then chat about private credit, including a brief history and the concerns behind the headlines we’re seeing today. Finally, they return to the bank space to talk about a more traditional channel: branches. Specifically, why is Chase opening so many? --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ --- Follow Kiah LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex Fintech Takes on YouTube: https://youtube.com/@fintechtakes?si=OcRlAi5F2UYIMl9Q LinkedIn: https://www.linkedin.com/in/alexhjohnson In March’s episode of Bank Nerd Corner Squared, Kiah and Alex spend some time with the biggest stories in the nonbank finance space. 

First up is the surprise news that Kraken was approved for a limited Federal Reserve payment account, a little more than a month after the comment period closed on the Fed’s skinny account proposal.

They then chat about private credit, including a brief history and the concerns behind the headlines we’re seeing today. Finally, they return to the bank space to talk about a more traditional channel: branches. Specifically, why is Chase opening so many?

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

---

Follow Kiah

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow Alex

Fintech Takes on YouTube: https://youtube.com/@fintechtakes?si=OcRlAi5F2UYIMl9Q


LinkedIn: https://www.linkedin.com/in/alexhjohnson

]]> 4378 Capitalizing on AI’s Level Playing Field Bank Nerd Corner welcomes Madeline Fredin, Vice President of Partnership Strategy at Alloy Labs Alliance. Madeline is an AI whisperer for Alloy Labs Alliance banks, where she helps them figure out how to deploy AI and even think about what a “black box” bank of the future could look like.  Madeline shares the story of IBM’s Deep Blue, a supercomputer chess bot that beat a grandmaster in 1997, to show how it figures out new ways to accomplish tasks. She and Kiah talk about how artificial intelligence has created a level playing field for institutions right now, if banks can figure out how to capitalize on it. To do that, they’ll need to come up with new skills to build agents and new governance to oversee them.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Madeline: LinkedIn: https://www.linkedin.com/in/madelinemtaylor/ Thu, 12 Mar 2026 10:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Madeline Fredin, Vice President of Partnership Strategy at Alloy Labs Alliance. Madeline is an AI whisperer for Alloy Labs Alliance banks, where she helps them figure out how to deploy AI and even think about what a “black box” bank of the future could look like.  Madeline shares the story of IBM’s Deep Blue, a supercomputer chess bot that beat a grandmaster in 1997, to show how it figures out new ways to accomplish tasks. She and Kiah talk about how artificial intelligence has created a level playing field for institutions right now, if banks can figure out how to capitalize on it. To do that, they’ll need to come up with new skills to build agents and new governance to oversee them.  --- Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Madeline: LinkedIn: https://www.linkedin.com/in/madelinemtaylor/ Bank Nerd Corner welcomes Madeline Fredin, Vice President of Partnership Strategy at Alloy Labs Alliance.

Madeline is an AI whisperer for Alloy Labs Alliance banks, where she helps them figure out how to deploy AI and even think about what a “black box” bank of the future could look like. 

Madeline shares the story of IBM’s Deep Blue, a supercomputer chess bot that beat a grandmaster in 1997, to show how it figures out new ways to accomplish tasks.

She and Kiah talk about how artificial intelligence has created a level playing field for institutions right now, if banks can figure out how to capitalize on it. To do that, they’ll need to come up with new skills to build agents and new governance to oversee them. 

---

Fintech Takes Banking is the weekly newsletter for bank execs who get it.

Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow Madeline:

LinkedIn: https://www.linkedin.com/in/madelinemtaylor/


]]> 2825 Fraud 30 Under 30 Alex Johnson of Fintech Takes and Jason Mikula of Fintech Business Weekly join this very special episode of Bank Nerd Corner to talk about white-collar crime and the Forbes 30 for 30 list. The Forbes list identifies up-and-coming tastemakers, entrepreneurs, leaders and the occasional fraudster. Jason and Alex chat about their relationship to white collar crime before moving to a little show-and-tell about four names on the more infamous Fraud 30 for 30 list. The gang discusses about the incentives that surround these crimes, victims and the continuum of criminality. Buckle up for a compelling and fun chat! Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Follow Jason: Substack: https://fintechbusinessweekly.substack.com/ Linkedin: https://www.linkedin.com/in/jasonmikula/ Twitter: https://x.com/mikulaja?lang=en Thu, 05 Mar 2026 19:14:00 -0000 full Kiah Haslett Alex Johnson of Fintech Takes and Jason Mikula of Fintech Business Weekly join this very special episode of Bank Nerd Corner to talk about white-collar crime and the Forbes 30 for 30 list. The Forbes list identifies up-and-coming tastemakers, entrepreneurs, leaders and the occasional fraudster. Jason and Alex chat about their relationship to white collar crime before moving to a little show-and-tell about four names on the more infamous Fraud 30 for 30 list. The gang discusses about the incentives that surround these crimes, victims and the continuum of criminality. Buckle up for a compelling and fun chat! Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Follow Jason: Substack: https://fintechbusinessweekly.substack.com/ Linkedin: https://www.linkedin.com/in/jasonmikula/ Twitter: https://x.com/mikulaja?lang=en Alex Johnson of Fintech Takes and Jason Mikula of Fintech Business Weekly join this very special episode of Bank Nerd Corner to talk about white-collar crime and the Forbes 30 for 30 list.

The Forbes list identifies up-and-coming tastemakers, entrepreneurs, leaders and the occasional fraudster. Jason and Alex chat about their relationship to white collar crime before moving to a little show-and-tell about four names on the more infamous Fraud 30 for 30 list. The gang discusses about the incentives that surround these crimes, victims and the continuum of criminality. Buckle up for a compelling and fun chat!

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson

Follow Jason:

Substack: https://fintechbusinessweekly.substack.com/

Linkedin: https://www.linkedin.com/in/jasonmikula/

Twitter: https://x.com/mikulaja?lang=en

]]> 5708 Faster Payments NOW Bank Nerd Corner welcomes Bernadette Ksepka, senior vice president and deputy head of product management for the Federal Reserve System’s FedNow Service. FedNow is a real-time clearing and settlement service that supports instant payments in the United States. It was developed and launched by the Federal Reserve Banks in summer 2023. Bernadette shares her observations about how the first three years of the network have gone, and the growth and adoption trends she’s seen over that time. The network is growing but has connections to less than a quarter of total financial institutions in the country, which represent about 50% of deposit accounts. But a variety of use cases are popping up, which may drive broader future adoption.  Kiah and Bernadette also discuss the shifts and adjustments financial institutions need to make so they can successfully implement instant payments and navigate the accelerating pace of change.  Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Bernadette: Linkedin: https://www.linkedin.com/in/bernadette-ksepka-bbb4212/ Thu, 26 Feb 2026 12:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Bernadette Ksepka, senior vice president and deputy head of product management for the Federal Reserve System’s FedNow Service. FedNow is a real-time clearing and settlement service that supports instant payments in the United States. It was developed and launched by the Federal Reserve Banks in summer 2023. Bernadette shares her observations about how the first three years of the network have gone, and the growth and adoption trends she’s seen over that time. The network is growing but has connections to less than a quarter of total financial institutions in the country, which represent about 50% of deposit accounts. But a variety of use cases are popping up, which may drive broader future adoption.  Kiah and Bernadette also discuss the shifts and adjustments financial institutions need to make so they can successfully implement instant payments and navigate the accelerating pace of change.  Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Bernadette: Linkedin: https://www.linkedin.com/in/bernadette-ksepka-bbb4212/ Bank Nerd Corner welcomes Bernadette Ksepka, senior vice president and deputy head of product management for the Federal Reserve System’s FedNow Service.

FedNow is a real-time clearing and settlement service that supports instant payments in the United States. It was developed and launched by the Federal Reserve Banks in summer 2023. Bernadette shares her observations about how the first three years of the network have gone, and the growth and adoption trends she’s seen over that time.

The network is growing but has connections to less than a quarter of total financial institutions in the country, which represent about 50% of deposit accounts. But a variety of use cases are popping up, which may drive broader future adoption. 

Kiah and Bernadette also discuss the shifts and adjustments financial institutions need to make so they can successfully implement instant payments and navigate the accelerating pace of change. 

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Bernadette:

Linkedin: https://www.linkedin.com/in/bernadette-ksepka-bbb4212/


]]> 3198 BNC Squared: Everything Old is New Again In February’s episode of Bank Nerd Corner Squared, Kiah and Alex explore new updates while treading familiar ground. Over the past couple of years, they’ve discussed different charter types and the regulators that approve them, de novo banking and accounting treatments. Under the second administration of President Donald Trump, these themes have found new life, interest and activity.  They chat about the nation’s newest bank, the proposed skinny master account and a new user of fair value accounting before turning their attention to a newly approved deposit application for an industrial bank with a history. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 19 Feb 2026 12:00:00 -0000 full Kiah Haslett In February’s episode of Bank Nerd Corner Squared, Kiah and Alex explore new updates while treading familiar ground. Over the past couple of years, they’ve discussed different charter types and the regulators that approve them, de novo banking and accounting treatments. Under the second administration of President Donald Trump, these themes have found new life, interest and activity.  They chat about the nation’s newest bank, the proposed skinny master account and a new user of fair value accounting before turning their attention to a newly approved deposit application for an industrial bank with a history. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson In February’s episode of Bank Nerd Corner Squared, Kiah and Alex explore new updates while treading familiar ground.

Over the past couple of years, they’ve discussed different charter types and the regulators that approve them, de novo banking and accounting treatments. Under the second administration of President Donald Trump, these themes have found new life, interest and activity. 

They chat about the nation’s newest bank, the proposed skinny master account and a new user of fair value accounting before turning their attention to a newly approved deposit application for an industrial bank with a history.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson

]]> 5389 Banker’s Hours with Provident Bank’s Michael Perito Bank Nerd Corner welcomes Michael Perito, senior vice president and head of corporate strategy at Jersey City, New Jersey-based Provident Bank. Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Mike and Kiah talk about his career trajectory of covering banks as a sell-side equity analyst to joining Provident Financial Services, where he helps build and execute the $25 billion bank’s strategy. They discuss a few trends he expects to see in 2026, including why he thinks interest in bank deals will remain high and how fintech competitors should affect how banks think about their core customers. They also explore what it means to be a high-performing bank and whether and when asset size matters in banking.  Follow Mike on LinkedIn: https://www.linkedin.com/in/michael-perito-5b761023/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 12 Feb 2026 21:58:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Michael Perito, senior vice president and head of corporate strategy at Jersey City, New Jersey-based Provident Bank. Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Mike and Kiah talk about his career trajectory of covering banks as a sell-side equity analyst to joining Provident Financial Services, where he helps build and execute the $25 billion bank’s strategy. They discuss a few trends he expects to see in 2026, including why he thinks interest in bank deals will remain high and how fintech competitors should affect how banks think about their core customers. They also explore what it means to be a high-performing bank and whether and when asset size matters in banking.  Follow Mike on LinkedIn: https://www.linkedin.com/in/michael-perito-5b761023/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Michael Perito, senior vice president and head of corporate strategy at Jersey City, New Jersey-based Provident Bank.

Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics. 

Mike and Kiah talk about his career trajectory of covering banks as a sell-side equity analyst to joining Provident Financial Services, where he helps build and execute the $25 billion bank’s strategy.

They discuss a few trends he expects to see in 2026, including why he thinks interest in bank deals will remain high and how fintech competitors should affect how banks think about their core customers. They also explore what it means to be a high-performing bank and whether and when asset size matters in banking. 

Follow Mike on LinkedIn: https://www.linkedin.com/in/michael-perito-5b761023/

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 3210 Are We in a Jobless Recovery? Bank Nerd Corner welcomes Heather Long, chief economist at Navy Federal Credit Union. Heather focuses on labor data and consumer health — an important topic for healthy of financial institutions and the economy writ large.  She’s seen some concerning things in the last 12 to 24 months: a K-shaped recovery and an emerging jobless boom. One reason why could be how companies are leveraging artificial intelligence to maintain or lower headcounts while maintaining productivity.  Finally, Heather and Kiah think about what financial institutions should be looking at for signs of consumer health or weakness, and how they can stay close to their consumers. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Heather: Linkedin: https://www.linkedin.com/in/hlong/ Twitter: https://x.com/byHeatherLong Fri, 06 Feb 2026 01:20:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Heather Long, chief economist at Navy Federal Credit Union. Heather focuses on labor data and consumer health — an important topic for healthy of financial institutions and the economy writ large.  She’s seen some concerning things in the last 12 to 24 months: a K-shaped recovery and an emerging jobless boom. One reason why could be how companies are leveraging artificial intelligence to maintain or lower headcounts while maintaining productivity.  Finally, Heather and Kiah think about what financial institutions should be looking at for signs of consumer health or weakness, and how they can stay close to their consumers. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Heather: Linkedin: https://www.linkedin.com/in/hlong/ Twitter: https://x.com/byHeatherLong Bank Nerd Corner welcomes Heather Long, chief economist at Navy Federal Credit Union.

Heather focuses on labor data and consumer health — an important topic for healthy of financial institutions and the economy writ large. 

She’s seen some concerning things in the last 12 to 24 months: a K-shaped recovery and an emerging jobless boom. One reason why could be how companies are leveraging artificial intelligence to maintain or lower headcounts while maintaining productivity. 

Finally, Heather and Kiah think about what financial institutions should be looking at for signs of consumer health or weakness, and how they can stay close to their consumers.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Heather:

Linkedin: https://www.linkedin.com/in/hlong/

Twitter: https://x.com/byHeatherLong


]]> 2849 A Former NYFed Supervisor on Regulation, Financial Stability and LLM Gaslighting Bank Nerd Corner welcomes Brian Peters, a veteran of the Federal Reserve Bank of New York and insurance giant AIG.  Brian writes the newsletter Perspectives on Risk, which draws on his experience in bank supervision at the New York Fed and as chief risk officer at AIG. He’s interested in financial stability, bank supervision and how technology, climate and demographics impact the economy.  Brian and Kiah discuss the different mandates of the various federal banking agencies and the unique spot the New York Fed occupies, the three approaches he’s seen when it comes to bank supervision, credit quality trends at banks and his experience trying to convince a large language model to use public data to predict bank failures.  And as promised, Brian did publish his newsletter about credit quality that he mentions during the episode, available here: https://substack.com/home/post/p-183560508. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Subscribe to Perspectives on Risk: https://perspectiveonrisk.substack.com/ Sat, 31 Jan 2026 04:55:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Brian Peters, a veteran of the Federal Reserve Bank of New York and insurance giant AIG.  Brian writes the newsletter Perspectives on Risk, which draws on his experience in bank supervision at the New York Fed and as chief risk officer at AIG. He’s interested in financial stability, bank supervision and how technology, climate and demographics impact the economy.  Brian and Kiah discuss the different mandates of the various federal banking agencies and the unique spot the New York Fed occupies, the three approaches he’s seen when it comes to bank supervision, credit quality trends at banks and his experience trying to convince a large language model to use public data to predict bank failures.  And as promised, Brian did publish his newsletter about credit quality that he mentions during the episode, available here: https://substack.com/home/post/p-183560508. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Subscribe to Perspectives on Risk: https://perspectiveonrisk.substack.com/ Bank Nerd Corner welcomes Brian Peters, a veteran of the Federal Reserve Bank of New York and insurance giant AIG. 

Brian writes the newsletter Perspectives on Risk, which draws on his experience in bank supervision at the New York Fed and as chief risk officer at AIG. He’s interested in financial stability, bank supervision and how technology, climate and demographics impact the economy. 

Brian and Kiah discuss the different mandates of the various federal banking agencies and the unique spot the New York Fed occupies, the three approaches he’s seen when it comes to bank supervision, credit quality trends at banks and his experience trying to convince a large language model to use public data to predict bank failures. 

And as promised, Brian did publish his newsletter about credit quality that he mentions during the episode, available here: https://substack.com/home/post/p-183560508.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Subscribe to Perspectives on Risk: https://perspectiveonrisk.substack.com/


]]> 3914 BNC Squared: Bank Acquisitions and Bad News In their first Bank Nerd Corner Squared episode of 2026, Kiah and Alex try their best to keep it light in the face of a lot of tough news. 2026 has been light on serious bank topics to date, but they talk about the interesting trend of fintechs buying banks, especially compared to the de novo charter applications from similar types of companies. They then hit some of the low points of the news cycle, including President Donald Trump’s proposal to cap interest rates at 10%, the grand jury subpoenas sent to the Federal Reserve Board and the announcement that the Trump family’s cryptocurrency firm, World LIberty Financial, would apply for a national trust charter. To lighten the mood, Kiah closes with a small credit card rant. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Sat, 24 Jan 2026 11:00:00 -0000 full Kiah Haslett In their first Bank Nerd Corner Squared episode of 2026, Kiah and Alex try their best to keep it light in the face of a lot of tough news. 2026 has been light on serious bank topics to date, but they talk about the interesting trend of fintechs buying banks, especially compared to the de novo charter applications from similar types of companies. They then hit some of the low points of the news cycle, including President Donald Trump’s proposal to cap interest rates at 10%, the grand jury subpoenas sent to the Federal Reserve Board and the announcement that the Trump family’s cryptocurrency firm, World LIberty Financial, would apply for a national trust charter. To lighten the mood, Kiah closes with a small credit card rant. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson In their first Bank Nerd Corner Squared episode of 2026, Kiah and Alex try their best to keep it light in the face of a lot of tough news.

2026 has been light on serious bank topics to date, but they talk about the interesting trend of fintechs buying banks, especially compared to the de novo charter applications from similar types of companies.

They then hit some of the low points of the news cycle, including President Donald Trump’s proposal to cap interest rates at 10%, the grand jury subpoenas sent to the Federal Reserve Board and the announcement that the Trump family’s cryptocurrency firm, World LIberty Financial, would apply for a national trust charter. To lighten the mood, Kiah closes with a small credit card rant.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson


]]> 4844 Strategic Planning? Try Strategic Thinking. Bank Nerd Corner welcomes Jason Henrichs, CEO at Alloy Labs Alliance. Having appeared on Breaking Banks numerous times over the year, Jason returns the favor to commemorate the New Year by ranting, reflecting and resolving with Kiah. Jason and Kiah catch up about their personal approach to resolutions before moving onto how banks should think about the work ahead of them in 2026. Jason shares the largest challenge facing banks in the Alloy Labs consortium, and they break apart what’s frustrating for us when we hear about banks’ ambitions to launch stablecoins or use artificial intelligence. They also spend some time discussing the difference between strategy and strategic planning and how not being focused and strategic can drag decision-making and due diligence. Jason also talks about what banks still don’t get about fintechs, despite the years of partnership. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Jason: https://www.linkedin.com/in/jasonhenrichs/ Learn more about the Alloy Labs Alliance: https://alloylabs.com Mon, 19 Jan 2026 23:19:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Jason Henrichs, CEO at Alloy Labs Alliance. Having appeared on Breaking Banks numerous times over the year, Jason returns the favor to commemorate the New Year by ranting, reflecting and resolving with Kiah. Jason and Kiah catch up about their personal approach to resolutions before moving onto how banks should think about the work ahead of them in 2026. Jason shares the largest challenge facing banks in the Alloy Labs consortium, and they break apart what’s frustrating for us when we hear about banks’ ambitions to launch stablecoins or use artificial intelligence. They also spend some time discussing the difference between strategy and strategic planning and how not being focused and strategic can drag decision-making and due diligence. Jason also talks about what banks still don’t get about fintechs, despite the years of partnership. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Jason: https://www.linkedin.com/in/jasonhenrichs/ Learn more about the Alloy Labs Alliance: https://alloylabs.com Bank Nerd Corner welcomes Jason Henrichs, CEO at Alloy Labs Alliance.

Having appeared on Breaking Banks numerous times over the year, Jason returns the favor to commemorate the New Year by ranting, reflecting and resolving with Kiah. Jason and Kiah catch up about their personal approach to resolutions before moving onto how banks should think about the work ahead of them in 2026.

Jason shares the largest challenge facing banks in the Alloy Labs consortium, and they break apart what’s frustrating for us when we hear about banks’ ambitions to launch stablecoins or use artificial intelligence.

They also spend some time discussing the difference between strategy and strategic planning and how not being focused and strategic can drag decision-making and due diligence. Jason also talks about what banks still don’t get about fintechs, despite the years of partnership.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Jason: https://www.linkedin.com/in/jasonhenrichs/

Learn more about the Alloy Labs Alliance: https://alloylabs.com



]]> 3541 What’s in the Cards for Financial Services’ Most Ubiquitous Product? Bank Nerd Corner welcomes Matthew Goldman, the founder of credit card advisory firm Totavi. Kiah and Matthew are both what Kiah calls “maximizers” and they discuss the dozens of cards they have between them before moving onto the meat of the conversation: The Totavi 2025 recap and 2026 trends report.  Debit and credit cards are important but ubiquitous products in the financial ecosystem and in consumers’ lives. Matthew points out that many consumers interact with a card daily. This makes cards a nexus of development and innovation for both legacy banks and their nonbank competitors. Matthew shares the major themes of 2025, which include the issuance of cryptocurrency cards, the challenges of issuing credit to freelance and gig workers and how technology will alter hyperpersonalization and maybe even create super apps. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/matthewgoldman/ Read the Totavi 2025 Recap and 2026 Trend report: https://www.totavi.com/post/totavi-annual-trends-report-2025 Mon, 12 Jan 2026 11:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Matthew Goldman, the founder of credit card advisory firm Totavi. Kiah and Matthew are both what Kiah calls “maximizers” and they discuss the dozens of cards they have between them before moving onto the meat of the conversation: The Totavi 2025 recap and 2026 trends report.  Debit and credit cards are important but ubiquitous products in the financial ecosystem and in consumers’ lives. Matthew points out that many consumers interact with a card daily. This makes cards a nexus of development and innovation for both legacy banks and their nonbank competitors. Matthew shares the major themes of 2025, which include the issuance of cryptocurrency cards, the challenges of issuing credit to freelance and gig workers and how technology will alter hyperpersonalization and maybe even create super apps. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/matthewgoldman/ Read the Totavi 2025 Recap and 2026 Trend report: https://www.totavi.com/post/totavi-annual-trends-report-2025 Bank Nerd Corner welcomes Matthew Goldman, the founder of credit card advisory firm Totavi.

Kiah and Matthew are both what Kiah calls “maximizers” and they discuss the dozens of cards they have between them before moving onto the meat of the conversation: The Totavi 2025 recap and 2026 trends report. 

Debit and credit cards are important but ubiquitous products in the financial ecosystem and in consumers’ lives. Matthew points out that many consumers interact with a card daily. This makes cards a nexus of development and innovation for both legacy banks and their nonbank competitors.

Matthew shares the major themes of 2025, which include the issuance of cryptocurrency cards, the challenges of issuing credit to freelance and gig workers and how technology will alter hyperpersonalization and maybe even create super apps.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Dan: https://www.linkedin.com/in/matthewgoldman/

Read the Totavi 2025 Recap and 2026 Trend report: https://www.totavi.com/post/totavi-annual-trends-report-2025


]]> 3265 Why Don’t Uninsured Deposits Take Losses Anymore? Bank Nerd Corner welcomes Michael Ohlrogge, a professor of Law at New York University’s School of Law, to talk about the realities of uninsured deposits, deposit insurance and bank failures.  Professor Ohlrogge’s paper, “Why Have Uninsured Depositors Become De Facto Insured?,” explores how usual, or unusual, it is for uninsured depositors to take losses when a bank fails.  Ohlrogge’s research found that prior to 2008, it was common for uninsured depositors to take a haircut on their uninsured funds when their institution failed. Today, when a bank fails, it’s very normal for most, if not all, of the uninsured deposits to be assumed by the acquirer.  The shift to de facto insurance coverage for all deposits coincides with a dramatic increase in the Federal Deposit Insurance Corp.’s costs to resolve failed banks. Professor Ohlrogge and Kiah also discuss the potential implications of his paper in light of Congress considering raising the deposit insurance coverage limit. Read “Why Have Uninsured Depositors Become De Facto Insured?” here: https://nyulawreview.org/issues/volume-100-number-2/why-have-uninsured-depositors-become-de-facto-insured/ Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Ohlrogge: Linkedin: https://www.linkedin.com/in/michael-ohlrogge-70a6a76/ Twitter: https://x.com/M_Ohlrogge Thu, 18 Dec 2025 12:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Michael Ohlrogge, a professor of Law at New York University’s School of Law, to talk about the realities of uninsured deposits, deposit insurance and bank failures.  Professor Ohlrogge’s paper, “Why Have Uninsured Depositors Become De Facto Insured?,” explores how usual, or unusual, it is for uninsured depositors to take losses when a bank fails.  Ohlrogge’s research found that prior to 2008, it was common for uninsured depositors to take a haircut on their uninsured funds when their institution failed. Today, when a bank fails, it’s very normal for most, if not all, of the uninsured deposits to be assumed by the acquirer.  The shift to de facto insurance coverage for all deposits coincides with a dramatic increase in the Federal Deposit Insurance Corp.’s costs to resolve failed banks. Professor Ohlrogge and Kiah also discuss the potential implications of his paper in light of Congress considering raising the deposit insurance coverage limit. Read “Why Have Uninsured Depositors Become De Facto Insured?” here: https://nyulawreview.org/issues/volume-100-number-2/why-have-uninsured-depositors-become-de-facto-insured/ Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Ohlrogge: Linkedin: https://www.linkedin.com/in/michael-ohlrogge-70a6a76/ Twitter: https://x.com/M_Ohlrogge Bank Nerd Corner welcomes Michael Ohlrogge, a professor of Law at New York University’s School of Law, to talk about the realities of uninsured deposits, deposit insurance and bank failures. 

Professor Ohlrogge’s paper, “Why Have Uninsured Depositors Become De Facto Insured?,” explores how usual, or unusual, it is for uninsured depositors to take losses when a bank fails. 

Ohlrogge’s research found that prior to 2008, it was common for uninsured depositors to take a haircut on their uninsured funds when their institution failed. Today, when a bank fails, it’s very normal for most, if not all, of the uninsured deposits to be assumed by the acquirer. 

The shift to de facto insurance coverage for all deposits coincides with a dramatic increase in the Federal Deposit Insurance Corp.’s costs to resolve failed banks. Professor Ohlrogge and Kiah also discuss the potential implications of his paper in light of Congress considering raising the deposit insurance coverage limit.

Read “Why Have Uninsured Depositors Become De Facto Insured?” here: https://nyulawreview.org/issues/volume-100-number-2/why-have-uninsured-depositors-become-de-facto-insured/

Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Professor Ohlrogge:

Linkedin: https://www.linkedin.com/in/michael-ohlrogge-70a6a76/

Twitter: https://x.com/M_Ohlrogge

]]> 3399 BNC Squared: The Year-End and Year-Ahead Pick Two In this December episode of Bank Nerd Corner Squared, Kiah and Alex bring their “end of the year” energy to recap 2025 and look ahead to 2026. They chat about the present Alex secretly hopes he receives, as well as their gift-giving approaches. For those curious: Many stores on Etsy offer photo-realistic pillows of pets and here are the Japanese bread lamps — both hit presents Kiah has gifted! 2025 has been such a wild ride for both fintechs and banks. Alex and Kiah  discuss two trends or themes that they thought were interesting or significant in 2025, before moving on to two things they think will happen in 2026. Finally, they wrap it up by discussing resolutions for the next year.  Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 11 Dec 2025 18:25:00 -0000 full Kiah Haslett In this December episode of Bank Nerd Corner Squared, Kiah and Alex bring their “end of the year” energy to recap 2025 and look ahead to 2026. They chat about the present Alex secretly hopes he receives, as well as their gift-giving approaches. For those curious: Many stores on Etsy offer photo-realistic pillows of pets and here are the Japanese bread lamps — both hit presents Kiah has gifted! 2025 has been such a wild ride for both fintechs and banks. Alex and Kiah  discuss two trends or themes that they thought were interesting or significant in 2025, before moving on to two things they think will happen in 2026. Finally, they wrap it up by discussing resolutions for the next year.  Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson In this December episode of Bank Nerd Corner Squared, Kiah and Alex bring their “end of the year” energy to recap 2025 and look ahead to 2026.

They chat about the present Alex secretly hopes he receives, as well as their gift-giving approaches. For those curious: Many stores on Etsy offer photo-realistic pillows of pets and here are the Japanese bread lamps — both hit presents Kiah has gifted!

2025 has been such a wild ride for both fintechs and banks. Alex and Kiah  discuss two trends or themes that they thought were interesting or significant in 2025, before moving on to two things they think will happen in 2026. Finally, they wrap it up by discussing resolutions for the next year. 

Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠.

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson


]]> 4962 The Old and New Legal Challenges to Exporting Interest Rates Bank Nerd Corner welcomes Andrew Grant, a regulatory attorney at Runway Group, to discuss the 1978 U.S. Supreme Court case Marquette National Bank of Minneapolis v. First of Omaha Service Corp.  This seminal banking case involves national banks, interest rate exportation across states and the important question of where a loan is made. This decision and a subsequent act of Congress made interest rate exportation a mostly settled question for decades and led to an explosion of nation-wide competition for credit products, but will that be true going forward? Andrew shares how a recent court case and potential actions from state legislatures throw a new wrench into the mostly unchanged landscape of where loans are made and what that means for the interest rates they carry.   Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Andrew: https://www.linkedin.com/in/andrew-w-grant-24667315/ Thu, 04 Dec 2025 12:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Andrew Grant, a regulatory attorney at Runway Group, to discuss the 1978 U.S. Supreme Court case Marquette National Bank of Minneapolis v. First of Omaha Service Corp.  This seminal banking case involves national banks, interest rate exportation across states and the important question of where a loan is made. This decision and a subsequent act of Congress made interest rate exportation a mostly settled question for decades and led to an explosion of nation-wide competition for credit products, but will that be true going forward? Andrew shares how a recent court case and potential actions from state legislatures throw a new wrench into the mostly unchanged landscape of where loans are made and what that means for the interest rates they carry.   Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Andrew: https://www.linkedin.com/in/andrew-w-grant-24667315/ Bank Nerd Corner welcomes Andrew Grant, a regulatory attorney at Runway Group, to discuss the 1978 U.S. Supreme Court case Marquette National Bank of Minneapolis v. First of Omaha Service Corp. 

This seminal banking case involves national banks, interest rate exportation across states and the important question of where a loan is made. This decision and a subsequent act of Congress made interest rate exportation a mostly settled question for decades and led to an explosion of nation-wide competition for credit products, but will that be true going forward? Andrew shares how a recent court case and potential actions from state legislatures throw a new wrench into the mostly unchanged landscape of where loans are made and what that means for the interest rates they carry.  


Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Andrew: https://www.linkedin.com/in/andrew-w-grant-24667315/


]]> 3535 Banker’s Hours with Vantage Bank’s Shawn Main Bank Nerd Corner welcomes Shawn Main, chief business architect at Vantage Bank, for this episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Many banks in the United States are wondering about the potential implications of digital assets and stablecoins for their institutions. Not Vantage Bank. Shawn shares Vantage Bank’s journey in the digital asset space. Shawn tells Kiah how the $5 billion bank unit of VBT Financial Corp. learned about blockchains, stablecoins and smart contacts, identified partners to work with and brought regulators and customers on board. They also discuss what the future of money could look like and Vantage is forming a consortium in response.  Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠. Follow Shawn on LinkedIn: https://www.linkedin.com/in/shawnmain/ Read about how Vantage Bank’s worked with DX Xpress to use tokenized U.S. dollars to make cross-border payments: https://www.vantage.bank/insights/tokenized-bank-deposit-issued-by-custodia-bank-and-vantage-bank-used-for-fast-cross-border-business-payments Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 27 Nov 2025 12:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Shawn Main, chief business architect at Vantage Bank, for this episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Many banks in the United States are wondering about the potential implications of digital assets and stablecoins for their institutions. Not Vantage Bank. Shawn shares Vantage Bank’s journey in the digital asset space. Shawn tells Kiah how the $5 billion bank unit of VBT Financial Corp. learned about blockchains, stablecoins and smart contacts, identified partners to work with and brought regulators and customers on board. They also discuss what the future of money could look like and Vantage is forming a consortium in response.  Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠. Follow Shawn on LinkedIn: https://www.linkedin.com/in/shawnmain/ Read about how Vantage Bank’s worked with DX Xpress to use tokenized U.S. dollars to make cross-border payments: https://www.vantage.bank/insights/tokenized-bank-deposit-issued-by-custodia-bank-and-vantage-bank-used-for-fast-cross-border-business-payments Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Shawn Main, chief business architect at Vantage Bank, for this episode of Banker’s Hours. 

Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics. 

Many banks in the United States are wondering about the potential implications of digital assets and stablecoins for their institutions. Not Vantage Bank. Shawn shares Vantage Bank’s journey in the digital asset space. Shawn tells Kiah how the $5 billion bank unit of VBT Financial Corp. learned about blockchains, stablecoins and smart contacts, identified partners to work with and brought regulators and customers on board. They also discuss what the future of money could look like and Vantage is forming a consortium in response. 

Taktile⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers.

Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠.


Follow Shawn on LinkedIn: https://www.linkedin.com/in/shawnmain/

Read about how Vantage Bank’s worked with DX Xpress to use tokenized U.S. dollars to make cross-border payments: https://www.vantage.bank/insights/tokenized-bank-deposit-issued-by-custodia-bank-and-vantage-bank-used-for-fast-cross-border-business-payments

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 2426 What Banks Need to Know About the End of Quantitative Tightening Bank Nerd Corner welcomes Adam Mustafa, president and CEO of Invictus Analytics.  Adam sets the stage for what’s been going on with the Federal Open Market Committee this year, including how President Donald Trump is changing the board’s dynamics, and how that has played out in two big meetings this fall. Kiah and Adam then talk about the two recent interest rate decisions before spending the bulk of the episode dissecting the news that the FOMC will end quantitative tightening after December.  What does this mean for banks? Adam explains the mechanics of quantitative easing and tightening and highlights some interesting items that happened at the end of October. Finally, they discuss the uncertainty that the Fed’s balance sheet could cause for bank liquidity and deposit competition going forward. Taktile⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠ or ⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/adammustafa/ Thu, 20 Nov 2025 21:04:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Adam Mustafa, president and CEO of Invictus Analytics.  Adam sets the stage for what’s been going on with the Federal Open Market Committee this year, including how President Donald Trump is changing the board’s dynamics, and how that has played out in two big meetings this fall. Kiah and Adam then talk about the two recent interest rate decisions before spending the bulk of the episode dissecting the news that the FOMC will end quantitative tightening after December.  What does this mean for banks? Adam explains the mechanics of quantitative easing and tightening and highlights some interesting items that happened at the end of October. Finally, they discuss the uncertainty that the Fed’s balance sheet could cause for bank liquidity and deposit competition going forward. Taktile⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠ or ⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/adammustafa/ Bank Nerd Corner welcomes Adam Mustafa, president and CEO of Invictus Analytics. 

Adam sets the stage for what’s been going on with the Federal Open Market Committee this year, including how President Donald Trump is changing the board’s dynamics, and how that has played out in two big meetings this fall. Kiah and Adam then talk about the two recent interest rate decisions before spending the bulk of the episode dissecting the news that the FOMC will end quantitative tightening after December. 

What does this mean for banks? Adam explains the mechanics of quantitative easing and tightening and highlights some interesting items that happened at the end of October. Finally, they discuss the uncertainty that the Fed’s balance sheet could cause for bank liquidity and deposit competition going forward.

Taktile⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠ or ⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Dan: https://www.linkedin.com/in/adammustafa/


]]> 2955 BNC Squared: Skinny Master Accounts, FDIC Loses to Shareholders, & Travel Debit Cards Kiah and Alex catch up ahead of the inaugural Fintech Takes: Builders Summit to discuss how to dress for an event that cold as well as potentially plan to play a nerdy board game that could be about banking while they’re there. They then break down the news. First up is the public (and Alex’s) confusion around the proposed skinny master account from Fed Gov. Christopher Waller, which could either be a potential national money transmitter license or is a narrow fix for a handful of unusual institutions. Kiah then recaps the sad and strange tale of the 2023 failure of Heartland Tri-State Bank, including the recent twist about who is considered a victim that needs restitution. Finally, Kiah discusses two of her favorite things: banking and travel cards. But this time, it’s not a credit card.  Taktile⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠ taktile.com⁠⁠⁠ or ⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 13 Nov 2025 12:00:00 -0000 full Kiah Haslett Kiah and Alex catch up ahead of the inaugural Fintech Takes: Builders Summit to discuss how to dress for an event that cold as well as potentially plan to play a nerdy board game that could be about banking while they’re there. They then break down the news. First up is the public (and Alex’s) confusion around the proposed skinny master account from Fed Gov. Christopher Waller, which could either be a potential national money transmitter license or is a narrow fix for a handful of unusual institutions. Kiah then recaps the sad and strange tale of the 2023 failure of Heartland Tri-State Bank, including the recent twist about who is considered a victim that needs restitution. Finally, Kiah discusses two of her favorite things: banking and travel cards. But this time, it’s not a credit card.  Taktile⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠ taktile.com⁠⁠⁠ or ⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Kiah and Alex catch up ahead of the inaugural Fintech Takes: Builders Summit to discuss how to dress for an event that cold as well as potentially plan to play a nerdy board game that could be about banking while they’re there.

They then break down the news. First up is the public (and Alex’s) confusion around the proposed skinny master account from Fed Gov. Christopher Waller, which could either be a potential national money transmitter license or is a narrow fix for a handful of unusual institutions. Kiah then recaps the sad and strange tale of the 2023 failure of Heartland Tri-State Bank, including the recent twist about who is considered a victim that needs restitution.

Finally, Kiah discusses two of her favorite things: banking and travel cards. But this time, it’s not a credit card. 


Taktile⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠ taktile.com⁠⁠⁠ or ⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson


]]> 4067 Why Everyone Wants a Bank Charter Bank Nerd Corner welcomes Dan McGonegle, a senior manager at Crowe and the former manager of the novel activities supervision program at the Federal Reserve Board. Kiah and Dan chat about their Money 20/20 game plan before moving into a broad conversation about bank chartering activity and the application process. It can be a lot to keep up with: A number of companies have applied for charters ranging from industrial loan charters, full commercial bank charters and national trust charters. There’s also interest in pairing them with Fed master accounts.  They talk about the competition these companies introduce to the traditional and legacy bank space, how bank regulation is balancing the tension between supervision and policy and his thoughts on the friend/foe dynamic banks have with stablecoins. Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/dan-mcgonegle-45602071/ Thu, 06 Nov 2025 21:33:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Dan McGonegle, a senior manager at Crowe and the former manager of the novel activities supervision program at the Federal Reserve Board. Kiah and Dan chat about their Money 20/20 game plan before moving into a broad conversation about bank chartering activity and the application process. It can be a lot to keep up with: A number of companies have applied for charters ranging from industrial loan charters, full commercial bank charters and national trust charters. There’s also interest in pairing them with Fed master accounts.  They talk about the competition these companies introduce to the traditional and legacy bank space, how bank regulation is balancing the tension between supervision and policy and his thoughts on the friend/foe dynamic banks have with stablecoins. Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/dan-mcgonegle-45602071/ Bank Nerd Corner welcomes Dan McGonegle, a senior manager at Crowe and the former manager of the novel activities supervision program at the Federal Reserve Board.

Kiah and Dan chat about their Money 20/20 game plan before moving into a broad conversation about bank chartering activity and the application process. It can be a lot to keep up with: A number of companies have applied for charters ranging from industrial loan charters, full commercial bank charters and national trust charters. There’s also interest in pairing them with Fed master accounts. 

They talk about the competition these companies introduce to the traditional and legacy bank space, how bank regulation is balancing the tension between supervision and policy and his thoughts on the friend/foe dynamic banks have with stablecoins.


Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Dan: https://www.linkedin.com/in/dan-mcgonegle-45602071/


]]> 3259 Banker’s Hours with First International’s Trent Sorbe Bank Nerd Corner welcomes Trent Sorbe, chief payments officer at First International Bank and Trust, for this episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Trent has specialized in payments over his career, and that has led him into the land of payments technology and banking as a service. First International, which includes the Kotapay division Trent oversees, is the $5.5 billion bank unit of Watford City Bancshares and is based in Watford City, North Dakota. Trent and Kiah about why and how South Dakota became the payments capital of the United States, how all banks do payments but not all banks are payment banks, and the risk and opportunity that underpin banking as a service, as well as how this business line has evolved.  Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠. Follow Trent on LinkedIn: https://www.linkedin.com/in/tsorbe/ Read Trent’s piece about why banks must reinvent BaaS: https://www.bai.org/banking-strategies/why-banks-must-reinvent-baas/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 30 Oct 2025 11:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Trent Sorbe, chief payments officer at First International Bank and Trust, for this episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Trent has specialized in payments over his career, and that has led him into the land of payments technology and banking as a service. First International, which includes the Kotapay division Trent oversees, is the $5.5 billion bank unit of Watford City Bancshares and is based in Watford City, North Dakota. Trent and Kiah about why and how South Dakota became the payments capital of the United States, how all banks do payments but not all banks are payment banks, and the risk and opportunity that underpin banking as a service, as well as how this business line has evolved.  Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠. Follow Trent on LinkedIn: https://www.linkedin.com/in/tsorbe/ Read Trent’s piece about why banks must reinvent BaaS: https://www.bai.org/banking-strategies/why-banks-must-reinvent-baas/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Trent Sorbe, chief payments officer at First International Bank and Trust, for this episode of Banker’s Hours. 

Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics. 

Trent has specialized in payments over his career, and that has led him into the land of payments technology and banking as a service. First International, which includes the Kotapay division Trent oversees, is the $5.5 billion bank unit of Watford City Bancshares and is based in Watford City, North Dakota.

Trent and Kiah about why and how South Dakota became the payments capital of the United States, how all banks do payments but not all banks are payment banks, and the risk and opportunity that underpin banking as a service, as well as how this business line has evolved. 


Taktile⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠ taktile.com⁠⁠ or ⁠⁠follow Taktile on LinkedIn⁠⁠.


Follow Trent on LinkedIn: https://www.linkedin.com/in/tsorbe/


Read Trent’s piece about why banks must reinvent BaaS: https://www.bai.org/banking-strategies/why-banks-must-reinvent-baas/


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 3365 Reexamining Vullo v. OCC Bank Nerd Corner welcomes BJ Sanford and Matthew Lambert to discuss the 2019 case, Vullo v. OCC, an important and somewhat-unsettled case that continues to have downstream impacts in the financial services space today. BJ is a partner at Sivon, Natter & Wechsler. Matthew is deputy general counsel at the Conference of State Bank Supervisors. Together, they explore the history of the proposed special-purpose charter, the arguments that both the CSBS and New York made against the OCC and some of the major issues and central questions in the case. They also share where they see this decision falling in the realm of U.S. banking law and regulation, what remains unsolved and how it lives on today.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow BJ: https://www.linkedin.com/in/barak-j-sanford/ Follow Matthew: https://www.linkedin.com/in/matthewdflambert/ Follow the Conference of State Bank Supervisors: https://www.csbs.org/ Thu, 23 Oct 2025 16:30:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes BJ Sanford and Matthew Lambert to discuss the 2019 case, Vullo v. OCC, an important and somewhat-unsettled case that continues to have downstream impacts in the financial services space today. BJ is a partner at Sivon, Natter & Wechsler. Matthew is deputy general counsel at the Conference of State Bank Supervisors. Together, they explore the history of the proposed special-purpose charter, the arguments that both the CSBS and New York made against the OCC and some of the major issues and central questions in the case. They also share where they see this decision falling in the realm of U.S. banking law and regulation, what remains unsolved and how it lives on today.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow BJ: https://www.linkedin.com/in/barak-j-sanford/ Follow Matthew: https://www.linkedin.com/in/matthewdflambert/ Follow the Conference of State Bank Supervisors: https://www.csbs.org/ Bank Nerd Corner welcomes BJ Sanford and Matthew Lambert to discuss the 2019 case, Vullo v. OCC, an important and somewhat-unsettled case that continues to have downstream impacts in the financial services space today.


BJ is a partner at Sivon, Natter & Wechsler. Matthew is deputy general counsel at the Conference of State Bank Supervisors. Together, they explore the history of the proposed special-purpose charter, the arguments that both the CSBS and New York made against the OCC and some of the major issues and central questions in the case. They also share where they see this decision falling in the realm of U.S. banking law and regulation, what remains unsolved and how it lives on today. 


Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow BJ: https://www.linkedin.com/in/barak-j-sanford/


Follow Matthew: https://www.linkedin.com/in/matthewdflambert/


Follow the Conference of State Bank Supervisors: https://www.csbs.org/


]]> 3622 Banks Either Getting Together or Fighting, and How FIFA is Using the Blockchain for Bets It’s finally Alex Johnson’s turn to be a guest on Bank Nerd Corner for a monthly download and recap of interesting items in the banking and fintech universe. He and Kiah record for the first time together, in the Washington, DC, offices of Canapi Ventures, ahead of the Fintech Takes Coworking day. In a lively conversation, we talk about banks getting together in the form of M&A, including why buyers are acting now and what it tells us about the direction of the rest of the industry. We then discuss some fractures among banks of different sizes that are emerging from issues like the Consumer Financial Protection Bureau’s Section 1033 and the proposal to raise the deposit insurance limit for certain accounts at certain banks. And finally, we discuss one potential use of the blockchain, which involves betting and World Cup tickets.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Thu, 16 Oct 2025 11:00:00 -0000 full Kiah Haslett It’s finally Alex Johnson’s turn to be a guest on Bank Nerd Corner for a monthly download and recap of interesting items in the banking and fintech universe. He and Kiah record for the first time together, in the Washington, DC, offices of Canapi Ventures, ahead of the Fintech Takes Coworking day. In a lively conversation, we talk about banks getting together in the form of M&A, including why buyers are acting now and what it tells us about the direction of the rest of the industry. We then discuss some fractures among banks of different sizes that are emerging from issues like the Consumer Financial Protection Bureau’s Section 1033 and the proposal to raise the deposit insurance limit for certain accounts at certain banks. And finally, we discuss one potential use of the blockchain, which involves betting and World Cup tickets.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson It’s finally Alex Johnson’s turn to be a guest on Bank Nerd Corner for a monthly download and recap of interesting items in the banking and fintech universe.


He and Kiah record for the first time together, in the Washington, DC, offices of Canapi Ventures, ahead of the Fintech Takes Coworking day.


In a lively conversation, we talk about banks getting together in the form of M&A, including why buyers are acting now and what it tells us about the direction of the rest of the industry.


We then discuss some fractures among banks of different sizes that are emerging from issues like the Consumer Financial Protection Bureau’s Section 1033 and the proposal to raise the deposit insurance limit for certain accounts at certain banks.


And finally, we discuss one potential use of the blockchain, which involves betting and World Cup tickets. 


Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠.


Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson


]]> 3983 Agentic AI and Bank Deposits: What’s the Worst that Could Happen? Bank Nerd Corner welcomes Todd Phillips, an assistant professor at the Georgia State University’s Robinson College of Business, to discuss a not-so-theoretical thought experiment about the intersection of artificial intelligence, deposit stability and bank liquidity,  Todd’s paper, “When Siri Becomes Deposit Broker,” explores the implications for banks if consumers and businesses widely adopt agentic artificial intelligence capabilities that could automatically and autonomously move customer funds out of banks, either for rate seeking or stability reasons.  This imagined application would continue the long tradition of “deposit brokers” in the industry, a historic deposit designation that indicated the deposits were “hot” and not fully relationships. This time, they — and their regulators — may not realize their customer deposits are “hot” before it’s too late. We talk about the technology that makes this possible, why the definition of deposit broker matters, what are regulators’ limitations and how banks should respond.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Read “When Siri Becomes a Deposit Broker” here: https://southstatecorrespondent.com/category/banker-to-banker/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 09 Oct 2025 11:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Todd Phillips, an assistant professor at the Georgia State University’s Robinson College of Business, to discuss a not-so-theoretical thought experiment about the intersection of artificial intelligence, deposit stability and bank liquidity,  Todd’s paper, “When Siri Becomes Deposit Broker,” explores the implications for banks if consumers and businesses widely adopt agentic artificial intelligence capabilities that could automatically and autonomously move customer funds out of banks, either for rate seeking or stability reasons.  This imagined application would continue the long tradition of “deposit brokers” in the industry, a historic deposit designation that indicated the deposits were “hot” and not fully relationships. This time, they — and their regulators — may not realize their customer deposits are “hot” before it’s too late. We talk about the technology that makes this possible, why the definition of deposit broker matters, what are regulators’ limitations and how banks should respond.  Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠. Read “When Siri Becomes a Deposit Broker” here: https://southstatecorrespondent.com/category/banker-to-banker/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Todd Phillips, an assistant professor at the Georgia State University’s Robinson College of Business, to discuss a not-so-theoretical thought experiment about the intersection of artificial intelligence, deposit stability and bank liquidity, 

Todd’s paper, “When Siri Becomes Deposit Broker,” explores the implications for banks if consumers and businesses widely adopt agentic artificial intelligence capabilities that could automatically and autonomously move customer funds out of banks, either for rate seeking or stability reasons. 

This imagined application would continue the long tradition of “deposit brokers” in the industry, a historic deposit designation that indicated the deposits were “hot” and not fully relationships. This time, they — and their regulators — may not realize their customer deposits are “hot” before it’s too late. We talk about the technology that makes this possible, why the definition of deposit broker matters, what are regulators’ limitations and how banks should respond. 


Taktile⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠ taktile.com⁠ or ⁠follow Taktile on LinkedIn⁠.


Read “When Siri Becomes a Deposit Broker” here: https://southstatecorrespondent.com/category/banker-to-banker/

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 2871 Banker’s Hours with SouthState’s Chris Nichols Bank Nerd Corner welcomes Chris Nichols, the director of capital markets at SouthState Bank Corp., for the inaugural episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Chris is a writer in addition to being a banker. He shares why he gives so many secrets away in his popular financial blog “Banker to Banker” and how he identifies operational, performance or technology topics to write about. We discuss tech hot topics like cryptocurrency, stablecoins and artificial intelligence, but also old standbys like deposits and profitability. Chris shares his thoughts on his favorite nonbank topics and a small banking hill he’ll die on.  Taktile is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit taktile.com or follow Taktile on LinkedIn. Follow Chris on LinkedIn: https://www.linkedin.com/in/cknichols/ Read Banker to Banker here: https://southstatecorrespondent.com/category/banker-to-banker/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Thu, 02 Oct 2025 11:00:00 -0000 full Kiah Haslett Bank Nerd Corner welcomes Chris Nichols, the director of capital markets at SouthState Bank Corp., for the inaugural episode of Banker’s Hours.  Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics.  Chris is a writer in addition to being a banker. He shares why he gives so many secrets away in his popular financial blog “Banker to Banker” and how he identifies operational, performance or technology topics to write about. We discuss tech hot topics like cryptocurrency, stablecoins and artificial intelligence, but also old standbys like deposits and profitability. Chris shares his thoughts on his favorite nonbank topics and a small banking hill he’ll die on.  Taktile is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit taktile.com or follow Taktile on LinkedIn. Follow Chris on LinkedIn: https://www.linkedin.com/in/cknichols/ Read Banker to Banker here: https://southstatecorrespondent.com/category/banker-to-banker/ Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Bank Nerd Corner welcomes Chris Nichols, the director of capital markets at SouthState Bank Corp., for the inaugural episode of Banker’s Hours. 


Banker’s Hours explores the personalities in banking for some real talk on important, interesting and fun topics. 


Chris is a writer in addition to being a banker. He shares why he gives so many secrets away in his popular financial blog “Banker to Banker” and how he identifies operational, performance or technology topics to write about. We discuss tech hot topics like cryptocurrency, stablecoins and artificial intelligence, but also old standbys like deposits and profitability. Chris shares his thoughts on his favorite nonbank topics and a small banking hill he’ll die on. 


Taktile is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit taktile.com or follow Taktile on LinkedIn.


Follow Chris on LinkedIn: https://www.linkedin.com/in/cknichols/


Read Banker to Banker here: https://southstatecorrespondent.com/category/banker-to-banker/

Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/


Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett


]]> 3173 CFPB’s Flip, Crypto’s Endgame, and The Erebor Backdoor Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes!  That’s right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest).  Kiah’s podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you’re listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription). Now, onto Bank Nerding!  First up,  the topic that's going to end up on my tombstone when I die: open banking.  We dig into the CFPB’s sudden flip on open banking. JPMorgan Chase tried charging for data access, the Bureau hit pause on litigation, and now an accelerated rulemaking process is underway. Will banks get the green light to price data, or did Chase just overplay its hand? Is this the beginning of monopoly pricing in disguise? Next, Kiah schools Alex (and the rest of us) on why crypto firms are suddenly obsessed with national trust charters (what they are, why they matter, and how they could function as narrow banks in disguise). Stablecoin reserves, custody rules, and OCC oversight are all on the table. And finally, the Palmer Luckey-backed digital bank Erebor enters the chat, promising to be the new Silicon Valley Bank for startups, crypto, and defense companies. Their pitch: political connections will fast-track their national bank charter with the OCC. But can political connections really expedite a de novo charter without wrecking regulators’ credibility? Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Mon, 29 Sep 2025 21:35:00 -0000 full Kiah Haslett Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes!  That’s right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest).  Kiah’s podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you’re listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription). Now, onto Bank Nerding!  First up,  the topic that's going to end up on my tombstone when I die: open banking.  We dig into the CFPB’s sudden flip on open banking. JPMorgan Chase tried charging for data access, the Bureau hit pause on litigation, and now an accelerated rulemaking process is underway. Will banks get the green light to price data, or did Chase just overplay its hand? Is this the beginning of monopoly pricing in disguise? Next, Kiah schools Alex (and the rest of us) on why crypto firms are suddenly obsessed with national trust charters (what they are, why they matter, and how they could function as narrow banks in disguise). Stablecoin reserves, custody rules, and OCC oversight are all on the table. And finally, the Palmer Luckey-backed digital bank Erebor enters the chat, promising to be the new Silicon Valley Bank for startups, crypto, and defense companies. Their pitch: political connections will fast-track their national bank charter with the OCC. But can political connections really expedite a de novo charter without wrecking regulators’ credibility? Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes! 


That’s right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest). 


Kiah’s podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you’re listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription).


Now, onto Bank Nerding! 


First up,  the topic that's going to end up on my tombstone when I die: open banking. 


We dig into the CFPB’s sudden flip on open banking. JPMorgan Chase tried charging for data access, the Bureau hit pause on litigation, and now an accelerated rulemaking process is underway. Will banks get the green light to price data, or did Chase just overplay its hand? Is this the beginning of monopoly pricing in disguise?


Next, Kiah schools Alex (and the rest of us) on why crypto firms are suddenly obsessed with national trust charters (what they are, why they matter, and how they could function as narrow banks in disguise). Stablecoin reserves, custody rules, and OCC oversight are all on the table.


And finally, the Palmer Luckey-backed digital bank Erebor enters the chat, promising to be the new Silicon Valley Bank for startups, crypto, and defense companies. Their pitch: political connections will fast-track their national bank charter with the OCC. But can political connections really expedite a de novo charter without wrecking regulators’ credibility?


Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/

 

Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

 

Follow Alex: 

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson

Twitter: https://www.twitter.com/AlexH_Johnson


]]> 4474