Provoke.fm Media

In This Episode Have we reached the point where AI is beginning to matter in a commercial sense or are we still in the ‘figuring it out’ stage and it’s not driving outcomes yet? In this episode host Jason Henrichs is joined by Prashant Mehrotra, Chief AI Officer at U.S. Bank, and John Sun, Co-Founder and CEO of Spring Labs, for a deep dive into the frontier that is AI. Listen as...

In This Episode In this episode of Breaking Banks, industry leaders Jason Hass (First Electronic Bank), Mike Jorgensen (U.S. Bank), and Louis Mrachek, (Merrick Bank) connect with Jason Henrichs for a dynamic conversation centered on embedded finance. Embedded finance seamlessly integrates financial services into non-financial platforms. Some examples include BNPL, Lending: Business & Personal...

In this episode of Breaking Banks Africa , Matteo Rizzi sits down with Dr. Stanley Jacobs, President of Fintech Nigeria and VP for West Africa at the Africa Fintech Network. They explore Nigeria’s fintech evolution, the rise of unicorns, and the opportunities shaping Africa’s youthful, tech-savvy population. From ecosystem building and cross-border innovation to talent development and digital incl...

Quit to win” is the unconventional advice given by entrepreneur Francesco Urso, who has written a book by that title. Urso explains to The Futurists how the best career strategy in a time of turmoil is to create your own company. In this episode, he explains how to surmount the barriers of fear and inertia, to quit your job and start a new venture.  

In this episode, author Dimitrios Salampasis joins host Paolo Sironi to introduce the Research Handbook on FinTech, a global scholarly effort to understand finance’s radical transformation. Two decades ago, finance meant traditional banks and centralised institutions. Today, digital payments, AI, blockchain, and central bank digital currencies are rewriting the rules. Dimitrios explains why this h...

Steve Rosenbaum is an author and entrepreneur who co-founded the Sustainable Media Center, where he advocates for better protection for the users of abusive social media platforms. Now in his new book The Future of Truth: How AI Reshapes Reality, Steve turns his attention to the perils of a digital world defined by the funhouse mirror of machine intelligence. Steve acquaints the Futurists with the...

In This Episode We’ve recently seen growth in many areas, but a disconnect always seems to exist between economic growth, especially capital market growth, and what people on the ground are experiencing. In short, the macro story is strong; the reality is more fragile if you look at households. According to Maslow’s Hierarchy of Needs, what is the first thing today’s consumer pay...

Visualizing the interior of the human body has always presented a major challenge to caregivers. Most medical imaging techniques in use today were first introduced during the past fifty years. Today novel technologies for entertainment are being applied to healthcare. Michael Hollins of the University of Nebraska’s iEXCEL Center joins the Futurists to explain how breakthroughs in imaging and simul...

In This Episode Banks are evolving beyond traditional financial products to offer value-added services that deliver outcomes that matter in customers’ everyday lives. In this episode of Breaking Banks, we explore this shift through a very specific lens. Joining host Jason Henrichs are Marcy Allen, Head of Enterprise Financial Institutions at Carefull, a company focused on helping families pr...

In this powerfully inspiring talk, Futurists co-founder Robert Tercek shares insights from his four years of collaboration with technologists to build artificial intelligence tools that empower artists to create cinematic stories. In February 2026, Tercek shared these remarks as the keynote speech at the annual meeting of the Hollywood Professionals Association, whose members include the heads of...

In This Episode Which trends are genuinely reshaping and transforming banking? Is fintech hitting its “awkward adolescent phase”—past the hype but not yet fully mature? Today we sort through the signal and the noise. Which trends are actually changing how banks work and which are mostly theater. There are lots of pitches coming at banks, but just like in baseball, you can’t swing...

In This Episode The current regulatory regime in the US promised a lighter touch and more de novo charters. Sure enough, there has been a flurry of activity with a wide range of applications being submitted from long time payment providers like Paypal, neobanks looking to break free from their BaaS sponsors, and even silicon valley insiders looking to build the bank of the future like Erebor. Read...

In this episode, we’re joined by Brian Tate, President and CEO of the Innovative Payments Association, to discuss where payments policy and innovation are headed next. A graduate of Howard University with experience at the Financial Services Roundtable during the post-crisis reform era shaped by the Dodd-Frank Wall Street Reform and Consumer Protection Act, Brian draws on decades inside Wash...

Price is the most important signal in a market economy. But in a distorted market, prices no longer provide reliable information to consumers. For startup ventures, getting the price wrong can be a fatal mistake. Per Sjofors is the “price whisperer.”  He uses AI to help companies determine the optimal price to charge for new products. Per joins the Futurists to talk about price-setting strategies...

In This Episode Payments are getting faster. From RTP to stablecoins, rails are modernizing. Speed alone doesn’t equal progress, however. As real-time payment systems expand, banks, businesses, and policymakers are asking a bigger question: how do new payment rails actually change how money moves, decisions get made, and value is created? In this episode of Breaking Banks , host Jason Henrichs bri...

In this episode Cecilia Tham takes us through the intersection of science, design, and business to build things that don’t exist yet. As the founder of Futurity Systems, Cecilia leads a team providing Futures-as-a-Service for global companies and government agencies. Moving beyond speculation into active future building and construction. In this episode we also talk about her efforts to build her...

In This Episode What happens when three fintech nerds gather to eat spicy wings, share some sauce and talk about industry trends? If you are a regular listener to Breaking Banks, you already know the answer: the latest episode of Hot Takes! Get some chips, your own sauce if you’d like, and listen now as Jason Henrichs, Alex Johnson (Fintech Takes) and Simon Taylor (Fintech Brainfood) —...

Globally the cost of health care is exploding. In the United States, the problem is particularly severe because system is fragmented across many providers and highly inefficient. Economic incentives intensify the problem among private films. Suneel Ratan, CEO of Precognitive, is on a mission to streamline service delivery by building an intelligence layer to provide a single unified care plan acro...

In This Episode The length of the sales cycle in financial services is legendary. Slow decisions, endless diligence, and constant risk reviews are practically an industry meme. To be fair, the stakes are real. When money moves, it has to arrive; when deposits sit in a bank, they have to be safe. Somewhere along the way, caution turned into paralysis. Banks ask more questions, add more steps, delay...

In this episode, author Daniel Trabucchi joins host Paolo Sironi to explore strategies for legacy companies to embrace platform business models amid dominance by tech-native giants. Drawing from his book  The Digital Phoenix Effect , he outlines a pragmatic approach for traditional firms to foster innovation through platform thinking, preserving core strengths like customers, suppliers, data,...

An erratic President, a bungled raid on American cities, two fatal shootings by ICE agents, a massive protest by thousands of citizens in Minneapolis and other US cities, and flood of dishonest and misleading statements by Presidential aides and cabinet members: the United States begins 2026 in utter turmoil. Technologist and author Ramez Naam joins the Futurists to share his perspective on the po...

Host Matteo Rizzi welcomes fintech ecosystem builder Rodrigo García de la Cruz for a global conversation on the future of financial innovation. This episode explores how fintech ecosystems scale across regions, why Nubank’s U.S. banking license marks a turning point for global neobanks, and how stablecoins and banking infrastructure are reshaping cross-border finance. The discussion also compares...

In This Episode Could up to 80% of existing credit cards be canceled or see credit reductions under the proposed 10% interest rate cap? That’s the stark prediction from industry research and leading credit providers like JPMorgan’s Jamie Dimon. Instead of helping consumers, the policy could trigger an evaporation of available credit, shrink access, and push borrowers toward less regulated alternat...

This episode explores the mission of advancing financial stability and generational wealth for traditionally underserved individuals and families through the lens of  founder and CEO of The Savings Collaborative Barbara Freeman. The conversation highlights her global career in finance, consulting, and development, and how her personal experiences with financial uncertainty and deeply held val...

As the founder of The Future of Storytelling, Charles Melcher curates a collection of the world’s most provocative and vivid immersive experiences. To Charlie, future stories won’t be linear or confined to the pages of a book: they will be participatory and responsive. Charlie tells The Futurists what makes this type of drama so effective and memorable. In our modern media landscape, where books a...