American Banker Podcast

American Banker is pleased to bring you Breaking Banks , hosted by Brett King, and featuring the editors of American Banker.   In this episode: Brett hosts Keith Teare, a founding member of tech media company TechCrunch and startup accelerator Archimedes Labs; and Brian Solis, an expert in technology and customer behaviors who shared thoughts from his new book X: The Experience When Business Meets...

American Banker is pleased to bring you Breaking Banks , hosted by Brett King, and featuring the editors of American Banker.   In this episode: Brett hosts a group of fintech influencers — including Chris Skinner, Jim Marous, Dave Birch, and Ghela Boskovich — to review a bit of 2016 and talk about the trends and predictions for 2017. What's next?

American Banker is pleased to bring you Breaking Banks , hosted by Brett King, and featuring the editors of American Banker.   This week's show is a remix of Brett King's interview with Bruce Cahan, Stanford professor and creator of GoodBank and Manu Saadia, author of Trekonomics, a book about the economics of Star Trek. In the second half, Sam Maule, director and senior practice lead at NTT Data...

Dave Martin , founder of BankMechanics, shares his insights on sales culture, performance incentives, motivating employees to think about the long term, the future of branches, why in-store locations are harder to run than you think, and more.

Peter Wannemacher, senior analyst at Forrester, explains why Europe's PSD2 regulation matters to U.S. banks and why it will be a hot topic in 2017. He also shares his tech predictions for 2017 and a few contrarian warnings.

Loretta Mester, the president of the Federal Reserve Bank of Cleveland, discusses how Trump's election will affect financial services, what she thinks of Neel Kashkari's plan to end "too big to fail," and her views on interest rates.

Ping-pong tables, latte machines and other neat frills don't attract millennials as much as companies like to think, according to Melissa Louis, managing consultant at The Gallup Organization, which has done massive surveys in this area. "The biggest thing millennials really care about is development," she says. "Are they going to be in an organization where they will be consistently coached, wher...

Wei Ke, a partner at consultants Simon-Kucher, discusses the psychology behind customers' choices, including the appeal of metal credit cards, the willingness to pay $450 a year for a card and the paralysis of too many options.

Banks are just as vulnerable to the kind of nation-state cyberattack Yahoo suffered, and can avoid some of the mistakes it made, says Samuel Visner of the consulting firm ICF and an adjunct professor at Georgetown University.

David Weiss, senior analyst at Aite Group, weighs in on the IBM/Promontory deal and how humans and artificial intelligence programs will interact in the field of bank regulatory compliance.

Julio Alejandro, CEO of Humanitarian Blockchain in London, thinks so. Some of his projects, such as providing bitcoin Visa debit cards to refugees and digital identities for ex-cons, are ideas financial services firms could implement here.

It's long been assumed that technology will help the financially underserved access the banking services they need. Christine Duhaime, an attorney and founder of the Digital Financial Institute, a financial technology think-tank, says this assumption is wrong, and that some tech advances are already starting to have unanticipated adverse effects on the financially disadvantaged. Banks will have to...

Bill Barhydt, founder of startup Abra, explains how his company's mobile app uses bitcoin as a payment rail for cross-border remittances while solving the foreign exchange risk and last-mile problem that have hampered adoption of the cryptocurrency.

Executives from Deutsche Bank and Royal Bank of Canada share their early learnings about distributed ledger technology at American Banker's Blockchains + Digital Currencies conference in July.

Zooko Wilcox, founder of Zcash, discusses how advanced cryptography can bring confidentiality to transactions on distributed ledgers; the relative merits and drawbacks of the Bitcoin and Ethereum models; and more.

David Pollino, deputy chief security officer at Bank of the West, shares insights into the email-based cybertheft attacks he's been tracking and what the bank is doing to shield itself and its customers from email scams.

Regulatory burdens (particularly the Durbin interchange cap), stubbornly low interest rates and a slow, expensive transition from branch to digital banking mean only the wealthy and the desperate are attractive customers, says Todd Baker of Broadmoor Consulting.

Christopher Whalen, senior managing director and head of research at Kroll Bond Rating Agency, discusses the sorry state of European banks, the missteps by European Union regulators and the potential ramifications for financial institutions in the U.S.

Marketplace lenders have been declaring "FICO-free Zones" and playing down the need for the longstanding measure of creditworthiness. FICO CEO Will Lansing explains how the company's score is evolving and why he believes FICO remains the best (not necessarily the only) way to determine ability to repay a loan.

Moven founder and all-around fintech evangelist Brett King discusses how financial institutions can survive a future where artificial intelligence is widespread and plastic cards are no more.

Don Tapscott and Alex Tapscott, authors of " Blockchain Revolution ," discuss the implications for banks of distributed ledger technology, the pros and cons of private blockchains compared to open networks, how DAOs might eliminate moral hazard, and more.

Presidential candidates have called this year for the Federal Reserve to be subject to public audits. Peter Conti-Brown, a Wharton professor and author of "The Power and Independence of the Federal Reserve," explains why he only partially agrees.

The ongoing battle between the FBI and Apple over encryption could have consequences not only for iPhone and mobile banking security, but overall software security and the privacy of customer records, according to David Weiss, senior analyst at Aite Group.