In this exciting episode, Pete Tiliakos welcomes Bryan Bergin from TD Cowen for a live conversation from Money20/20 exploring the fascinating intersection of human capital management and financial technology. Bryan shares expert analysis on how AI is transforming finance, helping listeners distinguish between meaningful innovation and clever marketing. They examine how upcoming open banking regulations like Rule 1033 could revolutionize data sharing, potentially creating new opportunities for both consumers and businesses. The discussion offers valuable perspectives on FinTech and HR Tech's evolving landscape, including consolidation trends and what's ahead for the IPO market. 4:50: Pete and Bryan explore how FinTech and HR worlds are colliding, particularly in areas like on-demand pay and seamless payroll solutions that are changing how people access their earnings. 10:10: Bryan cuts through the AI hype, sharing what's actually working in FinTech today and where the real opportunities lie for transformative innovation in the financial sector. 14:06: The conversation turns to the current state of IPOs, with Bryan breaking down the key factors companies weigh when deciding whether—and when—to take the public plunge.