o mark the publication of “The Intelligent Ledger,” co-authors Lou Carlozo and Dharmesh Mistry have just appeared on a special episode of Bankadelic’s sister podcast, “Dave and Dharm Demystify.” They’re interviewed by host Dave Wallace to explore why the convergence of AI, tokenization, digital twins and quantum computing will fundamentally reshape banking.

Drawing on decades of experience in banking, technology and financial journalism, Dharmesh and Lou explore why the industry may be approaching a far more significant shift than previous waves of digital transformation.

The conversation examines the concept of the intelligent ledger – a new model where banks move beyond simply managing transactions and selling traditional products, towards intelligent platforms that use data and technology to better understand and support customers.

They also discuss why this transformation is happening now, the growing impact of agentic AI and tokenised money, the potential role of quantum computing, and why banks that move too slowly risk being overtaken by more agile competitors.

With The Intelligent Ledger designed as both an explanation of technological convergence and a practical guide for banking leaders, the episode explores what banks need to do today to prepare for the financial services landscape of 2032.

While it’s rare to see the roles of CIO and Chief Customer Officer combined — especially at a company as large and established as FICO — Mike Trkay uses his perch to gain a unique insight on how back-end IT and customer-facing platforms unite to form a complete picture of consumer tech in action. Trkay talks about the roots of FICO’s machine learning — now three decades old — and looks at how AI in the future will solve consumer problems and grant insight on an unprecedented level of speed and agentic accuracy, measured in milliseconds.

While AI has transcended the hype stage in financial services, the truth remains that some banks have more of a grip on how to use it than others. Whether in the back office or on the front lines, AI remains a mystery to some, a must-have for others and an ROI crap shoot for many. Join us as five fintech experts weigh in on the state of AI in Fall 2026, each assigning grades to the industry you won’t want to miss.

Our Guests:

Matt Creatore, Chief Customer & Growth Officer, Titan

Danial Jameel, Founder/CEO Saris AI

Mitch Rutledge, Co-founder/CEO, Vertice AI

Mac Thompson, Founder and CEO, White Clay

Matthew Wood, Sr. Director of Product Management, Banking and Financial Services, Tavant

The 2026 Small Business Owner Perspective Survey by U.S. Bank gets to the heart of how technology, demographic shifts and world news have affected the attitudes and performance of SMBs everywhere. Shruti Patel, U.S. Bank's Executive Vice President & GM, Business Banking, Chief Product Officer, discusses the findings and makes a case for across-the-board optimism in tough economic times.

Temptations to gamble — especially with professional sports organizations plugging online gaming and the rise of prediction markets — are a cause for concern for financial institutions everywhere. Stephen Arnold of the Filene Research Institute and Mitch Rutledge of Vertice AI discuss the findings of a new study that looks at data from more than more than 1.7 million credit union customers. Among the findings: Younger generations put more money in action from their credit union accounts than Baby Boomers or millennials.

Do community banks and credit unions risk becoming invisible as AI, data aggregation, and new payment networks reshape how consumers manage money? Tyfone CEO and Co-founder Siva Narendra touches on those themes as he discusses a five-part white paper series he’s authored. The good news is that with all the threats community banks face, there is hope they can properly adopt new technologies to boost their relevance.

With more than $1 trillion in assets set to change hands from elders to millennials and Gen Zs, no wonder banking sages have labeled this era the Great Wealth Transfer. Martha Sylla Underwood, Founder and CEO of Prismm, explains how community and regional banks can leverage their generational relationships to win over this inheriting demographic before the head to online and big bank competitors. At stake: the largest of movement of money within families in history.

This holiday, don't head to the picnic, the fireworks or the parade without us. Bankadelic brings you a stars-and-stripes studded cast to talk about banking life, liberty and the pusuit of happiness as only they can. Join ourJuly 4 freedom fighters as they sign the patriotic praises of banking nid-2026 style:

Brian Bodell, CEO, Movemint

Emily Call, CMO, Nuuvia

John Gordon, CEO, ValidiFi

Chris Poor, VP - Strategic Solutions, Quinte Financial

While artificial intelligence promises an exciting future for financial services, the fact is that it’s very much a work in progress in the present. Jon Tvrdik, Founder and CEO of WaveCX, walks us through how his platform is driving smart audience engagement for financial institutions and their partners in a level-headed, direct way.

Depending on whose view you subscribe to, agentic AI is either the breakthrough banks have been waiting for in operations (and customer service), or the perennial solution in search of a problem. Join our three fintech rockstars as the get to the bottom of what agentic AI means in 2026—and whey the hype pits justification versus a lack of tech realization.