Glen speaks with Andrew Warren about the Financial Health Network's new report which makes the case for modernizing the definition of underbanked consumers. Also- X Money makes its long-promised debut, and the OCC potentially rides to the rescue of interchange (and workable payment processes). Plus a discount code for May's fast-approaching EMERGE conference. Links related to this episode:

• The Financial Health Network's latest 26-page "brief": Unbanked, Underbanked, or Something Else Entirely
• The Financial Health Network's EMERGE conference, May 19-21 in Atlanta: https://finhealthnetwork.org/event/emerge-financial-health-2026/ USE CODE "JOINME-GLEN" FOR A DISCOUNTED RATE
• Ron Shevlin's take on the prospects for X Money- https://www.forbes.com/sites/ronshevlin/2026/04/17/musks-x-money-how-it-could-win-and-why-it-wont/
• Payments Dive on the OCC's move to short-circuit Illinois' Interchange Fee Prohibition Act: https://www.paymentsdive.com/news/occ-plans-to-preempt-illinois-interchange-law/817618/
• Our recent conversation with Ncontracts' Stephanie Lyon about the shifting regulatory environment, including interchange battles: https://www.big-fintech.com/the-states-of-financial-regulation/

If CU Unplugged's style of hands-on problem solving sounds like your cup of collaborative tea, check out our Innovation Club. This group of forward thinkers meets virtually each month, and our twice-annual in-person session is coming up in May. Reach out about a guest pass: https://www.big-fintech.com/innovation-club/ Follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/ https://www.linkedin.com/in/jbfintech/

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