What should banks and fintechs actually be doing right now as open banking stalls and regulatory signals keep shifting? In this episode, Scott Henderson talks with Jason Mikula, publisher of Fintech Business Weekly, live from Fintech Nerdcon 2025.

They break down cash flow underwriting in production, data access and consent models, the future of screen scraping, and the growing operational risk created by multi-layer fintech stacks. Jason shares practical advice on scenario planning, cost uncertainty, and why building for regulatory whiplash is now table stakes for fintechs heading into 2026.