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In this episode, we’re joined by Brian Tate, President and CEO of the Innovative Payments Association, to discuss where payments policy and innovation are headed next. A graduate of Howard University with experience at the Financial Services Roundtable during the post-crisis reform era shaped by the Dodd-Frank Wall Street Reform and Consumer Protection Act, Brian draws on decades inside Washington to unpack what’s coming for fintech, prepaid products, and the broader banking ecosystem. From regulatory modernization to emerging technologies, he shares his outlook on the opportunities and challenges that will define the next chapter of the payments revolution.

Brian Tate, CEO, Innovative Payments Association

Brian C. Tate is president and CEO of the Innovative Payment Association.

A native Marylander, Brian is a graduate of the Howard University School of Law and is licensed to practice in the state of Maryland and the U.S. Supreme Court. In addition, Brian has an M.A. in political management from The George Washington University, and a B.A. in political science from King’s College (Pa.). Brian was also a White House intern during the Clinton administration in 1996.

Price is the most important signal in a market economy. But in a distorted market, prices no longer provide reliable information to consumers. For startup ventures, getting the price wrong can be a fatal mistake. Per Sjofors is the “price whisperer.”  He uses AI to help companies determine the optimal price to charge for new products. Per joins the Futurists to talk about price-setting strategies in complex markets, commodity markets, and markets dominated by platforms or oligopolies. 

Payments are getting faster. From RTP to stablecoins, rails are modernizing. Speed alone doesn’t equal progress, however. As real-time payment systems expand, banks, businesses, and policymakers are asking a bigger question: how do new payment rails actually change how money moves, decisions get made, and value is created?

In this episode of Breaking Banks, host Jason Henrichs brings together Dominic Venturo, SEVP and Chief Digital Officer at U.S. Bank and David Watson, President and CEO at The Clearing House to explore what is really changing beneath the surface. The trio discuss:

Share with industry friends and colleagues. The episode is not to be missed!

In this episode Cecilia Tham takes us through the intersection of science, design, and business to build things that don’t exist yet. As the founder of Futurity Systems, Cecilia leads a team providing Futures-as-a-Service for global companies and government agencies. Moving beyond speculation into active future building and construction. In this episode we also talk about her efforts to build her own digital soul…

What happens when three fintech nerds gather to eat spicy wings, share some sauce and talk about industry trends? If you are a regular listener to Breaking Banks, you already know the answer: the latest episode of Hot Takes!

Get some chips, your own sauce if you’d like, and listen now as Jason Henrichs, Alex Johnson (Fintech Takes) and Simon Taylor (Fintech Brainfood) — refereed by Peter Renton — offer Hot Takes fueled by hot sauce and spicy conversation. This episode was recorded live at the University of Utah’s 2026 FintechXchange.

This candid discussion with leading voices in fintech is not to be missed! The wide-ranging conversation covers everything from AI and stablecoins to financial nihilism, and more. The panelists explore trends reshaping the banking and fintech landscape while sharing key insights, things to watch and some predictions.

This episode is powered by U.S. Bank. Be sure to catch the entire series releasing this month from the Hot Takes stage, brought to you by U.S. Bank.

Globally the cost of health care is exploding. In the United States, the problem is particularly severe because system is fragmented across many providers and highly inefficient. Economic incentives intensify the problem among private films. Suneel Ratan, CEO of Precognitive, is on a mission to streamline service delivery by building an intelligence layer to provide a single unified care plan across siloed providers. He likens it to a fintech model for health care. Ratan points out that health care is not an infinite resource, which raises the stakes for optimized delivery of personalized care. This is a job for AI. In this discussion, the Futurists covers a range of issues of challenges and areas of inefficiency in health care while driving towards solutions. 

The length of the sales cycle in financial services is legendary. Slow decisions, endless diligence, and constant risk reviews are practically an industry meme. To be fair, the stakes are real. When money moves, it has to arrive; when deposits sit in a bank, they have to be safe. Somewhere along the way, caution turned into paralysis. Banks ask more questions, add more steps, delay commitment, often increasing the risk by avoiding learning, accountability, and real-world feedback.

In this episode of Breaking Banks, Jason Henrichs connects with Lindsay Borgeson, President of Core Bank’s Partner Banking Division, and Kalyani Ramadurgam, CEO and Founder of Kobalt Labs. They discuss the dynamics of decision-making in banking, the importance of defining the problems to be solved, the role of proof of concepts, and the hurdles of implementation. By sharing the Core Bank and Kobalt Labs partnership journey, Lindsay and Kalyani offer practical strategies for navigating these processes more effectively.

For financial institutions, speed doesn’t require cutting corners. For fintech providers, strong partnerships can be built by proving value early and enabling clients to make decisions based on real operational impact.

Whether you are a financial institution seeking to modernize your technology stack or a fintech company looking to accelerate enterprise adoption, this conversation offers experience-based guidance for making faster, high-confidence decisions without sacrificing risk discipline.

Listen now, share with your colleagues, and please reach out to share your feedback.

In this episode, author Daniel Trabucchi joins host Paolo Sironi to explore strategies for legacy companies to embrace platform business models amid dominance by tech-native giants. Drawing from his book The Digital Phoenix Effect, he outlines a pragmatic approach for traditional firms to foster innovation through platform thinking, preserving core strengths like customers, suppliers, data, and expertise. Unlike startup-focused literature, this conversation emphasizes internal transformation in established organizations, blending academic rigor with practical insights from Thinkers50-recognized experts. Ideal for leaders seeking sustainable, networked value creation without radical overhauls.

LINKEDIN

https://www.linkedin.com/in/daniel-trabucchi-a7891566

https://www.linkedin.com/in/buganza

TWITTER

@DanielTrabucchi

@polimi

An erratic President, a bungled raid on American cities, two fatal shootings by ICE agents, a massive protest by thousands of citizens in Minneapolis and other US cities, and flood of dishonest and misleading statements by Presidential aides and cabinet members: the United States begins 2026 in utter turmoil. Technologist and author Ramez Naam joins the Futurists to share his perspective on the political unrest in American civil society and the collapse of governance norms. Are populist forces fighting against a future defined by accelerating change? Is this a desperate attempt to restore society to a mythical past that never existed? Or is something more sinister afoot? What are the long term effects, domestically and internationally? The discussion includes a range of views on American chaos and some lively debate about the long term implications. 

Host Matteo Rizzi welcomes fintech ecosystem builder Rodrigo García de la Cruz for a global conversation on the future of financial innovation.

This episode explores how fintech ecosystems scale across regions, why Nubank’s U.S. banking license marks a turning point for global neobanks, and how stablecoins and banking infrastructure are reshaping cross-border finance. The discussion also compares European fintech models – from France’s unicorn-focused strategy to Germany’s resilient innovation approach – and dives into what makes fintech associations truly sustainable. A must-listen for founders, investors, regulators, and anyone shaping digital finance.