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Could up to 80% of existing credit cards be canceled or see credit reductions under the proposed 10% interest rate cap?

That’s the stark prediction from industry research and leading credit providers like JPMorgan’s Jamie Dimon. Instead of helping consumers, the policy could trigger an evaporation of available credit, shrink access, and push borrowers toward less regulated alternatives.

In this episode of Breaking Banks, Jason Henrichs connects with leading industry voices Ron Shevlin, Managing Director & Chief Research Officer of Cornerstone Advisors and author of Forbes‘ Fintech Snark Tank, and Rhett Roberts, Co-Founder and CEO of LoanPro.

As the trio discuss benefits, tradeoffs, and risks, they recognize that one size doesn’t always fit all, and explore where innovation might fill the gap: buy-now-pay-later (BNPL) models, bespoke lending products, and how stablecoins could be a market-based alternative to blunt the access problem, a way to lower costs without breaking the system. Could “loan-on-card” structures or embedded finance preserve convenience while reshaping risk? If credit migrates outside traditional card networks, are we undermining decades of consumer protection?

For anyone shaping the future of banking, fintech, consumer lending and credit, or just trying to better understand the benefits, potential tradeoffs, and risks of interest rate caps and stablecoins as a market-based alternative, this episode is essential listening. Credit has a very long history of teaching us that quick fixes often create new problems.

This episode explores the mission of advancing financial stability and generational wealth for traditionally underserved individuals and families through the lens of  founder and CEO of The Savings Collaborative Barbara Freeman. The conversation highlights her global career in finance, consulting, and development, and how her personal experiences with financial uncertainty and deeply held values around fairness shaped the founding of the Savings Collaborative. Barbara shares how her work bridges systems, education, and economic opportunity to address the everyday financial fragility faced by working families, ultimately reframing wealth not just as money, but as security, choice, and control over one’s life.

Bio:

Dr. Barbara Freeman is the founder and CEO of The Savings Collaborative. She combines her global experience in finance, education, and social impact to help people and communities expand opportunity. She is also a senior consultant to the World Bank, where she focuses on technology and innovation in education.

She was a Visiting Scholar at UC Berkeley and is a certified financial counselor. Barbara created award-winning digital learning tools for English learners and students with special needs, making learning more accessible and engaging for diverse students. Earlier in her career, she helped pioneer one of the first global derivatives portfolios as a currency options dealer with UBS and HSBC, and co-founded KPMG Consulting’s Risk Management practice in Asia, building it into a 400-person team.

As the founder of The Future of Storytelling, Charles Melcher curates a collection of the world’s most provocative and vivid immersive experiences. To Charlie, future stories won’t be linear or confined to the pages of a book: they will be participatory and responsive. Charlie tells The Futurists what makes this type of drama so effective and memorable. In our modern media landscape, where books and TV shows have become commoditized and formulaic, the most successful stories tend to work harder by engaging all of the senses and the imagination fully. After you hear Charlie’s account of his amazing adventures, you’ll never look at storytelling the same way again.  

Global economist Peter Middlebrook has advised governments in many nations on modernization and economic policy, including Malaysia, Indonesia, Egypt, Rwanda, Afghanistan, India, and the UK as well as the United Nations, the EU and the World Bank. He joins the Futurists to share his perspective about the current and future trajectory of capitalist economies and geopolitics. Topics include: the fate of 250 million displaced people; how governments drive up the cost of housing and other assets when they inflate away debt;  what happens when Western nations attempt to combine capitalist economies with socialist policies; why Asia represents the greatest growth opportunity of the future; why the United States seeks to consolidate South America; why the BRIC nations are de-dollarizing trade; why the future economy is both hyperlocal and hyper global;  the illusion of the free market and the growing significance of industrial policy; why multimillionaires are fleeing from the UK; why Western nations need strategic plans. 

Just as mobile was once a separate vertical within banking, has digital transformation simply become part of everything we do?

In this week’s episode of Breaking Banks, hosts Jason Henrichs, Brett King, and JP Nicols debate this and more as they discuss the current state of banking, the impact of fintech, and the evolution of digital banking. They cover the challenges posed by legacy systems, the rise of digital-only banks, and the role of AI and stablecoins in shaping the future of finance. The top 50 fastest growing FIs in the world are all digital direct players, pure players.

Is AI going to be a vector in the growth of banks? Will AI change how banks are structured?

Is it time to rewrite the rules? Think about things differently? Reimagine what the future of financial services looks like?

Brett, JP and Jason look forward to another year of exploring the future of banking and financial services together.

Reach out, send us your thoughts and any topics you’d like to see us address in a future episode of Breaking Banks.

In this episode of the Finovate Podcast, host Greg Palmer connects with Brent Biernat, Senior Vice President and Chief Operating Officer at COCC, a finalist in the Finovate Awards for Best Back Office Solution and Executive of the Year. Brent shares his journey of over 30 years with COCC, highlighting his passion for community banking and the company’s mission to support small businesses and consumers. COCC, a core and digital banking services provider for over 150 clients in the Northeast, operates under a unique cooperative structure that fosters long-term vision and prioritizes customer needs over short-term profitability.

Brent delves into the advantages of COCC’s cooperative model, which ensures that all shareholders are active customers and board members are CEOs of financial institutions. This structure promotes trust, transparency, and open communication, allowing COCC to tailor its technology and services to meet the specific needs of each institution. Brent emphasizes the importance of building strong relationships with customers, where mutual understanding and collaboration lead to better outcomes. He also discusses how COCC’s Strategic Development Council and regular executive visits help maintain alignment with customer goals and ensure continuous improvement.

The episode also highlights COCC’s recent recognition in the American Bankers Association (ABA) survey, where it ranked number one across multiple categories, including service, technology, and contract fairness. Brent shares insights on the importance of fully utilizing technology and maintaining transparent, long-term partnerships. He offers advice to financial institutions evaluating core relationships, encouraging them to prioritize adaptability, trust, and shared growth. This engaging conversation underscores the value of collaboration and innovation in the fintech and banking sectors.

More info:

COCC: https://www.cocc.com/
 ; https://www.linkedin.com/company/cocc/

Brent Biernat: https://www.linkedin.com/in/brent-biernat-b542bb/

Greg Palmer: https://www.linkedin.com/in/gregbpalmer/

Finovate: https://www.finovate.com;
https://www.linkedin.com/company/finovate-conference-series/

Finovate Awards: https://informaconnect.com/finovate-industry-awards/

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In this episode of Breaking Banks Africa, host Matteo Rizzi interviews Martin Labbé, a development and tech ecosystem specialist at the International Trade Centre (ITC). Labbé shares his journey from marketing and trade promotion into global tech ecosystem development, focusing on emerging markets across Africa. The conversation explores how ITC supports entrepreneurship by strengthening innovation ecosystems rather than directly financing startups. Key themes include the importance of connecting startups with investors, building trust among ecosystem actors, and prioritizing sustainable business models driven by customers rather than grants. Labbé highlights structural challenges in African startup ecosystems, such as limited venture capital outside major markets and entrepreneurs’ overreliance on competitions and funding programs. He advocates longer investment timelines, alternative funding models, and venture-studio approaches adapted to frontier markets. Ultimately, sustainable ecosystems emerge when local institutions, investors, and entrepreneurs collaborate effectively, enabling startups to scale internationally and reducing dependency on development aid.

This week on Breaking Banks, we spotlight our sister podcast, The Bankers’ Bookshelf, hosted by Paolo Sironi.

In this episode, Paolo sits down with frequent Breaking Banks guest Leda Glyptis to discuss her book, “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation”. Drawing from candid interviews with leading entrepreneurs, Leda moves past the typical success stories to uncover the raw realities of building groundbreaking ventures. She offers an honest exploration of digital transformation, including the lessons learned, inevitable mistakes, course-corrections, and the personal and professional growth required to lead through the messiness of digital change.

Leading fintech transformation demands more than sheer resilience: it’s about wielding control amid chaos, maintaining consistency and integrity, and standing firm, whether solo or with a team.

This conversation is essential for anyone navigating the complexities of fintech transformation. Listen now!

The Futurists starts 2026 with a stimulating conversation with serial entrepreneur Matt Miesnieks, a true pioneer of AR/XR and spatial computing. In his new startup venture, Primate AI, Matt is focused on a novel approach to artificial intelligence. He intends to construct spatial and dimensional concepts that replicate the way humans develop a mental model of the real world. Topics in this episode: how the limitations of LLMs create opportunities for new approaches, such as Yann LeCun’s JEPA (Joint Embedding Predictive Architecture); the distinction between trying to understand the real world and trying to generate new worlds; why it is so hard to get a robot to cross a busy street safely; why 3D world models are needed; what happens when the real world is machine-readable.

In this episode, Paolo Sironi dives into “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation” with author Leda Glyptis. At the heart of the conversation are probing questions: Is success in fintech truly pattern-based? Can the journey of building new banks or digital services, whether from scratch or within established organizations, be predictable enough to replicate? And if patterns exist, are they within our reach to emulate?

Drawing from candid interviews with leading fintech entrepreneurs and innovators, Leda uncovers the raw realities of creating groundbreaking ventures. This isn’t a glorified montage of founder grit set to triumphant anthems, nor a collection of polished vendor success stories that skim the surface. Instead, it’s an honest exploration of the messiness: the lessons learned, the inevitable mistakes, the constant course-corrections, and the profound personal and professional growth required. Leading fintech transformations demands more than sheer resilience: it’s about wielding control amid chaos, maintaining unwavering consistency and integrity, and standing firm, whether solo or with a team.

Join us in this conversation,  perfect for entrepreneurs, innovators, and anyone navigating digital change.

LINKEDIN

https://www.linkedin.com/in/leda-glyptis-phd-272492

TWITTER