Provoke.fm Media

Steve Rosenbaum is an author and entrepreneur who co-founded the Sustainable Media Center, where he advocates for better protection for the users of abusive social media platforms. Now in his new book The Future of Truth: How AI Reshapes Reality, Steve turns his attention to the perils of a digital world defined by the funhouse mirror of machine intelligence. Steve acquaints the Futurists with the perils and potential of AI fragmenting audiences and distorting our collective understanding of subjective truth. 

We’ve recently seen growth in many areas, but a disconnect always seems to exist between economic growth, especially capital market growth, and what people on the ground are experiencing. In short, the macro story is strong; the reality is more fragile if you look at households. According to Maslow’s Hierarchy of Needs, what is the first thing today’s consumer pays for every month? Mortgage/rent, health care, food? All good guesses, but no! The primary financial priority: the cell phone.

In this episode, Robyn Burkinshaw, CEO of BlytzPay, and Jason Henrichs discuss the reality of financial health in the United States. With 30% of the population living at or below the poverty line and 25% considered unbanked or underbanked, the current system often widens the wealth gap.

Jason and Robyn discuss redefining financial health through access, designing for real lives rather than ideal users, and using the system to create stability. And Robyn shares how BlytzPay is working to “break the box” by helping lenders and servicers meet subprime consumers where they are via text-to-pay and a flexible online payment system. The mission is increasingly vital as AI and new technologies can potentially bridge or widen the current wealth disparity.

This episode is part of the Hot Takes series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

Visualizing the interior of the human body has always presented a major challenge to caregivers. Most medical imaging techniques in use today were first introduced during the past fifty years. Today novel technologies for entertainment are being applied to healthcare. Michael Hollins of the University of Nebraska’s iEXCEL Center joins the Futurists to explain how breakthroughs in imaging and simulation are used to train doctors, nurses, and first responders in the most advanced techniques in the US. For the first time in history, doctors can visualize their patients’ complex metabolic systems at the molecular level. 

Banks are evolving beyond traditional financial products to offer value-added services that deliver outcomes that matter in customers’ everyday lives.

In this episode of Breaking Banks, we explore this shift through a very specific lens. Joining host Jason Henrichs are Marcy Allen, Head of Enterprise Financial Institutions at Carefull, a company focused on helping families protect aging loved ones from financial risk and fraud, and Drew Reilly, VP, Fintech Partnerships & Investments at U.S. Bank They discuss how banks approach value-based accounts and loans, the realities of delivering these services within large institutions, buying versus building, and what happens when financial services appear where customers actually need help, not just where banks traditionally operate.

This episode is part of the Hot Take series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

In this powerfully inspiring talk, Futurists co-founder Robert Tercek shares insights from his four years of collaboration with technologists to build artificial intelligence tools that empower artists to create cinematic stories. In February 2026, Tercek shared these remarks as the keynote speech at the annual meeting of the Hollywood Professionals Association, whose members include the heads of production for the major film studios, TV networks and streaming platforms. At a time when many professional filmmakers are worried about AI, Tercek provides a message of hope and positive change. AI for artists and storytellers is here. 

Which trends are genuinely reshaping and transforming banking? Is fintech hitting its “awkward adolescent phase”—past the hype but not yet fully mature?

Today we sort through the signal and the noise. Which trends are actually changing how banks work and which are mostly theater. There are lots of pitches coming at banks, but just like in baseball, you can’t swing at them all. How do financial institutions decide what’s worth pursuing versus what’s just the latest headline?

Joining host Jason Henrichs are two people who view the landscape from different vantage points: Alex Johnson, Founder of FinTech Takes who analyzes and challenges the narratives shaping fintech, and Meghan Kober, Head of Fintech Partnerships & Investments at U.S. Bank who sits on the side of who decides which innovations get deployed within one of the most innovative banks. Together, they dig into where fintech stands today and what the next phase might look like once the noise settles.

This episode of Breaking Banks is part of the FintechXchange recording series at the University of Utah, powered by U.S. Bank.

The current regulatory regime in the US promised a lighter touch and more de novo charters. Sure enough, there has been a flurry of activity with a wide range of applications being submitted from long time payment providers like Paypal, neobanks looking to break free from their BaaS sponsors, and even silicon valley insiders looking to build the bank of the future like Erebor.

Reading the various applications and hearing the varied business plans raised a very fundamental question: What if bank charters are being issued to companies that don’t actually want to be banks?

We tend to treat a charter like a finish line — as if the moment you get one, you’ve crossed into some higher state of legitimacy. But a charter is a regulatory status. Being a bank is an economic role. And those two things may be drifting apart.

In this episode of Breaking Banks, Jason Henrichs and Jeff Taft, Partner at Mayer Brown, dig into that tension. Jeff has advised on bank formations, regulatory strategy, and some of the most complex de novo and specialty charter conversations in the market. He has a front-row seat to how applicants think about charters — and how regulators evaluate readiness to operate as banks.

This conversation was recorded live as part of FintechXchange put on by the Fintech Center at the University of Utah. This Hot Takes series is powered by U.S. Bank.

Now let’s dig in to the question: are most charter applicants trying to become banks — or trying to become regulated?

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:

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