Episodios

  • How Will U.S. Banks Survive the Branch Decline? Branch Tomorrow

    How Will U.S. Banks Survive the Branch Decline? Branch Tomorrow
    Oct 2 2025
    In This Episode This week on Breaking Banks we finish our series on Brett King's new book, Branch Tomorrow where we've featured interviews with Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings a specialty in a different market, giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin America. In this episode of Breaking Banks, Brett King and Jim Marous, banking industry leader, fintech influencer, publisher and podcast host, dive into the insights from Branch Tomorrow from the U.S. perspective. They explore the evolving landscape of banking, focusing on the decline of physical branches (with peak branches in the U.S. in 2008) and the rise of digital banking solutions. While some large banks still invest in branches, smaller banks often struggle to justify the cost. The shift to digital is driven by customer behavior and operational efficiency, With a keen eye on the economics and sustainability of traditional banking models, Jim and Brett discuss the challenges and opportunities facing financial institutions today. Tune in to the episode to better understand the U.S. banking market, and why being digital-first is crucial for survival in the modern banking world. Branch Tomorrow, available now!, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is truly here and is built on digital realities. Lead the change before it disrupts you!
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    34 m
  • Reshuffle: Who Wins When AI Restacks the Knowledge Economy

    Reshuffle: Who Wins When AI Restacks the Knowledge Economy
    Sep 25 2025
    In This Episode This week onBreaking Banks, we spotlight the newest member of the Provoke.fm family, Bankers' Bookshelf, hosted by Paolo Sironi. This episode features Paolo's interview with Sangeet Paul Choudary, author of the new book, Reshuffle: Who Wins When AI Restacks the Knowledge Economy. Paolo and Sangeet discuss how AI is set to transform the global economy and company operations by redistributing power among key players. Sangeet explores four key tensions driving this transformation: tensions between workers and their software tools; tool providers and the organizations that use them; businesses consolidating power and the industries they disrupt; and empowered individuals and established incumbents. Drawing on compelling examples, historical parallels, and innovative perspectives, this conversation uncovers the opportunities and challenges AI presents—and reveals who stands to succeed or struggle when AI restacks the deck. Don't get left behind! Listen now!
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    34 m
  • Surviving the VUCA Bazooka: Turning Volatility, Uncertainty, Complexity, and Ambiguity into Competitive Advantage

    Surviving the VUCA Bazooka: Turning Volatility, Uncertainty, Complexity, and Ambiguity into Competitive Advantage
    Sep 18 2025
    In This Episode Gyrating securities prices, perplexing consumer confidence numbers, multiple revisions of jobs numbers, varying interest rate forecasts- that’s VUCA: Volatility, Uncertainty, Complexity, and Ambiguity. Tim Mahedy is Founder and Chief Economist at Access Macro and serves as the Chief Economist at Alloy Labs, and his perspective, shaped by time at the IMF, as the Chief of Staff at the San Francisco Federal Reserve, and by advising leaders globally, comes at a critical moment. He joins host JP Nicols to reveal why the old banking playbooks are dead, how the “VUCA Bazooka” is reshaping the landscape not just now, but for the foreseeable future, and what bold leaders must do now to turn chaos into their biggest competitive advantage. If you don’t want to be left behind, this is your wake-up call, and your blueprint to winning in 2026 and beyond. JP Nicols and Tim Mahedy will be giving an executive briefing on their findings and recommendations on October 2nd. Learn more and register at AlloyLabs.com/events
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    49 m
  • The Futurists Takeover: A Fascinating Interview With Physicist Brian Cox

    The Futurists Takeover: A Fascinating Interview With Physicist Brian Cox
    Sep 11 2025
    In This Episode This week on Breaking Banks, we feature a fascinating and thought-provoking episode from our sister podcast, The Futurists, where Brett King welcomes celebrated experimental astrophysicist Professor Brian Cox. Professor Cox, an English physicist and musician, is widely recognized for presenting science programs such as BBC Radio 4's The Infinite Monkey Cage and the Wonders of... series. He is also the author of two popular science books: Why Does E=mc²? (And Why Should We Care?) and The Quantum Universe. He's selected to deliver the keynote address at The Futurists X Summit in Dubai on September 22nd. In this episode, Professor Cox dives into how our understanding of black holes and quantum information theory could change our fundamental understanding of the universe, ushering in a new era of scientific advancement. Professor Brian Cox is one of the most articulate scientists in the world today. This interview underscores that, in an era where science faces ongoing challenges from political forces and media, our future lies in embracing knowledge and applied intelligence. Are we at the event horizon of something new and extraordinary?
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    44 m
  • The Economics and Future of Banking: Branch Tomorrow

    The Economics and Future of Banking: Branch Tomorrow
    Sep 4 2025
    In This Episode This week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow, featuring interviews with contributing authors: Bruno Diniz, Efi Pylarinou,Jim Marous, Paolo Sironi, and Richard Turrin. Each brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, and the future of financial services across the globe, from the US to India, Europe, China, and Latin America. In this episode, Branch Tomorrow co-author Efi Pylarinou, a leading global fintech and tech influencer, shares insights on branch transformation from the European zone. Efi delves into some of the uniqueness, challenges and opportunities of the European market -- a great example of diversity and different ways of operating -- one item of note, the large Post Office networks that can essentially compete with fintechs and offer services. In looking at the evolution of banking and to the future of banking in Europe, Efi and Brett focus on the transition from traditional banking to digital-only models like Revolut, breaking down what makes them successful, taking a close look at the economics of the different models. They also explore how AI is reshaping customer experiences in banking, the impact of cashlessness, and the social implications of some of these changes. How will regulatory challenges shape the future of banking? Will shared banking spaces emerge as a solution for branches? In the next five years, in Europe and globally, will we see new disruptors that will challenge existing disruptors from the last decade? The future of banking is here. Branch Tomorrow, a must-read for future-focused leaders dedicated to thriving in the digital transformation of finance -- available mid-September. Get a sneak peek by listening now!
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    40 m
  • The Rise of Digital Banking and Fintechs: Branch Tomorrow

    The Rise of Digital Banking and Fintechs: Branch Tomorrow
    Aug 28 2025
    In This Episode This week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow. We feature interviews with some of Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin America. In this episode, Brett speaks with Richard Turrin, an industry leader in fintech innovation and digital transformation, and Author of Cashless: China's Digital Currency. Brett and Richard delve into the robust digital financial services landscape in China which experienced significant digital disruption starting in the mid-2010s. You'll hear how bankers there are still reeling from the unprecedented scale of disruption brought on by MYbank, WeBank, WeChat and Alipay. Then, Brett connects with Paolo Sironi, Global Research Leader in Banking and Financial Markets at the IBM Institute for Business Value and host of Provoke.fm's Bankers Bookshelf podcast. Paolo shares insights from the Eurozone on branch transformation, highlighting how some European banks are embracing digitization by evolving their branches. He discusses how they are balancing digital and physical presence by adjusting their in-branch product offerings, with a focus on personalization, financial inclusion, and maintaining strong customer engagement. Tune in now for these insightful conversations! Branch Tomorrow, available mid-September, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is here!
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    1 h y 10 m
  • The Rise and Fall of the Branch Bank: Branch Tomorrow

    The Rise and Fall of the Branch Bank: Branch Tomorrow
    Aug 21 2025
    In This Episode This week on Breaking Banks we're excited to introduce Brett King's latest book, Branch Tomorrow. This new book re-examines our understanding of bank branches, banking culture, and the future of financial services across the globe, from the US to India, China and Latin America. In a special Breaking Banks series, Brett interviews contributing authors Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin to deliver a multi-perspective global look at banking. Each author brings specialties in different markets; all analyzing changes and data from the past decade to what's been happening with branch banking and providing insights into the ongoing transformation in finance. In this conversation, Brett speaks with Bruno Diniz, Financial Innovation Expert, Bestselling Author, Speaker and Professor specializing in fostering financial innovation in Latin America. They delve into the evolution of banking in Brazil and LATAM, particularly the decline of traditional bank branches and the rise of digital banks like Nubank with its rapid growth in Latin America (123 million+ customers). They also explore the impact of regulatory changes, the economics of digital banking, and the role of innovative payment systems like PIX while discussing the challenges traditional banks face in adapting to this rapidly changing financial landscape. We encourage you to listen now and stay tuned for more in this series! Branch Tomorrow, releasing in September, is a must-read for bankers, regulators, fintech innovators, and future-focused leaders eager to thrive in the digital transformation of finance. The future of banking is here!
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    35 m
  • Building Financial Health Standards to Improve Lives and Institutions

    Building Financial Health Standards to Improve Lives and Institutions
    Aug 14 2025
    In This Episode In this episode, Breaking Banks delves into the evolving landscape of financial health standards, exploring how the Financial Health Network is pioneering a new set of standards aimed at designing financial products that prioritize consumer well-being. These standards, set to transform financial services by focusing on customer-centric outcomes, start with a focus on checking accounts and credit cards. encouraging people to spend well, and will be part of a library of standards around how financial institutions and fintechs can design financial products and services with the user's financial health outcome in mind. A practical blueprint for building financial products with integrated financial health solutions. Listen as Jason Henrichs and Brett King catch up with frequent guest Jennifer Tescher, President and CEO of the Financial Health Network and host of the EMERGE Everywhere podcast to discuss these new finhealth standards launched at the recent EMERGE conference. The trio explore: Creating a financially inclusive global economy: challenges and opportunities How financial industry standards shape consumer outcomes and institutional practices Improving financial decision-making through standards and outcome-focused frameworks Managing personal finances effectively with standardized financial practices Understanding moral hazard in financial services and regulation The impact of incentives and leadership priorities on financial system trust and performance Do consumers trust artificial intelligence more than traditional financial institutions? Small changes can drive big impact and improve financial decisions, management and ultimately financial lives. There is a lot that financial institutions and fintechs can do right now and make a difference, but there's also a lot to get right -- tune in now!
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    42 m