Show Notes
In This Episode
Markets are whipsawing, rate paths are murky, and headlines keep revising “the facts”, but no matter where we are in the economic cycle, the future presses on regardless. Our resident futurist Brett King and our resident “recovering banker” JP Nicols debate what that means for incumbent financial institutions and insurgent fintechs.
We unpack how AI is shifting from pilots to profit (and where it’s still hype), why deposit mobility and funding stability will be the quiet kingmakers of 2026, and how the inevitable continued rise of agentic AI and its insatiable need for energy collide with real world Monday morning priorities.
If you’re ready to retire the 2006 playbook and win in 2026, you’ll want to give this one a listen.
More from Breaking Banks
Barq means lightning in Arabic, and for once the brand name might be underselling it. One million users in three weeks, more than 15 million users across over 210 nationalities today, with around $118 billion processed since launch.
In this episode, Brett King sits down with Carl Rivera, Chief Product Officer at Nubank—one of the world’s largest digital banking platforms—to discuss how Nubank is redefining modern banking.
As banking, wealth, and commerce converge, customers increasingly expect one view of their financial life — a view they often get from third-party apps rather than their bank. Are banks misdiagnosing what is holding them back?
As a Peace Corps volunteer with an engineering degree from MIT, Doug Ricket, Founder and CEO, PayJoy, a leading financial services provider for underserved consumers across emerging markets, learned first-hand what it means to build trust in underserved communities. The experience in West Africa sparked a long-held interest that eventually put Doug’s engineering and tech background to work to make a true financial impact and build a mission-driven business for underserved consumers, 20 million of them to date across 9 countries (Mexico, Brazil, Indonesia, South Africa, Ecuador, Peru, Panama, Colombia, and the Philippines)
Can a not-for-profit, member-owned credit union genuinely out-innovate a bank with a multi-billion-dollar AI budget by being more disciplined and mission-anchored?