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In this episode of Breaking Banks Africa, Matteo Rizzi sits down with Dr. Stanley Jacobs, President of Fintech Nigeria and VP for West Africa at the Africa Fintech Network. They explore Nigeria’s fintech evolution, the rise of unicorns, and the opportunities shaping Africa’s youthful, tech-savvy population. From ecosystem building and cross-border innovation to talent development and digital inclusion, Dr. Jacobs shares insights on harmonizing regulations, fostering financial literacy, and empowering the next generation of African digital natives. This conversation offers a front-row seat to Africa’s booming fintech landscape and the strategies driving inclusive, scalable growth across the continent.

Quit to win” is the unconventional advice given by entrepreneur Francesco Urso, who has written a book by that title. Urso explains to The Futurists how the best career strategy in a time of turmoil is to create your own company. In this episode, he explains how to surmount the barriers of fear and inertia, to quit your job and start a new venture.

In this episode, author Dimitrios Salampasis joins host Paolo Sironi to introduce the Research Handbook on FinTech, a global scholarly effort to understand finance’s radical transformation. Two decades ago, finance meant traditional banks and centralised institutions. Today, digital payments, AI, blockchain, and central bank digital currencies are rewriting the rules. Dimitrios explains why this handbook arrives at the perfect moment: FinTech has matured from startup hype into core infrastructure, involving regulators, central banks, technology companies, and incumbents alike. It now shapes payments, digital assets, identity, trust, and inclusion worldwide. He reveals his motivation: to bridge the gap between rapid innovation and lagging academic theory by uniting leading scholars across finance, law, economics, and technology into one intellectual map. Editing the book felt like conducting an orchestra—bringing global experts together while keeping pace with fast-moving developments. Dimitrios highlights the surprising global reach of FinTech, the convergence of AI and blockchain, and the growing role of governments. Essential reading for researchers, policymakers, practitioners, and students seeking to understand—and shape—the future of digital finance. LINKEDIN https://www.linkedin.com/in/dimitriossalampasis

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.

In This Episode 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.

In This Episode 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.

In This Episode 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.

In This Episode 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.

In This Episode 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…

In This Episode 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.

In This Episode 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.