Bankadelic: The colorful side of finance
Award-winning journalist and Pulitzer Prize finalist hosts a podcast exploring the colorful side of finance, featuring interviews and stories from the banking world. The show aims to make finance engaging and accessible, with original music composed and performed by the host.
Episodes
EPISODE 233: BEYOND THE BOTTOM LINE, BANK CULTURE MATTERS MOST
Every bank needs to pay attention to the balance sheet but what makes many happy returns possible? Energized employees in a thriving culture provide without a doubt the x-factor that allows a financial institution to succeed and outperform its less culture-centric peers. Anthony J. Labozzetta, President and CEO of Provident Financial Services and Provident Bank, discusses how his regional puts cul
EPISODE 232 : SLMs, EDGE COMPUTING AND BIOMETRICS = BANKING'S TECH MUSCLE
On this episode Sean Mallean, Head of Global Innovation at NCR Atleos, makes a strong case for how an older technology -- edge computing -- can team up with a mighty mini version of todays LLMs -- the small language model -- to produce better banking results for financial institutions. Add in biometrics to reduce friction and you're looking at a vision of banking that best serves customers and e
EPISODE 231: HOW A PERSONAL LOAN PLATFORM USED AI TO TRANSFORM ITS BUSINESS
EPISODE 231: HOW A PERSONAL LOAN PLATFORM USED AI TO TRANSFORM ITS BUSINESS by Bankadelic: The colorful side of finance
EPISODE 230: MORE FROM A FINTECH SAGE ON TALENT, AGENTIC AI, AND SMART PLANNING
It's hard to imagine (go ahead and try) a fintech veteran with as much combined common sense, wisdom and experience as Tom Shen. In this episode, the second of two parts, Tom sets us straight on how winning companies will treat AI as much more than a technology--and make the links to people and purpose as part of a savvy plan, not an afterthought. Check out Episode 228 for more of Tom's thoughts o
EPISODE 229: FUNNY MONEY--ANOTHER ROUND OF BANKADELIC SKITS
Whether it was our 200th episode celebration, Valentine’s Day or japes at the expense of guests who didn’t deserve it, Bankadelic’s Not Ready for Prime Rate Players crashed many an episode under the pretense of providing humor to the proceedings. It’s all in the spirit of “the colourful side of finance,” and on this recap we hear from Mrs. Cockney, The Funk LLM All-Stars, Elmo the Gentleman Farmer
EPISODE 228: A LEADING FINTECH SAGE: "THE TOP PRIORITY FOR 2026 IS ______."
Tom Shen may be the most knowldgeable fintech veteran out there; he's a successful entrepreneur who sits on the boards of three companies and has guided strategy with uncommon wosdom and humility. So what does this self-described "chief dabler monkey" name as the top priority for financial services in 2026? Tom wastes no time giving us the answer and defending it in depth. This is the first of a
EPISODE 227: AN EFFECTIVE, FOCUSED APPROACH TO AI FOR BANKS
While LLMs and AI have changed the financial services landscape for good, there’s not so much talk about how to improve the manageability of these resources so they can work better for banks. Titan AI founder and CEO Arjun Sirrah explains how his New York-based company has built its technology based on an effective three-prong model — security, explainability and domain specificity — that’s access
EPISODE 226: GIVING BANKS A HAND SO SMALL BUSINESSES CAN GET A HAND
Between the twin pillars of accelerating technology and talent challenges, banks that want to serve the small business community, especially on a local level, may think the challenges a bit overwhelming. Ricky Guillot, President and CEO of BAFS, explains how his company helps community financial institutions grow their commercial loan portfolios without adding staff or taking on extra risk.
EPISODE 225: ARTIFICIAL INTELLIGENCE GETS REAL IN SMALL BUSINESS LENDING--IN MINUTES
The fact is that today, much of the small business lending world moves at horse and buggy speed. Old school applications? Check. Bank PDFs? Check. Four week decision times? Check. Time to cross off all those check marks and add a definitive game changer to the mix. On this episode, Casca CEO Lukas Haffer explains how he brought the financial pain points learned at Stanford into the real world, mak
EPISODE 224 OR SO: BANKADELIC'S APRIL FOOLS DAY PODCAST
If you think the joke’s on you, you’d almost be correct: It’s on Lou, as he does his absolute best not to look like a dumbass in the presence of three guests who know their fintech, AI and then some. What were banks fooled by? Where do they get the last laugh? All that and more, with special appearances from three of Bankadelic’s Not Ready for Prime Rate Players: billionaire Worthington Bigbucks,
EPISODE 223: SMALL BUSINESS CAPITAL AT THE CROSSROADS
The uncertain economic environment that has sent gas prices soaring and tossed the stock market topsy-turvy has created ripples felt throughout financial services, especially at the level where small businesses need to secure money to grow and function. Will Tumulty, the CEO at Rapid Finance, explains how small businesses can beat the odds, obtain funding the smart way and leverage advances in art
EPISODE 222: AI—TOY OR TOOL, HYPE OR HOPE?
As financial institutions grapple with some serious issues, from fraud to disconnected workflows, many are rushing — in some cases too fast — to enlist AI as the Bot in Shining Armor. Sriram Natarajan, President at Quinte Financial Technologies Inc., walks us through smart ways to think about AI and employ it as a tool to address challenges when given the right data, focus, and end-to-end visionin
EPISODE 221: PRE-IPO LIQUIDITY AND THE BOOMING IPO LANSCAPE IN 2026
With 2026 set to be a record-breaking year on the IPO front, our guest Greg Martin, Founding Partner of Liquid Stock, weighs in on what he sees over a range of high-flying companies from SpaceX to OpenAI. He also discusses the pain point his company aims to solve: helping employees tap into their liquidity during the often long ramp-up to a business going public.
EPISODE 220: A COMMUNITY BANKING LEADER AND FINTECH TRAILBLAZER TRANSFORM ACCOUNTS FOR THE DIGITAL AGE
Jill Castilla of Citizens Bank of Edmond has been recognized time and again as one of the financial sevices industry’s leading lights. Kian Sarreshteh of InvestiFi has brainstormed how to bring digital investing inside traditional accounts. On this special episode of Bankadelic, Kian and Jill share how they’ve brought the InvestiFi platform to Citizens Bank account holders, giving them an easier w
EPISODE 219: THE 2026 BANKADELIC VALENTINE'S DAY LOVEFEST (PART 2)
Who says you cabn't declare your bankiinglove twice in one week? In this second special Valentine's Day episodes, four Cupids of Coin gather to discuss their loves, loathes and hopes in banking. The goss in 2026 is whether AI is the white knight on a silicon stallion, or a two-timin' hallucinating player. Join us as we solve that mystery and many others in the relam of love and finance.
Our guest
EPISODE 218 : THE 2026 BANKADELIC VALENTINE'S DAY LOVEFEST (PART ONE)
In love with banking? Feeling jilted by AI? Is your fintech life a box of chocolates? Whatever the state of your financial attachments, Bankadelic invites you back to another two-part holiday special, featuring three fabulous guests sharing their views on the state of banking play in 2026. Resident Bankadelic tycoon Worthington Bigbucks also drops by to deliver a Shakesperean sonnet that shares th
EPISODE 217: EDUCATE, LISTEN , LEAD: HOW A MORTGAGE STANDOUT BUILDS SUCCESS IN MARGIN AND MISSION
While many prospective homebuyers are living the American Dream Deferred, others are finding their way thanks to committed professionals who understand how to turn knowledge gaps into opportunities to educate and win customer loyalty. Jeremy Davis, President of Mortgage at Southern Bancorp, describes his successful business approach centered on consumer education and community involvement. His han
EPISODE 216: THE DIGITAL CD RENAISSANCE--AND THE MAN BEHIND IT
Certificates of deposit have been around since the days of bank vacation clubs and paper passbooks. But they’ve caught up to the digital age, and then some, thanks to the vision and passion of a Seattle-based banker. John Blizzard, Founder of CD Valet, takes us through the ins and outs of an online destination that offers customers some 40,000 choices, likely making it the largest such marketplace
EPISODE 215: BANKADELIC'S FIVE FINANCIAL SERVICES PREDICTIONS FOR 2026
So AI is on the rise for FIs: Tell us something we don't already know. But will agentic AI gain traction? Will banks hyperpersonalize with all that data or just muck about in the ones and zeroes? How will community banks and credit unions assert their relevance? The questions abound in 2026, and Bankadelic's got answers, based on interviews, McKinsey intelligence, statistics and more. Stick around
EPISODE 214: THE AI 4: WILL 2026 BE THE YEAR OF HYPERPERSONALIZAION--OR HYPE?
As part of our ongoing series on the biggest tech breakthrough in history, Bankadelic's "AI 4" experts tackle the subject of hyper-personalization. The idea that every bank customer is different--and thus should be treated as an individual--is common sense. Yet too often, financial institutions rely on "spray and pray" emails and generic loan offers that have nothing to do with the person who gets
EPISODE 213: NEW YEAR’S RESOLUTIONS FOR IN-DEBT CONSUMERS AND THEIR BANKS
As credit card APRs continue to soar, consumers remain addicted to the habit of putting everything on plastic, especially around the holidays. With the arrival of 2026, LendingClub Chief Customer Officer Mark Elliot walks us through how consumers can leverage debit cards to recover financial sanity, how banks can better promote financial wellness—and how his organization provides free tools such a
EPISODE 212: THE BANKADELIC 2025 HOLIDAY EXTRAVAGANZA
It's that time of year again, when Banka Claus and his Bankadelic Elves come round to share holiday presents and cheer ... and four special guests offer their best banking insights: the highs, lows and hopes for the year ahead. They also dish about the holiday gifts that didn't quite work as we present the second annual Preetha Pulusani Leather Purse for Vegans Award, named in honor of DeepTarget'
JOHNNY DA BIG READS "DA NIGHT BEFORE XMAS" A.K.A. "NICKY DA SAINT"
Just when you thought the holidays were safe from Bankadelic insanity, along comes resident wise guy Johnny Da Big with his version of "The Night Before Christmans," featuring that syndicate boss in the red suit, Nicky Da Saint. Craps games, law enforcement raids, bare-knuckled insults ... it'll have you dreaming of a White Chrstmas, or any other kind for that matter, rather than this one.
EPISODE 211 : A MARKETWATCH COLUMNIST SHARES A MOTHER-DAUGHTER FINANCIAL JOURNEY
Those compelled to assist an ailing parent with their finances — and that’s likely you or someone you know — could look for a playbook. Or seek out an expert. Or learn from someone’s personal story. But how about all three? Beth Pinsker, CFP, and retirement columnist for MarketWatch shares her hard-won insights, rock-solid advice and the ways banks can do better in her just-released book “My Mothe
A BANKADELIC EPISODE 200 CELEBRATION
Leave it to us to mount our milestone 200th podcast 9 episodes late. But we also do things a bit differently at the Bankadelic Bunker. Here to help us mark the occasion, William Mills Agency EVP Catherine Laws turns the tables on host Lou Carlozo and interviews HIM. What does he have to say for himself? Find out, and take in all the well wishes from fintech industry stars, an executioner and a fa
EPISODE 210: HOW COMMUNITY FIs CAN WIN THE DATA AND AI GAME
Before banks of any size can make the most of risk-informed business intelligence, they have to get their data act together and their business priorities straight. Edward Vincent, the CEO at Lumio Solutions, discusses smart data strategy at a time when AI is taking center stage ... even though many banking execs aren't exactly sure how to use it. The goal, as Vincent describes it, is to help deci
EPISODE 209: A CFPB PIONEER TURNS CONSUMER COMPLAINTS INTO AI-POWERED RELIEF
Even with the year-long purge of long-standing federal government agencies, the Consumer Financial Protection Bureau still stands as a bulwark for people who seek information and resources in their dealings with financial institutions. On this episode, James 'Jim” McCarthy of McCarthy Hatch shares about his days getting the bureau off the ground—and how his company utilizes real-time risk predicti
EPISODE 208 : THE BANKADELIC 2025 BANKSGIVING SPECIAL, WITH ALL THE TRIMMINGS
It’s a long Thanksgiving road trip… Back Friday sales have been going on since August … and someone’s gonna pick a fight over the drumstick. So why not treat yourself before the Turkey Day going gets tough so we’ve got a gift for you no turkey could come close to topping. Join us as our three panelists gather ‘round the table to discuss what they’re thankful for, even as they nominate winners for
EPISODE 207: A MEXICAN CHALLENGER BANK CHALLENGES INDUSTRY STEREOTYPES
On this episode, Trafalgar Founder and CEO Jose Porfirio Sánchez-Talavera calls in from Mexico City to share how his challenger bank works to maintain harmonious relationships with regulators, customers and shareholders. It’s an almost radical proposition in an era where banks aren’t shy about putting profits far above all else, and fintechs act with impunity in a throwback to the bad old days of
EPISODE 206: LOU SHOULDA BEEN THERE: THE BANKADELIC MONEY 20/20 RECAP
More than 11,000 people attended Money 20/20 at the Venetian in Las Vegas, making 2025 another banner year for one of the leading financial services conferences in the world. Bankadelic was there from start to finish and on this episode, host Lou Carlozo recounts the hot discussion topics (from agentic AI to stablecoins), the cool swag (pickleball, anyone?)--along with the action on the convention
LIVE FROM MONEY 20/20 EPISODE 15: HOW TRUSTPILOT BLAZES TRAILS IN BUSINESS INSIGHT, CONSUMER CONFIDENCE
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode taped at the Venetian's Truth and Tonic, Lou casts with Dana Kalfas Bodine, Vice
President of Marketing at Trustpilot. Dana shares findings from the just-completed Write a Review Week, where all U.S. busin
LIVE FROM MONEY 20/20 EPISODE 14: BYE BYE PATHETIC PASSWORDS, HELLO BEDROCK BIOMETRICS
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with a true leader in the biometrics field, Ajay Amlani, CEO of Aware. As the creator of aviation’s CLEAR technology, Amlani launches into a discussion of why biomentrics are more robust than e
LIVE FROM MONEY 20/20 EPISODE 13: THE FINE POINTS OF LOYALTY POINTS
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, we learn all about what it takes to create successful loyalty programs that drive customer engagement and help businesses to get a leg up on their competitors. Joining us are Beth McCoy, President of CORA
EPISODE 205: THE 2025 BANKADELIC HALLOWEEN SPOOKTACULAR
Once again, Lou Carlozo rises from the pumpkin patch to bring you yet another Bankadelic Halloween Spooktacular. This year, we visit many different kinds of ghosts: Why is AI haunting so many financial institutions? Will the loan climate finally break through all the thunder and lightning? And if there are friendly ghosts on the horizon, what might they be? It’s a fabulous cast of FI wizards … and
LIVE FROM MONEY 20/20 EPISODE 12: AI'S REAL IMPACT, UPDATING THE CORE AND MORE
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou talks with Sai Rangachari, Chief Product Officer at Temenos, to learn more about how the Swiss banking software company is embracing the American market. Sai also shares his views on how AI is having
LIVE FROM MONEY 20/20 EPISODE 11: WHY CONSUMERS WILL (AND STILL) FLOCK TO CDs
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with John Blizzard, Founder of CD Valet, to learn more about an online destination that offers customers close to 40,000 choices, likely making it the largest such marketplace in the world. Bliz
LIVE FROM MONEY 20/20 EPISODE 10: MEETING AI’S HOPE AND HYPE WITH IA (INNOVATION ACUITY)
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with one of his favorite return guests, Steven J. Ramirez, CEO of Beyond the Arc. The FI veteran shares his views on big opportunities in AI and finance, including the creation of compliance doc
LIVE FROM MONEY 20/20 EPISODE 9: ENGAGEMENT, RETENTION AND THE HIDDEN DIMENSIONS OF EMBEDDED FINANCE
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, ASA Founder/CEO Landon Glenn explains how collaborative banking and embedded finance create exciting opportunities across the board. When financial institutions can offer new digital tools, customers have
LIVE FROM MONEY 20/20 EPISODE 8: THE VALUES THAT DRIVE CLARITYPAY’S VALUE PROP FOR MERCHANTS
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou meets an enlightened founder who’s making waves as a payments -merchants innovator, Houman Motaharian (left), CEO of ClarityPay. He’s joined by Tom Carter, Chief Commercial Officer, and together they
LIVE FROM MONEY 20/20 EPISODE 7: MEET THE BRAINS BEHIND COGNITIVE BANKING
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou’s introduced to the revolutionary concept of “cognitive banking” by Udi Ziv, CEO of Personetics. In a cognitive banking world, agentic processes stand in to represent the best interests of the custome
LIVE FROM MONEY 20/20 EPISODE 6: A CITI LEADER EXPLAINS IT ALL, FROM AGENTIC AI TO REAL-TIME PAYMENTS
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. Conference speaker Sophia Bantanidis, Head of Future of Finance at the Citi institute, walks us through two laser-sharp reports, "Real Time 24/7 Finance in an Always-On World" and "Agentic AI: Finance and the Do it for Me
LIVE FROM MONEY 20/20 EPISODE 5: HOW CHARGEFLOW STRIKES A BLOW AGAINST CHARGEBACK FRAUDSTERS
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode Lou chats with Frank Frantz, Founding Growth Executive at Chargeflow, to learn how the company is tackling an online theft merchants hate: chargebacks. Typically these fraudsters request refunds on a purch
LIVE FROM MONEY 20/20 EPISODE 4: SILICON VALLEY BANK'S CRYPTO EXPERT ON STABLECOINS, THE BANK'S COMEBACK STORY AND MORE
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Anthony Vassallo, Senior Vice President of Crypto at Silicon Valley Bank, walks us through the state of crypto in 2025, the ascendancy of stable coins--and why the bank chose not to rebrand following its
LIVE FROM MONEY20/20 EPISODE 3: THE STORY BEHIND ALKAMI'S WINNING FINTECH FORMULA
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou talks with Alkami Technology founder Stephen Bohanon, who shares the story of how his company has grown since 2009 from a feisty startup to a digital banking industry leader. He also discusses the uni
LIVE FROM MONEY 20/20 EPISODE 2: SEARCHING FOR THE BEST IN CUSTOMER-FIRST AI
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with David Ness, Candescent's Head of Fintech Partnerships, who shares his boots-on-the-ground perspective of the convention, including the intense conversations surrounding AI's tentative but n
LIVE FROM MONEY20/20 EPISODE 1: USING FINTECH TO FIGHT HUNGER
In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. One conference speaker making waves is John Patton, Founder and Executive Director of Street Charity in Atlanta. Patton shares the story of how his desire to help the homeless turned into an initiative, backed by Discove
EPISODE 204: FROM CREDIT CARD DEBT AND RUNAWAY STRESS TO SOUND FINANCIAL FOOTING
It only takes one unexpected big bill or the prologued drip-drip-drip of leaky finances to create debt of a different kind—manifested in physical stress, lack of sleep and mental health challenges. In this episode, Matt Tomko, Chief Revenue Officer at Happy Money, shares the results of a survey that sheds light on the consumer debt epidemic and the spiral of helplessness it creates. Tomko also exp
EPISODE 203: WHEN A MOBILE BANKING BUSINESS AND CYBERSECURITY FIRM JOIN FORCES
On this special episode of Bankadelic, Apiture Chief Product Officer Daniel Haisley (left) and DefenseStorm CEO Steve Soukup (right) talk about how thier businesses joined forces to elevate Apiture's mobile banking service to a new level of cyber-threat preparedness. That's all the more relevant given how AI is being accessed by fraudsters through "Deep Fakes as a Service" (DFaaS) on the Dark Web-
EPISODE 202: FINALLY, THE FACTS ON AGENTIC AI
Perhaps the most talked-about aspect of artificial intelligence in 2025 has been agentic AI—the technology that computers will use to make decisions without the need for human intervention. But are financial institutions jumping the gun to embrace fintech that’s not yet ready for prime time? On this episode, two of the founders of Tyfone — Siva Narendra (left) and Prabhakar Tadepalli — explain wha
EPISODE 201: TAKING DEEP EXPERIENCE TO THE DEEP FAKE CHALLENGE
New statistics show that only a minuscule percentage of people know a deep fake when they see one. That creates a huge peril for financial institutions, businesses and consumers who aren’t ready to face the full frontal assault of cybercriminals armed with AI. Andrew Bud, Founder and CEO of iProov, draws on decades of tech experience to explain how deep fakes can be spotted, and shares how his com
EPISODE 199: AN ENTREPRENEURIAL LEADER SHARES HOW FIs, FINTECHS AND CONSUMERS CAN WIN
As smaller institutions often learn the hard way, you can't just throw a switch on new tech and expect all will go well--especially when marketing teams, for example, are overlooked. What should the value propositions be for community banks and credit unions at a time when everyone's trying to win on rates? And how best to apply key pieces of the high-tech puzzle? Samantha Paxson, Founder and Lead
EPISODE 198: THE $3 TRILLION CD REVOLUTION
Long regarded as frumpy financial vehicles, certificates of deposit are playing a huge role in a volatile marketplace. But how do local and regional banks compete with the big dogs and win? John Blizzard, President and CEO of Seattle Bank and Founder of CD Valet, explains why consumer demand for certificates continues to be strong—and how the right platform can put banks of all sizes in the hunt f
EPISODE 197: BANKADELIC'S LABOR DAY EXTRAVAGANZA
Is it time to put the white clothes away? Find out what our panel of four distinguished fintech experts has to say about this and much more pressing subjects -- such as, which end of financial services deserves an extra day off -- on this special holiday show. One more barbecue, one more beach day but at Bankadelic it's always summer fun... or at least fun and food for thought no matter the season
EPISODE 196: HOW A MAJOR BANKING TALENT BOLSTERS HER BANK'S HUMAN TALENT
In light of all the unknowns surrounding AI and its ascendancy, questions of human talent have taken on more currency and urgency than ever before. In this episode, Susan LaMonica, Chief Human Resources Officer at Citizens Bank, talks about how financial institutions can recognize the deeper needs of their team members and create a winning formula based on workplace culture, commitments to learnin
EPISODE 195: SETTING THE STAGE FOR A SAVINGS ACCOUNT COMEBACK
While it made sense that savings accounts weren't that popular in the era of near-zero percent interest, the environment is ripe for America’s consumers to wield this important financial tool their to their advantage. Cetin Duransoy, CEO of Raisin US, examines the current environment and explains how his platform helps consumers connect with banks in search of the best interest rates.
To read Ra
EPISODE 194: HOW BANKS RATE ON THE DIGITAL MATURITY SPECTRUM
Given that digital technology and data go hand in hand, there hasn’t been much precision in measuring how banks rise to the challenge of becoming tech-savvy leaders. Allison Cerra, Chief Marketing Officer at Alkami, shares the results of her company’s 2025 Digital Maturity Model + Report, which breaks financial institutions into four distinct cohorts—each reflecting an increased level of digitally
EPISODE 193: FROM AGENTIC AI TO EXTENSIBILITY, FINTECH’S APPROACHING HORIZON
Starting with 2020 and the pandemic, fintech has run at blazing speed. Today it's adopted large language models; tomorrow the explosive power of quantum computing. On this episode Gareth Gatson, Chief Product Officer of Candescent, takes us on tour through the near — some would say very near — future of banking in the digital age that makes the most of AI while expanding service and product platfo
EPISODE 192: THE CASE FOR OPEN BANKING IN THE AI AGE
The discussion around open banking first heated up before ChatGPT and LLMs became a fact of digital life. Now, the power of that technology — and the impending arrival of agentic AI — promise to multiply open banking’s power exponentially. Ray Denis, the CEO and founder of Sandbox Wealth, walks us through how open banking works and the incredible potential artificial intelligence brings to it.
EPISODE 191: MAKING FASTER PAYMENTS WORK FOR CONSUMERS AND CREDIT UNIONS
Though the work of the Federal Reserve’s Faster Payments Task Force took up a good portion of the last decade, its efforts to speed the rails of payments in the U.S. are just starting to bear some exciting fruit. Keith Riddle, General Manager of Payfinia and its CUSO structure, explains the fine points of payment efficiency, how consumers will benefit on so many levels--and why credit unions will
EPISODE 190: THE LAND OF THE THREE: A TRIO OF CEOs AND THE BANKADELIC JULY 4th COOKOUT
What better way to spice up the backyad BBQ and ignite those fireworks than to spend it with your friends at Bankadelic, and our three specoial CEO guests? They're all at the top of the fintech game and here to tell you about what makes for banking freedom in 2025 -- while also looking at those last pockets of dependence in the finserv landscape and celebrating achievements worthy of lighting a sp
EPISODE 189: THE AI 5: DATA BREAKTHROUGHS IN ARTIFICIAL INTELLIGENCE
As part of our ongoing series on the biggest tech breakthrough in history, Bankadelic's "AI 5" experts tackle the subject of banks and data. The truth is, banks aren't doing nearly enough with customer data--and while the numbers often seem abstract to consumers, the freedom to move their money more freely isn't. From agentic AI to the question of banks getting their high-tech act together, our di
EPISODE 188: BANKADELIC'S "AI 5" PANEL TALKS CYBERSECURITY IN A DANGEROUS DIGITAL TIME
As artificial intelligence ascends to heights never before seen in banking, Bankadelic brings back a panel of experts to discuss the fine points and the future: "The AI 5." On this episode, our five fintech experts give us a glimpse into the perils and promise of cybersecurity. It's a time when hackers brandish more powerful tools than ever--but banks and consumers can fight back, even to the poin
EPISODE 187: WHY BANKS FAIL AT BRANDING--BUT CAN FIND SMART WAYS TO DO BETTER
It's all too common to find stale slogans like "Your hometown bank" among financial institutions that compete on the same tired turf for better rates and the like. But as Martha Bartlett Piland explains, banks really need to determine what they stand for before they can stand out. She's the author of a brand new book, "Don't Just Brand There, Do Something," and on this episode she discusses how bu
BANKADELIC "AI 5" PODCAST SERIES THEME: "HIGHLAND MAIN LINE: EDINBURGH TO INVERNESS"
Bankadelic is the only financial services podcast that features multiple music tracks written and performed by its host. Here Lou Carlozo introduces the theme for the new “AI 5” series of Bankadelic roundtable shows. “Highland Main Line: Edinburgh to Inverness” is a co-write between host Lou Carlozo and Kathryn Swezy, who plays tin whistle on this recording. Special thanks to Jim Quinn (percussion
SPECIAL EPISODE: HOW TARIFFS WILL IMPACT BANKING AND BORROWERS
With the tariff news out of Washington changing almost daily, even a brief reprieve isn’t of much comfort. Whether you’re a banker, a borrower or a consumer looking to buy a big-screen TV with your credit card, stability and peace of mind have given way to uncertainty and anxiety. In this special episode of Bankadelic, host Lou Carlozo chats with Will Tumulty of Rapid Finance and Dr. Daniel Ahn of
EPISODE 185: HARD TRUTHS FOR THE BANKING BUSINESS IN 2025
What bank doesn't think it's great? The real question, though, is this: How many banks actually are great--or are they simply mediocre? In the second of two episodes, Joe Sullivan of Market Insights and Steve Ramirez of Beyond the Arc cover a wide range of topics from how financial institutions can attract young employment prospects to the realities of neobank competitors doing a better job of ser
EPISODE 184: MAKING WAY FOR M&A
Though the economy is going through a rough patch the climate still looks good for mergers and acquisitions, as financial institutions seek to build on competitive advantage, broaden customer base and embrace a future guided by AI. On this episode, the first of two parts, Steven Ramirez of Beyond the Arc (left) and Joe Sullivan of Market Insights (right) and break down the ins and outs of the M&A
EPISODE 183: INSIGHT INTO BANK MANAGEMENT AND TRAINING THROUGH INSIGHT AI
While the challenges of creating management and training programs for bank staff have meant long lead times -- often marked by frustrating roadblocks -- AI has changed the game in one noteworthy instance. John Findlay, CEO and Co-Founder of LemonadeLXP, shares how he developed InsightAI as a tool to revolutionize knowledge management and training for banks, credit unions, and other financial se
EPISODE 182: HOW ONE FEMALE FINTECH LEADER SPRINGS INTO FINANCIAL WELLNESS
It's common sense that financial institutions that look out for their customers -- especially when it comes to improving their financial health -- would come on top where loyalty is concerned. But with a heavy bottom line focus and a "so what" attitude, many miss the mark by a mile. Rochelle Nawrocki Gorey, Co-Founder & CEO SpringFour, guides us through how her company is trying to close the gap a
EPISODE 181: THE BANKADELIC ARTIFICIAL INTELLIGENCE SPECIAL (PART TWO)
Agentic AI. Quantum computing. New terms and tech are redefining the banking sector’s use of artificial intelligence in 2025. Yet financial institutions can still get sucked into chasing a tricked-out gadget as opposed to a smart business solution. The bottom line is that applied right, AI promises a future where banks anticipate and fill customer needs like never before. In the second of two part
EPISODE 180: THE BANKADELIC ARTIFICIAL INTELLIGENCE SPECIAL (PART ONE)
Having already shaken up financial services — and the world at large — artificial intelligence will ascend to heights in 2025 never before seen in the history of banking . But will the view look like from up there? And how will it affect the way customers transact business, and financial institutions move into a future that would’ve seemed stranger than science fiction just a generation ago? In th
EPISODE 178: US BANK’S SMALL BUSINESS SURVEY, FROM WORKERS AND AI TO BEYOND GETTING BY (PART ONE)
Bankadelic is devoting two episodes to a crucial topic for 2025: where small businesses sit (and fit) in a challenging economic landscape. The U.S. Bank Small Business Perspective survey sheds light on the forces and concerns that matter — as reported by the business leaders themselves. In Port One we discuss the findings and what they reveal with Shruti Patel, U.S. Bank, Executive Vice President,
EPISODE 179: US BANK’S SMALL BUSINESS SURVEY: FINDING HAPPY OWNERS AND EMPLOYEES AT SMBs (PART TWO)
In Part Two of a special Bankadelic presentation, we delve further into the latest U.S. Bank Small Business Perspective survey. Shruti Patel, U.S. Bank, Executive Vice President, Chief Product Officer for Business Banking, shares survey finding the gauge what truly makes workers happy and how SMBs are facing a future full of optimism and significant growth tasks. In an age where opinions pose as f
BANKADELIC THEME 2025: IMPOSSIBLY SUNNY DAY, CARNABY STREET, JUNE 1967
It's true: Bankadelic host Lou Carlozo writes, edits, engineers and performs most (and often all) the instruments on his podcast themes. Inspired by a visit to London a few decades ago, "Impossibly Sunny Day" started brewing as Lou strolled Carnaby Street and tried to imagine the scene when every cool Bristish band and celeb hung out there. Carnaby is kinda touristy today, but this instrumental lo
EPISODE 177: THE BANKADELIC 2025 COMBINATION VALENTINE'S PODCAST AND AI LOVE BOAT
Just when you think the bankers of the world couldn't be more in love -- with AI, that is -- along come four fintech experts to lay it all out for us in 2025. It promises to be the year of "agentic AI," among other things. And if that cute chatbot leaves roses on your desk, so much the better. Thanks to our special podcast guests:
Joseph Ahn, CSO and Co-Founder, Delfi
Amy Orosco, Director of Cus
EPISODE 176: BRIDGING BANKS, FINTECHS AND SMBs TO CREATE BIG WINS FOR ALL
There’s a lot of attention being paid to how banks can simultaneously team up with fintechs and best serve SMBs and entrepreneurs on the product side. Trouble is, there hasn’t been a whole lot of action. Allan Rayson, Founder and CEO of Finov8r, talks us through the opportunities within “adaptive fintech ecosystems.” The idea is to create modular, flexible solutions that allow banks to remain agil
EPISODE 175: A BANKING VET TALKS PRODUCT INNOVATION BEYOND TECH
While there’s so much stress these days placed on chips and artificial intelligence, all the digital firepower in the world isn’t going to create new products that people want. In this episode, Neil Stanley, Founder and CEO of The CorePoint, talks about how banks need to move beyond the rate sheets of old and start developing products for consumers living in an age of apps and e-commerce. He also
BANKADELIC OUTTAKE: JOHNNY DA BIG SINGS "DO YOU HEAR WHAT I HEAR?"
Whadda you lookin' at? It's Johnny Da Big, Bankadelic's official Wise Guy of Debatable Talent, lending his nit-so-dulcet tones and storytelling to the holiday classic "Do You Hear What I Hear?" Or "What I Hoid," as he likes to say in his South Philly patois. Listen if you dare, maybe even share, it's better than being a grinch and far more satisfying. Ya got a problem wit day?
EPISODE 174: THE FIFTH ANNUAL BANKADELIC HOLIDAY EXTRAVAGANZA
You want presents? You bet your ask we’ve got presents, thanks to the presence of The Five Wise Finance Stars, who in our book outclass any number of elves you can cram around the dining room table. Join us as we tick off our gift list for the industry, banking’s bad holiday reruns and what the happy new year ahead looks like in professional and personal ways. Plus, all hail Johnny Da Big as he re
EPISODE 173: ENGINEERS AS THE UNSUNG HEROES OF FINTECH SUCCESS
With all the stress on engineers needing to make smart tech for consumers, it’s just as important to remember that engineers work with consumable tech that’s easy to implement, stack and tweak. Joshua Luke, Chief Technology Officer at Swivel, outlines the symbiotic relationship between customers, financial institutions and engineers who appreciate the same tech traits: Simplicity, seamlessness and
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