The comment window on the proposed replacement for the interagency third-party risk guidance closes three weeks from today, November 16 (my birthday 🎉). Whatever comes out of this becomes the framework examiners work from. File the comment. #PartnerBanking #TPRM #Fintech #Banking

AI got practical at @money2020, and stablecoins still owe banks an answer. This week’s Finserv Minute covers that, Inside the Vault, and thanks to Themis, Neepa, and Dana Lawrence for the Banker Led Forum. Assessment Playbook Part 1 is next Thursday. thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @pcordway @finteachable @FTConfidential

Don't forget tomorrow at 9:30 AM PT I'll be a guest on Inside the Vault: Life and Death of Partner Banking at the MoneyPot Podcast Booth 2, which is easy to find with the giant honey dipper hanging over it. Tedd Huff and Stephen Bishop of Fintech Confidential are hosting, and Barbara J Negron of Cogent Bank will be on with me. The conversation covers the successes, setbacks, and outlook for partner banking with two partner bank executives in the room. If you're at the show, stop by, listen in, and say hello! @money2020 @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @pcordway @finteachable

Wheels up! 🛫 Off to Vegas for @money2020. ​Excited to kick things off today at the @Themis Banker Led Forum—looking forward to some great discussions on what's next for banking and fintech partnerships. ​If you're in Vegas, let's catch up! ☕️ See you there! ​#Money2020 #fintech #banking #ThemisBankerLedForum #Vegas

No Finserv Minute post this week because I'm back at Money20/20 USA after years of attending, representing Partner Banking at Axiom Bank, and speaking on Inside the Vault: Life and Death of Partner Banking with Tedd Huff, Stephen Bishop, and Barbara Negron. Tue Oct 20, 9:30 AM PT, MoneyPot Podcast Booth 2. @money2020 Subscribe to the Finserv Minute to get updates directly in your inbox here: thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @pcordway @finteachable

Three federal regulators just wrote down what bankers usually only say out loud at conference bars: core providers hold most of the leverage, and it is shaping what banks can even attempt to build. New piece: Core Leverage. Does this match what you have seen? thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @lex_sokolin @pcordway @finteachable @nikhilkalghatgi #CommunityBanking #Banking #Fintech #CoreProviders

About 1 in 5 U.S. households is unbanked or underbanked, and Zelle has had no real way to serve them since it killed its standalone app. @moov just announced something that might close that gap. New piece up. Is reach the biggest problem in P2P? thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @lex_sokolin @pcordway @finteachable @nikhilkalghatgi #Payments #P2P #Fintech #Banking

Heading to LoanPro's Salt Flats Summit this week has me thinking about lending again, specifically why younger borrowers move fast on small stuff but want a human involved once the stakes go up. Latest from The Finserv Minute: The Lending Paradox. thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @lex_sokolin @pcordway @finteachable @nikhilkalghatgi #Lending #Banking #Fintech #BNPL

Banks keep asking what payments modernization costs, but the more important question is what treating payments as infrastructure instead of a product is costing them in customer relationships, wallet share, and competitive position. New piece in The Finserv Minute: cost center or product investment, and does the framing actually matter? thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @lex_sokolin @pcordway @finteachable @nikhilkalghatgi #Payments #Banking #Fintech #PaymentsModernization

Five installments. One complete framework for partner banking risk management, from standing up a program the right way to what happens when something goes wrong. The Partner Banking Risk Playbook covers the full lifecycle: risk identification, due diligence, monitoring infrastructure, governance and reporting, and what a defined response looks like when a metric goes red. If you have questions, pushback, or things you would add from your own experience, I would genuinely like to hear them. Full series at the link. thefinservminute.substack.co… @mikulaja @AlexH_Johnson @rshevlin @sytaylor @jasonkelly @lex_sokolin @pcordway @finteachable @nikhilkalghatgi #PartnerBanking #Banking #RiskManagement #Fintech

Finding a problem in your partner banking program is the easy part. Most programs fall short on the defined, documented, and validated process for closing it. Part 5 of The Partner Banking Risk Playbook is live. thefinservminute.substack.co… #PartnerBanking #Banking #RiskManagement #Fintech @mikulaja @AlexH_Johnson @rshevlin

"We need deposits" is not a strategy. It's an outcome. Enjoyed talking about fintech partnerships with @RAlexJimenez on Next Best Action from @finalytics_ai. Start where you have expertise. Build the product on the rail, not just the rail. And watch your concentration risk. finalytics.ai/insights/strat…

Good monitoring tells you what is happening. Good governance determines what happens next. Part 4 of The Partner Banking Risk Playbook is live. thefinservminute.substack.co… #PartnerBanking #Banking #RiskManagement #Fintech @mikulaja @rshevlin @AlexH_Johnson

Standing up a partner banking program is hard. Keeping the oversight meaningful as it scales is where most programs struggle. Part 3 of The Partner Banking Risk Playbook is live. thefinservminute.substack.co… #PartnerBanking #Banking #RiskManagement #Fintech @mikulaja @AlexH_Johnson @rshevlin

Most partner banking due diligence tells you if a prospect looks good on paper. The ones that work tell you whether a partner is ready to operate inside your program before you find out the hard way. Part 2 of The Partner Banking Risk Playbook is live. thefinservminute.substack.co… #PartnerBanking #Banking #Fintech #RiskManagement @mikulaja @AlexH_Johnson @jasonhenrichs @rshevlin

Most partner banking risk programs start with a framework and apply it to the business. The ones that work start with the business and build the framework around it. Kicking off a new series: The Partner Banking Risk Playbook. Part 1 is live. open.substack.com/pub/thefin… #PartnerBanking #Banking #Fintech #RiskManagement @sytaylor @mikulaja @AlexH_Johnson @rshevlin @jasonhenrichs

Demanding faster returns on long-horizon investments isn't a strategy. It's just an expensive way to fall behind. New piece in The Finserv Minute: The Cost of Now — Patience Is a Strategy open.substack.com/pub/thefin… #Banking #FinancialServices #FintechNews @mikulaja @AlexH_Johnson @JimMarous @rshevlin

It was an honor to lead the conversation on #AI in Financial Services with some great panelists this morning at #AlabamaFintechSummit 2026! #Fintech continues to not only be alive and well in Alabama, but growing by leaps and bounds. A full house at the Summit this year, make sure to plan to register early and be here next year! #fintech #banking #partnerbanking @NatlFintechOrg