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AIR is a global nonprofit leveraging digital modernization to help build a financial system that serves everyone and produces widespread financial health.

Digitization is transforming finance. “Responsible innovation” can help solve systemic ESG challenges – financial exclusion, race and gender bias, predatory practices, financial crimes like human trafficking, and climate change. At the same time, innovation can threaten privacy, security, and fairness. 

Founded by Jo Ann Barefoot and David Ehrich, AIR helps regulators and risk managers counter these dangers and optimize the financial system for the digital age. Neither a trade group nor member-based organization, AIR is a non-partisan 501c3 working with governments, consumer advocates, fintechs, regtechs, financial institutions, NGOs and academics throughout the world to advance fair finance.


AIR CEO Jo Ann Barefoot has been named Finovate Fintech Woman of the Year

Given to a woman whose achievements and work in fintech-related areas of financial services have helped enhance the sector or raise its profile as a career for women. Through education, leadership, mentoring, coaching or acting as a role model.

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AIR CEO Jo Ann Barefoot included in Forbes 50 over 50

AIR CEO and Co-Founder Jo Ann Barefoot included in Forbes 50 over 50: Investment. These 50 women are shaping the future of finance, fueling high-growth businesses and forging a more fair and inclusive financial future.

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AIR Welcomes UK Regtech Leader Nick Cook as Head of Global Strategy and Partnerships

AIR, the Alliance for Innovative Regulation, announced that as of September 1, Nick Cook, former head of innovation at the UK Financial Conduct Authority (FCA), is joining AIR as Head of Global Strategy and Partnerships. He will lead the AIR Accelerator and TechSprint strategy and, based in London, will anchor much of AIR’s global work.

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Crypto Dad Chris Giancarlo

This show sets a Barefoot Innovation record — it’s the first time we’ve had a guest come back for a fourth conversation (you’ll note that I say in the recording that this is his third appearance, but I actually undercounted). We did two shows with Christopher Giancarlo while he was Chairman of the USCommodity Futures Trading Commission, and then another after he returned to the private sector and co-founded the Digital Dollar Project with Daniel Gorfine. We’ll link to all of those in the show notes.

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AIR Events


January
26

Into the Cloud: Whether, Why and How Financial Institutions Are Adopting Cloud Computing

In this webinar, we will explore where we are today in terms of cloud adoption in financial services: how is it being adopted, what is it enabling, what opportunities does it enable, how can risks be addressed, and what regulatory barriers exist?

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September
15

Developing the Digital Regulator

As digitization and software transform how the world engages in financial activity, it’s time to ask whether regulators have the culture, tools, and technology needed to keep pace. Some have argued that regulators need to become more like the quantitative and digital firms that they regulate by leveraging next-generation technologies and talent. Using status quo approaches, can financial regulators detect risks in fast-changing markets, including those related to cybersecurity, fraud, financial crime, and trading manipulation? Can they properly monitor, detect, and assess bias in consumer-facing models? This program sought to answer these questions in two ways.

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June
14

AI and Financial Regulation: Exploring Benefits and Managing Risks

AIR partnered with Google to host a webinar, ‘AI and Financial Regulation: Exploring Benefits and Managing Risks’. Artificial intelligence and machine learning (AI/ML) are transforming the way financial services institutions monitor and mitigate risk and ensure regulatory compliance. The discussion included policymakers, thought leaders, technologists, and AI/ML subject matter experts to learn more about AI/ML advances, regulatory considerations, and ways to maximize the benefits and mitigate the risks of these new technologies.

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