The Barefoot Innovation podcast, hosted by AIR CEO Jo Ann Barefoot, explores better solutions for financial consumers at the intersection of technology innovation and regulation. Join Jo Ann as she sits down with regtech and fintech CEOs, lawmakers, regulators, bankers, and academics, and more for candid discussions on the regtech space.

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FEATURED PODCAST

COMMUNITY BANKS IN THE DIGITAL AGE: ABA CEO ROB NICHOLS

America has about 5,000 banks -- more than any other country. My guest today leads their national trade group. He is Rob Nichols, CEO of the American Bankers Association. He joined me for a conversation about how technology is changing banking, and especially community banks. While total banking volume is disproportionately done by large institutions, small community banks play a critical role in both our financial system, and in the life of the nation.

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Barefoot Innovation Podcast Episodes

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May 2021

AROUND THE WORLD: HONG KONG UNIVERSITY’S DOUGLAS ARNER

Every now and then I do a podcast where I feel like I hit a vein of gold. This is one of them. It’s one of our shows where I think you’ll want to listen several times and take notes, or print out the transcript and mark it up. My guest is Douglas Arner, who is the Kerry Holdings Professor in Law at Hong Kong University, and the Director and Cofounder of the Asian Institute of International Financial Law.

May 02, 2021

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April 2021

COMMUNITY BANKS IN THE DIGITAL AGE: ABA CEO ROB NICHOLS

America has about 5,000 banks -- more than any other country. My guest today leads their national trade group. He is Rob Nichols, CEO of the American Bankers Association. He joined me for a conversation about how technology is changing banking, and especially community banks. While total banking volume is disproportionately done by large institutions, small community banks play a critical role in both our financial system, and in the life of the nation.

April 23, 2021

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April 2021

POWER OF ONE: MOJALOOP FOUNDATION’S PAULA HUNTER AND LESLEY-ANN VAUGHAN ON FINANCIAL INCLUSION

The Swahili word for “one” is mojaloop, and it inspired the name of the organization that is led by today’s guests. They are Paula Hunter and Lesley-Ann Vaughan of the Mojaloop Foundation. The open-source Mojaloop software was first developed in 2017 to support the financial inclusion work of the Bill & Melinda Gates Foundation, premised on the realization that reaching financially underserved people with digital financial services will require the financial system to use open and interoperable solutions. Just four years later, more than 400 developers are collaborating to create Mojaloop software that is helping service providers open markets and accelerate progress in emerging markets.

April 08, 2021

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April 2021

WORLDWIDE FINANCIAL INCLUSION: SHARMISTA APPAYA AND IVO JENIK

My guests today are leaders in the drive to bring the world’s poor into the formal financial system. They are Sharmista Appaya, Financial Sector Specialist at the World Bank Group, and Ivo Jenik, Financial Sector Specialist at CGAP. CGAP stands for the Consultative Group to Assist the Poor and sits within the World Bank as essentially a financial inclusion think tank. I first met Sharmista years ago in London when she headed the Bank of England’s Fintech Accelerator, and I’ve been running into Ivo in interesting places around the world for years, but they are now both based where I am, in Washington DC.

April 03, 2021

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March 2021

EMBRACE THE HERETIC – HONG KONG’S PINDAR WONG

We are introducing some thematic series into Barefoot Innovation this year. One series will stretch our collective thinking out into the future and try to envision how technology will change financial services, not for the next few years, but over the next decade or two. My working title for this theme is, the Thinkers. And so we’re starting with Pindar Wong.

March 14, 2021

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February 2021

TRANSFORMING CREDIT ACCESS WITH MACHINE LEARNING – MIKE DE VERE AND TEDDY FLO OF ZEST AI

My guests today are Mike de Vere, CEO of Zest AI, and Teddy Flo, the company's general counsel. Zest is seeking to revolutionize credit underwriting by leveraging more information and analyzing it through machine learning. They started out as a lender, but have pivoted to selling tools to banks and other lenders, to equip them to make better lending decisions.

February 26, 2021

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February 2021

HOW TO PARTNER — ADVICE FOR BANKS AND FINTECHS FROM PARTNERSHIP FUND FOR NEW YORK CEO MARIA GOTSCH

Everyone is going to love today’s show, but if you are a fintech or regtech startup trying to sell services to a big bank -- this is absolutely must listening. And the same is true if you’re a bank wanting to work with tech startups. My guest is Maria Gotsch, CEO of the Partnership Fund for New York City. The fund’s goal is to make New York City a technology innovation hub like Silicon Valley but focused on finance, leveraging New York’s role as global financial capital.

February 18, 2021

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February 2021

OPEN BANKING: BBVA’S SUSAN FRENCH

Is the future of banking, open? And will open banking reshape the world of finance? My guest today has the answers. She is Susan French, head of Products at BBVA’s Open Platform. BBVA, the global bank headquartered in Spain, has long been ahead of the curve in technology innovation in general, and in open banking specifically.

February 04, 2021

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