Fintech Hustle
Join host Sam Kilmer, fintech advisor, in unscripted conversations with top fintech industry leaders. No planned corporate talking points, no scripts, no pitches. Just useful advice and insights. To keep it lively, Sam often brings co-hosts like author/researcher Ron Shevlin, former American Banker editor Mary Wisniewski, and former Bank Director President Al Dominick.
Fintech Hustle
From the Rooftop of JAM Fintop 2025 // Steve Soukup, Todd Clark, Erin Simpson, Karan Kashyap
Host Sam Kilmer records live from Hyatt Nashville with Steve Soukup (DefenseStorm), Todd Clark (Investifi), Erin Simpson (Encore Bank), and Karan Kashyap (Posh). They swap “day-in-the-life” notes, why AI went from “go slow” to “why aren’t we live,” practical stablecoin prep, real-time payments use cases, ERP integrations, deposit outflows to wealth apps, and why “seamless integration” usually isn’t. Rooftop vibes included.
Timestamps:
- 00:04 Scene-set + guest lineup (DefenseStorm, Invest Defi, Encore Bank, Posh).
- 03:29 “Day in the life”: small-company stretch roles, startup rhythms, running bank ops, CEO still coding.
- 09:00 AI mood shift: boards from cautious to urgent; “web-banking déjà vu.”
- 10:36 Stablecoins: watch, don’t leap; near-term priority is fiat↔stable on/off-ramps.
- 12:41 Bank priorities: real-time payments and ERP integrations for commercial clients.
- 15:07 Integration reality: solving treasury onboarding with true end-to-end partners (docs + core push).
- 17:23 Deposit defense: 5–10% outflows to investment platforms—be the investing on-ramp.
- 18:02 Cyber angle: pace of change ⇒ more risk; move from whac-a-mole to proactive controls.
- 22:38 Live AI wins: disclosure review pipeline; measuring AI ROI (tokens, accuracy) and loan-doc diffs.
- 26:00–30:26 What’s working now: banks leaning in, co-building with fintechs, deposit/treasury innovation, optimistic tone; wrap.
Top Takeaways
- AI urgency: Boards and execs moved from “slow down” to “why aren’t we live?”—time to graduate from licenses to application-layer outcomes.
- Stablecoin stance: For banks today, focus on compliant on/off-ramps and multi-currency readiness rather than speculative use cases.
- Payments & ERP: RTP adoption and deep ERP integrations are must-win commercial banking battlegrounds.
- Integration reality: “Seamless” is oversold—pick partners who’ll do the unglamorous workflow plumbing end-to-end.
- Deposit defense: Mind the wealth leakage to investing apps; offer native pathways before funds walk.
- Security ≈ survival: Rapid change expands the attack surface—proactive cyber risk management is table stakes.
- Prove AI ROI: Track tokens, accuracy, and cycle-time reduction; start with auditable, high-impact workflows (e.g., disclosures, credit-memo vs. docs diffs).
