Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it.
Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today.
Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have.
If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better.
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BNC Squared: Trust Charter Lawsuit and AI Bank “Runs”
Is an AI-induced bank run coming, or is that just banking getting more competitive?
In the October episode of Bank Nerd Corner Squared, Kiah and cohost Alex Johnson of Fintech Takes break down the biggest stories in the bank space.
First up is the ICBA’s lawsuit against the OCC and Comptroller Jonathan Gould over trust bank charter approvals. The group argues the OCC has far exceeded its statutory authority by letting companies use trust charters as an effective side door into the banking system. Kiah and Alex dig into whether the case holds up and whether the ICBA can actually prove the harm it claims.
Next, they take on the AI bank run worry. Personal AI assistants like Meta’s Muse took off, bank stocks sold off, and Apollo’s chief economist raised the prospect of an AI-induced bank run. Is that really a run? How should banks compete when customers’ agents can shop rates for them? And is an AI agent that moves your money just a deposit broker by another name?
Then it’s rant time. Alex goes off on news that the U.S. Department of Housing and Urban Development is investigating Wells Fargo over its special purpose credit programs, while Kiah stews over a Wall Street Journal op-ed by Federal Reserve Vice Chair for Supervision Michelle Bowman that criticizes CECL, the accounting standard behind loan loss reserves.
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Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/
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Follow Kiah:
LinkedIn: https://www.linkedin.com/in/khaslett/
Twitter: https://twitter.com/khaslett
YouTube: https://www.youtube.com/@BankNerdCorner
Follow Alex:
YouTube: https://www.youtube.com/@FintechTakes
LinkedIn: https://www.linkedin.com/in/alexhjohnson
12 Oct 2026
Fintech Takes Banking x Parlay Finance presents Agent of Record: Clash of the Agents (Episode 7)
When a bank adds AI, who’s actually on the hook for what?
In this midseason check-in on Agent of Record, Kiah talks with Alex McLeod, CEO and co-founder of Parlay Finance, about the shared responsibility model Alex has developed in response to how quickly and broadly financial institutions are adding AI.
Alex borrows the shared responsibility model that governs cloud computing to help banks make sense of the different vendor arrangements that exist with AI. Her model has four: owning the full stack, building the harness, configuring the platform, or inheriting the agent. She argues the column a bank sits in should determine what it’s on the hook for, from model governance to deployment evaluations to fourth-party risk.
Agent of Record is a 12-episode limited series podcast that explores artificial intelligence in financial services.
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This episode is brought to you by Parlay Finance.
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Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/
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Follow Alex McLeod on LinkedIn: https://www.linkedin.com/in/mcleodalexandra/
Follow Kiah:
LinkedIn: https://www.linkedin.com/in/khaslett/
Twitter: https://twitter.com/khaslett
Subscribe to Kiah: https://fintechtakes.com/banking/newsletter-subscription/
8 Oct 2026
The Changing Core Deposit Playbook (live from MX's Money Experience Summit)
What does the core deposit playbook look like in 2026?
On this episode of Bank Nerd Corner, Kiah records live from MX's Money Experience Summit with two people who think about deposits for a living: Jason Lazzerini, EVP and chief digital officer at Central Pacific Bank, and Matt West, chief revenue officer at MX. Together they dig into how banks can engage customers to grow those deposits, and why the old approach isn't cutting it.
Jason shares how Central Pacific Bank, a Hawaii-based institution with $7.5 billion in assets, has evolved its thinking on customer primacy over time. Matt explains how technology has changed the way banks need to think about their core customers and those ever-important deposits, and what it all means for agentic commerce and personal AI assistants.
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Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/
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Follow Jason Lazzerini on LinkedIn: https://www.linkedin.com/in/jason-lazzerini-192b8620/
Follow Matt West on LinkedIn: https://www.linkedin.com/in/matthewcwest/
Follow Kiah:
LinkedIn: https://www.linkedin.com/in/khaslett/
Twitter: https://twitter.com/khaslett
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