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Three C's

Bankers Are From Mars…

It is not news here, or anywhere else, but bankers and fintech entrepreneurs are from different planets. They are just wired differently. Just a few years ago, all of the fintech companies wanted to put traditional financial institutions out of business. Disrupt the industry!, they said. Despite the fact that we still have over 6,000 banks in the U.S. alone, […]


Rise of the AND-I’s

Make way for the And-I’s. And-I’s are my name for a new phenomenon I’ve noticed in financial services job titles. “And-I” stands for the words “and innovation” tacked on to the end of existing job titles. Your “Head of Digital Banking” is now “Head of Digital Banking and Innovation“. Boom. You’re now in the innovation game. […]

Fast Follower 1000x571

Your Fast Follower Strategy is Riskier Than You Realize

In my last post Leaders, Learners and Laggards I talked of banking leaders who describe their approach to innovation as being a “fast follower, and how my typical retort is that they are half-right— most of them are definitely followers, but there usually isn’t anything fast about their approach. This has spurred some great discussions […]

JP Nicols, Co-Host-2

JP Nicols to Guest Host Breaking Banks

  I am pleased to announce that I will now be a recurring guest host of Breaking Banks, the only dedicated radio show and global podcast focused on disruption in Financial Services and the emerging FinTech sector. As you might expect, I will be especially focused on how banks are innovating in today’s rapidly changing world, but I’ll be covering other […]