Is there really such a thing as a "core deposit" anymore? Ron Shevlin isn't buying it. Fresh off the African American Credit Union Coalition conference, Stacey Bryant shares insights on attracting the next generation of consumers and leaders before the conversation turns to stablecoins, tokenization, Visa's $2.4 billion BioCatch acquisition, AI-powered fraud, and why the "Great Wealth Transfer" may not be the windfall many bankers are counting on. In other words: a normal week in banking chaos.

Show Notes:

• The 'Great Wealth Transfer' Delusion (or Sorry Girls, But You're Not Getting Your Mom's and My Money)

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Chapters
[00:00] Stacey Returns from AACUC Recharged
[01:06] Why Representation Still Matters in Banking
[03:48] Zillennials, Growth & the Future of Credit Unions
[05:41] Stablecoins, Tokenization & Real Use Cases
[07:20] The Three-Day Interest Problem
[10:24] Why Programmability Matters More Than FedNow
[12:10] Deposit Fidgetization Has Entered the Chat
[13:23] Sticky Deposits Are Dead
[15:12] Visa's $2.4 Billion Fraud Bet
[16:17] AI Is Fueling a Trillion-Dollar Fraud Problem
[20:21] The Vendor Bundling Dilemma
[24:06] The Great Wealth Transfer Delusion
[26:28] Where the Money Actually Goes
[28:01] The Real Opportunity Isn't the Inheritance
[30:22] Parental Financial Management

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Halfway through 2026, banking’s favorite buzzwords are still buzzing, but the numbers are starting to tell a less flattering story.

Ron Shevlin and Stacey Bryant revisit the industry’s biggest predictions and dig into what’s actually happened. Fintechs are eating the checking account, stablecoins are creating awkward boardroom questions, and the much-promised “AI plumbing” has finally arrived. They also unpack why Chase’s branch expansion may have less to do with retail banking than the headlines suggest, why trust alone won’t save community institutions, and why being well-liked is a lot like being broccoli: admirable, but not necessarily anyone’s first choice.

From product strategy and small business lending to the technology investments banks keep avoiding, this is a mid-year reality check packed with data, detours, and plenty of side-eye.

Show Notes:

• Don't Fall for the Branch Hype: Chase Didn't Build Those Branches for Retail Banking
• What’s Going On in Banking: A Mid-Year Review
• 2026 "What's Going on in Banking" Report

Subscribe to the What's Going On In Banking podcast here:
https://qrco.de/bgfUYX

Download the 2026 "What's Going on in Banking" Report here:
https://qrco.de/bgmHtr

Chapters
[00:00] Stacey Goes Back to the Banking Hood
[03:25] The Mid-Year Review Ron Avoided for 11 Years
[04:29] What Bank Executives Expected From 2026
[06:18] The Economy Drifts and AI Plumbing Arrives
[08:07] Fintech Is Eating the Checking Account
[09:42] Why Product Architecture Is Winning
[10:42] Stablecoins and Mega-Bank Theater
[14:03] The Real Threat Is Product Displacement
[16:28] Does Every Bank Need a Chief Product Officer?
[18:26] What Chase’s Branch Expansion Really Means
[21:16] Trust, Broccoli and the 40% Myth
[24:56] Small Business Banking: Trust vs. Speed
[26:40] Why Fintechs Are Winning the Daily Relationship
[29:53] Pre-Building Gets Bumped to the Next Episode

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This week on What’s Going On in Banking, Ron Shevlin and Stacey Bryant somehow connect Knicks parade chaos, a questionable trash can decision, JPMorgan Chase, rewards gaps, and SoFi’s move into small business lending.

Stacey is still on a Knicks high. Ron is trying to bring everyone back to reality. Together, they debate whether a JPMorgan Chase employee deserved to be fired, why rewards programs may be banking’s version of a gym membership, and whether SoFi’s latest move should have community banks and credit unions sweating.

Trash cans were stolen. Rewards went unused. SoFi entered the chat. Just another normal week in banking!

Show Notes:

• Woman who emptied Knicks trashcan on street — then stole it — is fired from JPMorgan Chase, was DEI exec
• The Gym Membership Problem Just Ate Your Debit and Credit Card Rewards Programs
• SoFi enters small-business loan market

Subscribe to the What's Going On In Banking podcast here:
https://qrco.de/bgfUYX

Download the 2026 "What's Going on in Banking" Report here:
https://qrco.de/bgmHtr

Chapters
[0:00] Welcome Back to What’s Going On in Banking
[2:08] The Knicks Finally Win and Stacey Is Not Over It
[3:01] The Trash Can Incident That Became a Banking Story
[5:20] Was JPMorgan Chase Right to Fire Her?
[8:05] Stacey Puts on Her HR Hat
[9:24] The Gym Membership Problem in Rewards Programs
[12:46] Are Banks Profiting From Customer Inertia?
[15:20] AI, 1033, and the Future of Product Recommendations
[17:20] Advocacy-Based Value vs. Acquisition-Based Value
[21:31] SoFi Enters Small Business Lending
[23:31] The Gray Zone Between Consumers and Businesses
[25:00] Stacey Pushes Back: Relationship Depth Still Matters
[29:12] Can Community Banks Really Beat SoFi on Depth?
[30:16] The SoFi Data Advantage
[32:43] How Banks Can Use Data to Fight Back

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Subscribe to the What's Going On In Banking podcast here:
https://qrco.de/bgfV82