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Bank Nerd Corner

Bank Nerd Corner

Written by: Kiah Haslett
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 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. Subscribe to Bank Nerd Corner to get the latest episode every Thursday! Economics Politics & Government
Episodes
  • What’s in the Cards for Financial Services’ Most Ubiquitous Product?

    What’s in the Cards for Financial Services’ Most Ubiquitous Product?
    Jan 12 2026
    Bank Nerd Corner welcomes Matthew Goldman, the founder of credit card advisory firm Totavi. Kiah and Matthew are both what Kiah calls “maximizers” and they discuss the dozens of cards they have between them before moving onto the meat of the conversation: The Totavi 2025 recap and 2026 trends report. Debit and credit cards are important but ubiquitous products in the financial ecosystem and in consumers’ lives. Matthew points out that many consumers interact with a card daily. This makes cards a nexus of development and innovation for both legacy banks and their nonbank competitors. Matthew shares the major themes of 2025, which include the issuance of cryptocurrency cards, the challenges of issuing credit to freelance and gig workers and how technology will alter hyperpersonalization and maybe even create super apps. 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/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Dan: https://www.linkedin.com/in/matthewgoldman/ Read the Totavi 2025 Recap and 2026 Trend report: https://www.totavi.com/post/totavi-annual-trends-report-2025
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    54 mins
  • Why Don’t Uninsured Deposits Take Losses Anymore?

    Why Don’t Uninsured Deposits Take Losses Anymore?
    Dec 18 2025
    Bank Nerd Corner welcomes Michael Ohlrogge, a professor of Law at New York University’s School of Law, to talk about the realities of uninsured deposits, deposit insurance and bank failures. Professor Ohlrogge’s paper, “Why Have Uninsured Depositors Become De Facto Insured?,” explores how usual, or unusual, it is for uninsured depositors to take losses when a bank fails. Ohlrogge’s research found that prior to 2008, it was common for uninsured depositors to take a haircut on their uninsured funds when their institution failed. Today, when a bank fails, it’s very normal for most, if not all, of the uninsured deposits to be assumed by the acquirer. The shift to de facto insurance coverage for all deposits coincides with a dramatic increase in the Federal Deposit Insurance Corp.’s costs to resolve failed banks. Professor Ohlrogge and Kiah also discuss the potential implications of his paper in light of Congress considering raising the deposit insurance coverage limit. Read “Why Have Uninsured Depositors Become De Facto Insured?” here: https://nyulawreview.org/issues/volume-100-number-2/why-have-uninsured-depositors-become-de-facto-insured/ Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. 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/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Ohlrogge: Linkedin: https://www.linkedin.com/in/michael-ohlrogge-70a6a76/ Twitter: https://x.com/M_Ohlrogge
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    57 mins
  • BNC Squared: The Year-End and Year-Ahead Pick Two

    BNC Squared: The Year-End and Year-Ahead Pick Two
    Dec 11 2025
    In this December episode of Bank Nerd Corner Squared, Kiah and Alex bring their “end of the year” energy to recap 2025 and look ahead to 2026. They chat about the present Alex secretly hopes he receives, as well as their gift-giving approaches. For those curious: Many stores on Etsy offer photo-realistic pillows of pets and here are the Japanese bread lamps — both hit presents Kiah has gifted! 2025 has been such a wild ride for both fintechs and banks. Alex and Kiah discuss two trends or themes that they thought were interesting or significant in 2025, before moving on to two things they think will happen in 2026. Finally, they wrap it up by discussing resolutions for the next year. Taktile⁠⁠⁠⁠⁠⁠ is an AI Decision Platform that helps financial institutions automate and improve their risk management strategies across the entire customer lifecycle. From onboarding and credit underwriting to fraud detection and transaction monitoring, Taktile empowers risk teams to build, test, and optimize their critical decision processes, without relying on engineers. Taktile has been recognized as category leader — for four quarters in a row — in G2’s Quarterly Report for Decision Management Platforms, and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information, visit⁠⁠⁠⁠⁠⁠ taktile.com⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠follow Taktile on LinkedIn⁠⁠⁠⁠⁠⁠. 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/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson
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    1 hr and 23 mins
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