Beyond the Arc

Congrats to our CEO Steven Ramirez for your spot on @FinancialBrand’s Top Financial Services Influencers to Follow! j.mp/2hOhvoW

@EvanKirstel Take a quick read of Opus 4.6 system card. That’s “misalignment” and much more common than I expected.

Replit's AI agent deleted an entire production database during a code freeze, then told the user data recovery was impossible. Humans tried the standard rollback. It worked fine. The AI wasn't just wrong. It lied about what could be done. fortune.com/2025/07/23/ai-… #RSAC

@JillCastilla Agree! But this only works if regulated banks step up and lead. Not feeling great about that part.

Tokenized deposits is where it’s at - liquidity stays within the regulated system, local economies stay intact, and our payment system modernizes.

Banking leadership has always been demanding—but the nature of that demand has changed. I’ve shared thoughts on the strain leaders carry today, and why approaches centered on clarity & resilience are often dismissed—even as they become more necessary. 👉🏼tinyurl.com/4mny4cy6

Signal Over Noise: The 2025→2026 Fintech Transition 🎧 Digital → mobile → embedded is bending toward what’s next: agentic commerce + agentic banking (with stablecoins/tokenization back in motion). Roundtable w/ @ronshevlin , @beyondthearc & Bradley Leimer on: • fintech sentiment thaw + exits/IPO talk • open banking economics (banks charging for data) • why banks feel defensive (deposits + lending) • agentic AI demystified + why governance is the bottleneck • CX shift: screens → convo → agent-to-agent Read/listen: substack.fintechtalk.ivalley.co/p/signal-over-…

What's next for fintech in 2026 and beyond? @PaddyRamanathan has curated a great conversation with insights from Ron Shevlin and Bradley Leimer. We hit on several of the megatrends reshaping the financial landscape. dub.sh/tiR8m3t #banking #fintech #finserv

From @Finovate: Don't miss @beyondthearc CEO Steven Ramirez' talk with Shruti Patel, EVP and Business CPO at US Bank, about the institution’s approach to supporting small- and mid-market businesses. buff.ly/R76bLlx

New guest post on our blog 👇 Before You Pitch the Press: Crafting the Story Every Fintech Founder Needs buff.ly/24HtiLY #fintech #PR #startup #communications

@khaslett @BankDirector You’ve had a big impact there, Kiah. Congrats!

Today is my last day at @BankDirector. It has been my great honor to bring you all sorts of stories about banks through some truly interesting times. If you were one of my sources, readers, panelists or colleagues: thank you. Can’t wait to share with you what’s next!

Are you keeping up with the trends in mitigating #fraud before it affects consumers & your institution? Learn about emerging trends, how to identify them, and what fraud policies & procedures #finserv organizations should have. Join us 5/15, 1:00pm CT. dub.sh/OJJuuyZ

For many years @wmagency and I did live blogging and videos from Finovate. While we haven't kept up the tradition, I was motivated to jot down a few notes on the demos from Day 1 of the show. This is still a great place to hear about the latest in fintech innovation. Take a quick peek and what I saw this afternoon. Who knows, maybe William and I will get together and do a video as well! dub.sh/eDLm3tE #fintech #finovate #banking

Great first day of demos at @Finovate Spring in San Diego. Sharing my thoughts on today’s presentations in our latest blog. dub.sh/eDLm3tE #finovate #fintech

Recently, @beyondthearc and I sat down with @LouCarlozo63 on his Bankadelic podcast. We discussed some of the current challenges faced by #communitybanks and #creditunions, including the growing interest in M&A. Here's part two of our conversation: tinyurl.com/4vnyb7sj

Fraud is constantly evolving, and so should your policies and procedures. Learn how to protect against emerging threats in #finserv. Join us for a BAI webinar on 5/15, 1:00pm CT. dub.sh/W3mWMlU #fraud #theft

As the #finserv industry continues to evolve, so does the sophistication of #fraud. Learn how to protect against the growing number of AI-generated scams and other top threats that could impact your organization this year. Join us 5/15, 1:00pm CT. dub.sh/OJJuuyZ #AI

Recently, @beyondthearc and I sat down with @LouCarlozo63 on his Bankadelic podcast. We discussed factors impacting franchise value and the growing interest in M&A as a strategy for growth. Here's part one of our conversation: tinyurl.com/4es6tewt #merger #acquisition

How do you capture real business value from #AI and #ML? You won't find it by just hopping on the latest 'shiny object.' See 7 steps for building predictive models that deliver actual value. 👉 dub.sh/86HlXal #machinelearning #artificialintelligence

Are you at #Fintech Meetup? Join me today for a panel on “Navigating Fintech’s Crossroads: Challenges, Opportunities & the #AI Advantage”. See you at 1:00pm in Bellini 2001A - 2101B. #spendmanagement #venturedebt #embeddedpayments

I’ll be speaking at #Fintech Meetup tomorrow, 3/12. Hope you'll join us for our panel on “Navigating Fintech’s Crossroads: Challenges, Opportunities & the #AI Advantage”. Tomorrow at 1:00pm in Bellini 2001A - 2101B. #spendmanagement #venturedebt #embeddedpayments

Will you be in Vegas next week for Fintech Meetup 2025? Let’s meet and chat about fintech, payments, and AI. Schedule a meeting at the link below. buff.ly/eIPUbpJ #fintech #payments #AI

How can community #banks stay relevant? They need to offer value that goes beyond processing transactions. @cnichols0 and I discussed how to position your bank as a trusted advisor, why #embeddedpayments are critical & more. buff.ly/xKJILOp #payments #treasurymanagement