Chase vs. Fintech: The Future of Data Rights and Banking Innovation

In this episode of What’s Going On in Banking, Ron Shevlin and Stacey Bryant tackle JPMorgan Chase’s controversial move to charge fintechs for data access—is it smart strategy or a threat to innovation? Then we dive into Goldman Sachs’ bold AI rollout and what it really means for the future of financial services.

Hot takes, real-world analogies, and a clear look at the regulatory chaos ahead.

Chapters

[00:00] Introduction & Headlines

[00:31] Reactions from Fintech & Public Outcry

[02:09] Legal Uncertainty Around Rule 1033

[03:03] Economic Logic & Envelope Analogy

[06:21] Market Forces, Competition & Consumer Choice

[08:06] The Real Impact on Fintechs & Margins

[11:23] Future Outlook & Regulatory Possibilities

[16:13] AI in Banking: Goldman Sachs Case Study

[20:30] ROI & Hype vs. Reality of AI Adoption

[27:10] Starting Small & Industry Adoption Trends

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