Best joeberq Podcasts (2025)

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Episode 452: How can your bank get more out of its tech spending? 19:39

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3h ago19:39

19:39

This episode examines an article from Independent Banker Magazine titled “Is your bank overspending on tech?” How is your bank doing with its tech spending? This article lays out recommendations on how your bank can better control and get more out of its tech budget. Recommendations include 1) Address overlapping spending, 2) Avoid the pitfalls of …

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Episode 451: Update to CECL could really help bank M&A! 9:06

1d ago9:06

9:06

This episode reviews an article from Bank Director titled “CECL update eases the math for M&A.” One of the problems with M&A transactions is called the CECL double count. This is where an acquiring bank must make additional provisions for non-purchased credit-deteriorated loans (loans that have not experienced credit loss). A buyer must set aside E…

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Episode 450: Does your bank do digital onboarding? 16:20

1d ago16:20

16:20

This episode reviews a blog post from PCBB titled “How many minutes does your digital onboarding take?” Digital-only banks are landing 4 out of every 10 new checking accounts. Is your bank offering customers digital online account opening? If so, how long does it take to open an account? What is the customer experience like? Some ways that banks ca…

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Episode 449: Should your bank consider cloud-based lending solutions? 13:57

2d ago13:57

13:57

This episode reviews a blog post from PCBB titled “Why cloud-based lending solutions could be the future.” With the continuous increase in technology, regulatory requirements, and changing customer needs, should your bank consider moving to a cloud-based lending solution? This blog post offers five ways in which cloud-based lending solutions can he…

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BND: Strategy Room 8-16-2025 2:06:30

4d ago2:06:30

2:06:30

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 448: Crypto buying, team-ups, fraud, and more! (Crypto Series Part XXVII) 21:09

6d ago21:09

21:09

This is part 27 of the crypto series. In this episode we review a series of crypto related articles. The hottest business trend this summer is buying crypto. New company Ether Machine wants in on the action. Trump Media and Technology Group turns a profit while continuing to build its crypto stake. Team-ups all over the place with Goldman Sachs, BN…

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Episode 447: AI Update 19:07

8d ago19:07

19:07

This episode examines a series of articles around artificial intelligence (AI). Tesla signs deal with Samsung to make AI chips. Musk also raises money for xAI chips. Altman didn’t expect banks to take to AI so soon. OpenAI signs deal with UK. Jenson Huang has serious clout in Washington. JPMorgan overhauls quantum computing. Wells Fargo taps google…

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Episode 446: Review of Fed Senior Loan Officer Opinion Survey for 2Q 2025 11:21

9d ago11:21

11:21

This episode examines the Federal Reserve’s July 2025 Senior Loan Officer Opinion Survey (SLOOS). The survey addresses changes in the standards and terms on, and demand for, bank loans to businesses and households over the past three months. In the 2Q 2025, there were generally tighter lending standards and weaker demand for C&I and CRE loans. For …

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Episode 445: Review of Bank Director 2025 Governance Best Practices Survey 16:32

10d ago16:32

16:32

This episode examines Bank Director’s 2025 Governance Best Practices Survey. This survey looks at how bank boards are being run. How are they conducting oversight, examining risk, and executing strategy. Key findings from the report include setting expectations, virtual deliberations, lengthy board packets, leading the board, and new perspectives. …

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Episode 444: Review of White House Report on Digital Assets 16:39

11d ago16:39

16:39

This episode is a review of The President’s working group on digital assets report titled “Strengthening American Leadership in Digital Financial Technology.” The report is lengthy, but full of great information. Key topics include the digital asset ecosystem, digital asset market structure, banking and digital assets, stablecoins and payments, cou…

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BND: Strategy Room 8-8-2025 2:05:45

13d ago2:05:45

2:05:45

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 443: It's options mania baby! 15:16

14d ago15:16

15:16

This episode examines a blog post and article from The Wall Street Journal (subscription required). The blog post is titled “Why options mania is a contrarian indicator.” The article is titled “In this frothy market, it’s boom times for brokers like Robinhood.” Options trading has exploded in the last five years due to going electronic and the inno…

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Episode 442: How can your bank build an AI policy? 14:13

15d ago14:13

14:13

This episode examines an article from Independent Banker Magazine titled “How to build an AI policy at your community bank.” Does your bank have an AI policy? Not sure where to start? This article offers four steps your bank should be following to set up an AI policy. 1) Figure out where AI is already being used in your bank. 2) Set guidelines for …

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Episode 441: Review of ICBA's guide to The Genius Act 13:39

16d ago13:39

13:39

This episode reviews ICBA’s The Genius Act: A Summary for Community Banks. The report includes the following topics: permitted payment issuers, composition of reserves, authorization for bank custody, application of AML, tailored capital, liquidity, and risk management rules, and timetable for implementation.…

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Episode 440: Let's talk about Generative Engine Optimization (GEO) 11:48

17d ago11:48

11:48

This episode examines a blog post from PCBB titled “Move over SEO. GEO is the new sheriff in town.” Search Engine Optimization or SEO has been the dominate strategy for getting your bank or business to the top of the list on Google search for years. As AI-backed internet searches continue to grow, a new strategy called Generative Engine Optimizatio…

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Episode 439: Big changes are coming to your 401(k), but are they good? 18:00

18d ago18:00

18:00

This episode examines two articles from The Wall Street Journal (subscription required) titled “Wall Street’s Big, Bad Idea for Your 401(k)” and “Retirement account and emergency savings? 401(k)s increasingly play dual role for many workers.” There are big potential changes coming to the 401(k), the question is are they good changes? It becomes a b…

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BND: Strategy Room 8-2-2025 2:05:02

19d ago2:05:02

2:05:02

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 438: Should banks be chasing loan growth right now? 15:51

21d ago15:51

15:51

In this episode we review two articles from Bank Director titled “Rising bankruptcies are a warning sign for banks” and “Banks should not chase loan growth right now”. There is a strong correlation between rising business bankruptcy filings and commercial loan write offs. Yet, commercial delinquencies and loan write-offs remain very low. Should ban…

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Episode 437: The growth of shadow banking and why small businesses choose non-bank lenders 13:24

22d ago13:24

13:24

This episode examines two blog posts from PCBB titled “The rise & risks of shadow banking” and “Why small businesses choose non-bank lenders”. Shadow banking has grown through technological advancements, lack of regulation, increased demand for credit, and cost efficiency. Because of this, shadow banking poses several risks to traditional banking. …

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Episode 436: The next-generation monetary and financial system (Crypto Series Part XXVI) 24:33

23d ago24:33

24:33

This is part 26 of the crypto series. In this episode we review the BIS Annual Economic Report for 2025. Specifically, section III - The next-generation monetary and financial system. This report considers how Tokenization represents a transformative innovation. Tokenized platforms with central bank reserves, commercial bank money, and government b…

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Episode 435: Review of ICBA Advocacy in Action 3Q 2025 17:20

24d ago17:20

17:20

This episode examines ICBA’s Advocacy in Action for the 3rd quarter of 2025. This report covers all the ‘hot button’ regulatory issues in the banking industry. Issues covered include digital asset regulatory framework, trigger leads, challenges to 1071 rule, support for agriculture, taxation of larger credit unions, ICBA check fraud task force, Sec…

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Episode 434: Interview with White Clay Founder & President Mac Thompson 28:21

25d ago28:21

28:21

This episode is an interview with Mac Thompson, who is the Founder & President of White Clay. We discuss how White Clay’s software helps banks and credit unions maximize profitability within a product or business unit. How you can fully utilize existing data to build stronger relationships with your customers. How White Clay can help with balance s…

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BND: Strategy Room 7-26-2025 2:08:34

26d ago2:08:34

2:08:34

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 433: Should small banks use the Zelle payment network? 14:06

28d ago14:06

14:06

This episode examines an article from Banking Drive titled “Why small banks may shun Zelle.” The Zelle payment network is owned by Early Warning Services (EWS). EWS is owned by the largest banks in the U.S. Zelle is a P2P platform, which is currently the third largest behind Venmo and Cashapp. Many smaller banks around the country have not signed u…

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Episode 432: A deeper dive into the 2025 Stress Test Results 12:48

29d ago12:48

12:48

This episode examines a blog post from PCBB titled “Key factors behind lower losses in 2025 Stress Test results.” This blog post takes a deeper dive into the recent Stress Test results. The Stress Test results were influenced by three main factors. 1. Less severe scenario due to countercyclical design. 2. Revised measurement of private equity expos…

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Episode 431: Should it matter who has Fed Master Accounts? 11:13

30d ago11:13

11:13

This episode examines an article from Independent Banker Magazine titled “Kari Mitchum: It matters to community banks who has master accounts.” The article focuses on Federal Reserve master accounts and how only traditional highly regulated banks have historically had access to them. More recently, crypto-native and non-traditional financial compan…

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Episode 430: AI Update 17:11

1M ago17:11

17:11

This episode examines multiple articles around artificial intelligence. The Pentagon just awarded AI contracts to Google, Anthropic, OpenAI, and xAI. Sam Altman has become President Trump’s new buddy on AI. The epic battle for AI talent. Google hires Windsurf CEO. CoreWeave’s purchase of Core Scientific did not go as planned. CoreWeave and Blacksto…

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Episode 429: Historic crypto legislation, Tokenized issues, and more! (Crypto Series Part XXV) 16:07

1M ago16:07

16:07

This is part 25 of the crypto series. In this episode we review recently signed crypto regulation The Genius Act and two additional bills, JPMorgan and the other big banks want to get involved with Stablecoin, Ether jumps into the spotlight, Stock Tokenization is not all it is made out to be, and we consider if crypto is bad for the government defi…

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BND: Strategy Room 7-19-2025 2:06:26

1M ago2:06:26

2:06:26

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 428: Crypto Week! (Crypto Series Part XXIV) 16:24

1M ago16:24

16:24

This is part 24 of the crypto series. In this episode we review multiple crypto related articles. This week was dubbed ‘Crypto Week’ by the U.S. Congress because of 3 crypto bills that are being reviewed. The Genius Act is scheduled to come up for a vote this week in the house of representatives. In other news, Bitcoin flies to a new all-time high,…

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Episode 427: What Chime's example tells us about a smart marketing budget 13:27

1M ago13:27

13:27

This episode examines an article from Cornerstone Advisors titled “You don’t need a Chime marketing budget to make smart marketing investments.” Now that Chime has become a publicly traded company, they have released numbers around their marketing budget. For the first time, we can compare what banks and credit unions are spending on marketing comp…

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Episode 426: Should people be investing in Stock Tokens? 11:59

1M ago11:59

11:59

This episode examines a series of articles on ‘Stock Tokens’. What is stock tokenization? Is it a real investment? Is it a real asset? Robinhood stirred a lot of conversation over the last week by rolling out stock tokens to their customers in Europe. The two companies they are focusing on are OpenAI and SpaceX. OpenAI immediately came out and said…

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Episode 425: Interview with Rob Titterington from Highland Consulting Group 31:56

1M ago31:56

31:56

This episode is an interview with Rob Titterington, a bank recruiter with Highland Consulting Group. Rob and I discuss the current landscape of artificial intelligence and how it is affecting financial services. We cover job applications, hiring, AI skills, will jobs go away, potential job augmentation and increased capacity caused by AI. A link to…

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Episode 424: Interview with Jim McCarthy from McCarthyHatch 30:29

1M ago30:29

30:29

This episode is an interview with Jim McCarthy founder of McCarthyHatch. McCarthyHatch is at the forefront of innovation in the consumer financial industry, driven by their groundbreaking FSAi technology. Jim and I discuss the business, his background, how the company aids their clients in real-time risk prediction, the FSAi technology, and what th…

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BND: Strategy Room 7-12-2025 2:04:26

1M ago2:04:26

2:04:26

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 423: Book Review: John Jacob Astor 18:21

1M ago18:21

18:21

This episode is a book review for John Jacob Astor and The First Great American Fortune by Alexander Emmerich. This biography traces Astor’s rise from a German immigrant to the wealthiest man in American. The first modern ‘millionaire’. Astor created the template for what we now think of as entrepreneur, businessman, investor, real estate developer…

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Episode 422: Book Review: Millionaire (John Law) 15:42

1M ago15:42

15:42

This episode is a book review for Millionaire: The Philanderer, Gambler, and Duelist Who Invented Modern Finance by Janet Gleeson. Imagine ‘The Wolf of Wall Street’ but the story takes place in 1716. This is the wild story of John Law and the birth of modern finance. Law was able to remake the French economy in a time when the government teetered o…

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Episode 421: Book Review: The Greatest Trade Ever (John Paulson) 14:58

1M ago14:58

14:58

This episode is a book review of The Greatest Trade Ever: The behind-the-scenes story of how John Paulson defied wall street and made financial history by Gregory Zuckerman. In 2006, John Paulson ran a small, middling hedge fund on Wall Street. He saw the housing crisis coming and figured out a way to bet against the market. While all the ‘professi…

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Episode 420: Book Review: Trump: The Art of The Deal (Donald Trump) 18:59

1M ago18:59

18:59

This episode is a book review of Trump: The Art of the Deal by Donald J. Trump and Tony Schwartz. This book is a business classic and gives you a peak into the day-to-day life of a real estate developer. This book follows Trump through his early years and goes through various real estate projects completed in the 1970’s and 1980’s.…

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Episode 419: Book Review: Reminiscenses of a Stock Operator (Jesse Livermore) 14:02

2M ago14:02

14:02

This episode is a book review of Reminiscences of a Stock Operator by Edwin Lefevre. The book is a fictionalized biography about Jesse Livermore, who was one of the greatest stock traders that ever lived. This book is a financial classic and one of the most recommended investment books ever written.By Dr. Joseph Bergquist

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BND: Strategy Room 7-6-2025 1:50:17

2M ago1:50:17

1:50:17

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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4th of July Special 2025: Adam Smith and The Wealth of Nations 19:10

2M ago19:10

19:10

This episode is a book review for The Wealth of Nations. We discussed the book, the author Adam Smith, context around the year it was published in 1776, and its enduring influence. The Wealth of Nations is considered the cornerstone of modern economics, shaping capitalism, and policy worldwide. The Wealth of Nations is a masterpiece that birthed Ca…

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Episode 418: Interview with former Fed Governor Dr. Thomas Hoenig 26:09

2M ago26:09

26:09

The Lords of Easy Money series continues with an exclusive interview with Dr. Thomas Hoenig. Dr. Hoenig is the former Governor of the Kansas City Federal Reserve Bank and Vice-Chairman of the FDIC. Dr. Hoenig is the main character in the book The Lords of Easy Money by Christopher Leonard. Dr. Hoenig became famous for his dissenting votes during FO…

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Episode 417: Review of Bank Director 2025 Compensation & Talent Survey 17:00

2M ago17:00

17:00

This episode examines an article from Bank Director titled “2025 Compensation & Talent Survey: Powering the C-Suite” and the Bank Director 2025 Compensation & Talent Survey. The Key findings from the report include measuring CEO performance, hiring plans level off, DEI programs decline, handling mishires, head count plateau, and costs continue to r…

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Episode 416: Review of OCC Q1 2025 Reports on Mortgage Metrics and Derivatives Activities 17:40

2M ago17:40

17:40

This episode examines two reports from the Office of the Controller of the Currency (OCC). Both reports are for the 1st quarter of 2025. The first report is “OCC Mortgage Metrics Report” and the second report is “Quarterly Report on Bank Trading and Derivatives Activities.” The Mortgage Metrics report showed 97.6% of mortgages were current and perf…

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Episode 415: A new 'Genesis' for the Crypto Winter of 2022? (Crypto Series Part XXIII) 16:36

2M ago16:36

16:36

This is part 23 of the crypto series. In this episode we review an article from The Wall Street Journal (subscription required) titled “Crypto billionaire is accused of fraud.” Barry Silbert, one of the original crypto moguls, is being accused of fraud through his defunct company Genesis Capital. What makes this really interesting is that the credi…

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BND: Strategy Room 6-27-2025 2:13:51

2M ago2:13:51

2:13:51

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.By Dr. Joseph Bergquist

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Episode 414: Checking up on Millionaires in the U.S. 19:28

2M ago19:28

19:28

This episode examines three articles from Investopedia. The articles are titled “How many people retire with $1 million or more in their retirement account? The number might surprise you”, “Which generation is the wealthiest in U.S. history, and why?”, and “US added over 1,000 millionaires a day last year – more than elsewhere, UBS says.” These thr…

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Episode 413: What is your banks data strategy? 16:52

2M ago16:52

16:52

This episode examines an article from Bank Director titled “Crafting your data strategy.” The article considers how advancements in technology can enable community banks to unlock greater labor efficiency, new revenue opportunities and create better risk management. This all depends on the bank’s data strategy. The article considers potential ‘blin…

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Episode 412: What is the impact of stopping penny production? 10:51

2M ago10:51

10:51

This episode examines a blog post from PCBB titled “The impact of halting penny production.” As a result of high production costs, the US Mint will discontinue printing pennies in 2026. What does this mean for banks, businesses, and consumers? Banks may see adjustments serving cash-based businesses and coin inventory changes. Businesses may need to…

Joeberq Podcasts