The emergence of developer-first banking
summary
Banks are shifting to treat CTOs and developers as buyers because venture funding into fintech hits roughly $80–100B this year and one in five VC dollars goes to fintech, creating deposits and distribution opportunities. Payments drive the change: banks face 72-hour ACH exposure and collateral demands, same‑day ACH embeds 5.2¢ receiver fees, wires are RTGS with no credit risk, and RTP offers 15‑second settlement for push payments. The real opportunity is monetizing the payment data exhaust for underwriting, productization, and API distribution.
AI-written summary · about
chapters (6)
- 0:00Introduction and banking trends
- 10:12Why banks will embrace developers
- 17:10Verticalization and distribution in finance
- 23:01Banking roadblocks and risks
- 30:09Payment systems deep dive
- 44:20Real-time payments and Q&A summary
related talks
27mDriving revenue opportunities across the Open Banking ecosystem
16mWhat Fintech Missed in the Real Economy
19mUnlocking Financial Inclusion with Embedded Finance
23mThe New Neobanking Stack
20mEmpowering Developers: Driving Innovation for the Future of Work TechLead
26mReaching Innovation Velocity
26mAPI Monetization: How Fintechs use API Interconnectivity to Drive Revenue
02mOpen Banking : Business beyond regulation