Financial Health Starts Before the Account
From Breaking Banks by Breaking Banks - The #1 Global Fintech Podcast
March 20, 2026 · 24 min
About this episode
This episode discusses the reality of financial health in the U.S. and how technology can help bridge the wealth gap.
In This Episode We’ve recently seen growth in many areas, but a disconnect always seems to exist between economic growth, especially capital market growth, and what people on the ground are experiencing. In short, the macro story is strong; the reality is more fragile if you look at households. According to Maslow’s Hierarchy of Needs, what is the first thing today’s consumer pays for every month? Mortgage/rent, health care, food? All good guesses, but no! The primary financial priority: the cell phone. In this episode, Robyn Burkinshaw, CEO of BlytzPay, and Jason Henrichs discuss the reality of financial health in the United States. With 30% of the population living at or below the poverty line and 25% considered unbanked or underbanked, the current system often widens the wealth gap. Jason and Robyn discuss redefining financial health through access, designing for real lives rather than ideal users, and using the system to create stability. And Robyn shares how BlytzPay is working to “break the box” by helping lenders and servicers meet subprime consumers where they are via text-to-pay and a flexible online payment system. The mission is…
People in this episode
Guests: Robyn Burkinshaw, Jason Henrichs
Topics covered
- financial health
- technology
- consumer behavior
- wealth disparity
- banking
Keywords
- financial health
- BlytzPay
- subprime consumers
- text-to-pay
- wealth gap
- AI
- access
- economic growth
- unbanked
- underbanked
Sponsors
U.S. Bank
Mentioned in this episode
Products: BlytzPay
Books & works: Hot Takes
Places: the United States
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