Who Really Owns Trust in Embedded Finance?

Who Really Owns Trust in Embedded Finance?

From Breaking Banks by Breaking Banks - The #1 Global Fintech Podcast

April 3, 2026 · 24 min

About this episode

This episode discusses the integration of financial services into non-financial platforms and the evolving relationship between fintechs and banks.

In This Episode In this episode of Breaking Banks, industry leaders Jason Hass (First Electronic Bank), Mike Jorgensen (U.S. Bank), and Louis Mrachek, (Merrick Bank) connect with Jason Henrichs for a dynamic conversation centered on embedded finance. Embedded finance seamlessly integrates financial services into non-financial platforms. Some examples include BNPL, Lending: Business & Personal Loans, and P&C Insurance, simplifying the claim process and getting the payment. The panel explores how fintechs and banks are evolving from competitors into true partners—combining innovation, compliance, and trust to deliver better customer experiences. They also tackle tensions between speed, risk and regulation, and the critical role banks still play behind the scenes. The future of finance may be invisible — but the trust powering it cannot be. This episode is part of the Hot Takes series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

People in this episode

Host: Jason Henrichs

Guests: Jason Hass, Mike Jorgensen, Louis Mrachek

Topics covered

  • embedded finance
  • fintech
  • banking
  • customer experience
  • regulation

Keywords

  • BNPL
  • Lending
  • P&C Insurance
  • customer experiences
  • trust
  • innovation
  • compliance
  • risk
  • regulation

Mentioned in this episode

Products: First Electronic Bank, U.S. Bank, Merrick Bank

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