JP Nicols

JP Nicols coined "The Irrelevance Trap", the pattern where past success blinds organizations to emerging risk, after 20 years as a bank executive helping scale a regional bank from under $1B to $60B in market capitalization. He's now cofounder and managing director of Alloy Labs, a consortium helping community and regional banks collaborate on innovation to stay relevant, and cohost of Breaking Banks, the #1 global fintech podcast. He's been on the faculty of leading graduate schools of banking since 2015 and has been featured on BBC World News, American Banker, and The Financial Brand. He's available on short notice to comment on the banking industry, fintech-bank partnerships, and strategic disruption in financial services.