Chris Rigoni

Husband, dad, financial services and payments geek. My views are my own and in no way represent the opinion of my employer.

[Chris Rigoni @chrisrigoni]

Check out the latest from The Finserv Minute, Lessons in Partner Banking - Part 3: Data #partnerbanking #embeddedfinance #baas #fintech #financialservices

https://t.co/urPAwhVqwi

[Lukio Tec @LukioTec]

@chrisrigoni "Just read Part 6 of The Finserv Minute's Lessons in Partner Banking series. Regulators can be tough to work with, but understanding their needs is crucial for a successful partner banking

[Chris Rigoni @chrisrigoni]

Another week, another lesson in #partnerbanking. This time talking about how to work with regulators while building or running a partner banking program. Check out the latest from The Finserv Minute - Lessons in Partner Banking - Part 6: Regulators.

#fintech #baas #banking #financialservices #payment

@mikulaja @AlexH_Johnson @rshevlin

https://t.co/NStcVPpT4z

[Chris Rigoni @chrisrigoni]

It's going to be a great time in #CLT. I am excited to speak at @DatosInsights Retail Bank Transformation Americas on June 8-9. If you haven't registered, do it! So many speakers and so much amazing content- you won't walk away without something valuable to take back to your role! #fintech #partnerbanking #payments #banking #transformation

[Chris Rigoni @chrisrigoni]

As was evident by yesterday's announcement, I've been busy - but it's time to get back to writing! Check out the latest from The Finverv Minute - Lessons in Partner Banking: Governance. This series has been great for putting everything I've learned over the years in #PartnerBanking and #fintech into writing, and I'm excited to share it with anyone looking to get into #baas, #embeddedfinance, or any other partner banking segment.

@AlexH_Johnson @mikulaja @rshevlin

https://t.co/oj3eMsi8sv

[Axiom Bank @AxiomBank]

Axiom Bank has officially ended its formal agreement with the Office of the Comptroller of the Currency (OCC), signaling the successful completion of a major transformation. #Banking

Official press release - https://t.co/rsUU0BK7ds

[Chris Rigoni @chrisrigoni]

#Fintech partners: what does today's Axiom Bank, N.A. announcement mean for you? It means you now have a bank partner that is:

🔹 Fully compliant and operationally sound
🔹 Technology-forward
🔹 Led by executives with deep partner banking expertise
🔹 Committed to building programs that scale

The resolution of our OCC formal agreement opens the door to serious partnership conversations. DM me. Let's build something.

#PartnerBanking #BaaS #AxiomBank #BankingPartnership #Fintech2026

https://t.co/tcOl63VaIa

@mikulaja @AlexH_Johnson @rshevlin

[Chris Rigoni @chrisrigoni]

There are many "AI in financial services" conversations out there; this is not one of those. Let's get specific about AI in #payments and #lending and talk about what the future might hold. #fintech #partnerbanking

Thanks to @FintechPolicyUS for hosting!

[Chris Rigoni @chrisrigoni]

Today marks one year at Axiom Bank, N.A., and it has been nothing short of a whirlwind. The leadership team here is incredible and fully embodies the bank's core values, especially its bias for action. In this first year, Robert John joined as COO and immediately made an impact. Leaders like Ross Breunig, Brian Williams, and Rob Urban handled complex challenges as if they were simple tasks and continued to move Axiom forward. I was also able to add Jeffrey Donovan to the team, which positions Axiom Partner Banking for success on every level. I am excited about what the future holds and dedicated to providing the best experience for fintechs and other organizations seeking a partner bank. The future looks bright, and year two is going to be amazing! #fintech #baas #partnerbanking #sponsorbank

[Chris Rigoni @chrisrigoni]

Excited to be speaking at Retail Bank Transformation Americas 2026 — June 8-9 in Charlotte!
This year's program is built around the tensions that matter right now: the trust paradox in AI-driven personalization, the small business segment that fintechs are quietly winning, and how banks can grow fee income without eroding the relationships that make it possible.
Join 200+ senior executives from banks, credit unions, and innovative tech cos for candid case studies, candid conversation, and research you can’t get anywhere else.  Complimentary attendance for qualified bank and credit union professionals.
Request your invitation: https://t.co/8rJLlCNmm4
#RetailBanking #FinancialServices #RBTA26

[Chris Rigoni @chrisrigoni]

Breaking: Coastal Community Bank files 8-K for purchase of Evolve Bank and Trust banking as a service programs

@mikulaja @AlexH_Johnson

[Chris Rigoni @chrisrigoni]

So great having friends in #fintech close by so you can do dinner randomly during the week. Great seeing you Kyler Bishop, Nicholas Pawelk, Walter Sciberras, and Sam Holt! Fintech in Alabama is alive and growing 💪🏻

[Chris Rigoni @chrisrigoni]

From announcement to account closure in about 2 months for Monzo Bank. Maybe it’s just me, but that is lightning fast for a planned closure. In recent US job postings, Monzo stated there were “over 150,000 customers/users” in the US. Small drop in the bucket compared to their overall 12-15mm users they reported in their 2025 annual report. So maybe it’s not that fast, and maybe it isn’t a huge customer impact if most aren’t using Monzo as their primary account. #fintech #baas

[Chris Rigoni @chrisrigoni]

Monzo is closing US accounts 👀 @AlexH_Johnson @mikulaja

[Chris Rigoni @chrisrigoni]

Taking a break to go on a school trip with my oldest to Washington D.C. and New York City. So grateful to be able to experience this with him. Looking forward to a lot of fun and learning! #fintechgoestoDC #fintechgoestoNYC

[Chris Rigoni @chrisrigoni]

That’s the wrong focus though. Banks shouldn’t be worried about Apple Pay taking over payments, they should be worried about Apple taking over the experience and all of the ancillary products and services they can offer to those customers already in their ecosystem. I would look to apps like WeChat as an example of what can happen.

[Chris Rigoni @chrisrigoni]

Failure is useless if you don’t learn from it. All true innovation requires failure. I think we can all agree there have been some collective failures in partner banking from many different institutions. The great part is that the industry is learning and adapting. I’m so stoked to get to talk about it all with one of the greats. We both have scars, but we also have hope and a plan. Join us and register now! #baas #partnerbanking #sponsorbanking #fintech

https://t.co/NbVdccBI1t

[Chris Rigoni @chrisrigoni]

Santander's purchase of Webster Bank reminds me of the piece I wrote about my time at BBVA in the USA. Foreign bank expansion into the US seems like a great idea; however, there are significant pitfalls that could make this purchase unsuccessful, regardless of the bank's size. #banking #financialservices #acquisition

Read more:
https://t.co/kx6AAFZ4pz

[Chris Rigoni @chrisrigoni]

@riley_ngg Thank you!

[Chris Rigoni @chrisrigoni]

Check out the latest from The Finserv Minute, Lessons in Partner Banking - Part 3: Data #partnerbanking #embeddedfinance #baas #fintech #financialservices

https://t.co/urPAwhVqwi

[Chris Rigoni @chrisrigoni]

@AlexH_Johnson Do they have a “market” to put money on this failing gloriously?