In the final episode recorded live from Money 20/20 in Las Vegas, Nevada, Eyal sits down with leaders from the the three major U.S. core banking providers: Hashim Toussaint, General Manager of Digital & Open Banking at FIS; Chad Killingsworth, Head of Engineering at Jack Henry; and Sunil Sachdev, SVP, Head of Embedded Finance at Fiserv. Among them, these three providers serve not dozens or even hundreds of banks, but thousands, as they enable the long tail of a richly diverse and populous American banking ecosystem. Given their reach, for open banking to succeed in the U.S. the cores will have to embrace it, and throughout this discussion our guests break down exactly how their firms intend to do so. The conversation covers the latest regulatory developments, including the new compliance timeline, the exclusion of smaller banks from regulatory requirements, and how the U.S. cores are ultimately being driven by the real demands of digitally-savvy consumers more than by regulatory mandates. Specifically they discuss:The role of core banking providersThe CFPB rule and compliance timelines Security frameworks and API strategies Smaller banks’ exclusion from regulationThe choice to build vs. buy vs. partner