This week, Breaking Banks’ Brett King talks to Rachel Schneider, senior vice president of Center of Financial Services Innovation, about her new book "The Financial Diaries: How American Families Cope in a World of Uncertainty" and on potential solutions to income volatility problems. The book is based on the U.S. Financial Diaries study, which follows the lives of more than 200 low- and middle income-families over the course of the year. Also: Travis Dulaney, chief executive of Push Payments, talks instant payments; Mary Wisniewski of American Banker discusses the week's news, including the OCC's fintech charter, data aggregation battles and alternative data.