Banking is at an interesting inflection point. There is better technology available today than ever before that can really help banks run more efficiently as their customers are demanding faster and more user-friendly services. At the same time, just over the horizon is blockchain technology, DeFi, stablecoins and more that could make some of today's cutting-edge technology obsolete. My next guests on the Fintech One-on-One podcast are living at the center of this conundrum. Ryan Zacharia and Adam Aspes are both General Partners in JAM Special Opportunity Ventures. They have recently created a joint venture between Jacobs Asset Management and FINTOP Capital called JAM Fintop. They manage two funds, a $150 million BankTech fund and a new $110 million Blockchain fund.