My guest today is Michael Dowling, Co-Founder at Jewel, the first de novo Bermudian bank in 50 years, and CTO at Mode Eleven Bancorp here in the US. Michael has been at the forefront of designing bank technology for over a decade. He brings a unique perspective on how building a bank is different than building other types of startups, the role for banks with crypto and stablecoins, why banks and startups should partner rather than try to go it alone, and how banking can play a vital role in revitalizing local communities. Please enjoy this conversation with Michael Dowling.

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