JP Nicols

JP Nicols is a leading fintech keynote speaker, podcaster and advisor, helping financial institutions and fintechs drive innovation, reduce risk and unlock new growth.

JP Nicols is a leading keynote speaker, podcaster, writer and trusted advisor to financial institutions and fintech companies worldwide. With a focus on building stronger bank–fintech partnerships, JP brings clarity and practical expertise to a fast-moving industry. Recognised as a top thought leader and frequently featured in global media, he is passionate about turning bold ideas into meaningful results.

His pioneering work on innovation in financial services has been showcased by the likes of BBC World News, Forbes, American Banker, Business Insider, The Financial Brand, BAI Banking Strategies and Investment News.

As cofounder of Alloy Labs and Managing Director of the Alloy Labs Institute, JP helps leadership teams and boards apply proven frameworks to reduce innovation risk, build competitive advantage and unlock new growth. His mission: to “unbreak the bank” and unleash the industry’s full potential.

JP also cohosts Breaking Banks, the world’s #1 global fintech podcast, and is the creator of the first graduate banking curriculum on fintech and innovation. He is a top-rated instructor at the Pacific Coast Banking School (University of Washington), the Graduate School of Banking at Wisconsin, and cofounder of the Digital Banking School. He has also taught at leading programmes including the Graduate School of Banking at Colorado, the Southwest Graduate School of Banking at SMU, CUES, and numerous national and international associations.