Jo Ann Barefoot

CEO & Founder, Alliance for Innovative Regulation

Jo Ann Barefoot is CEO & Founder of the Alliance for Innovative Regulation, Cofounder of Hummingbird RegTech, and host of the podcast show Barefoot Innovation. A noted advocate of “regulation innovation,” Jo Ann is Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government, writing a book and series of papers on financial innovation and regulation. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chairman of Treliant Risk Advisors, and staff member at the U.S. Senate Banking Committee. She’s an angel investor, serves on the board of Oportun, and advises financial companies and governments worldwide. She serves on the fintech advisory committee for FINRA, is a member of the Milken Institute U.S. FinTech Advisory Committee, and is a member of the California Blockchain Working Group Advisory Board. Jo Ann chairs the board of directors of FinRegLab, previously chaired the board of the Financial Health Network (previously called the Center for Financial Services Innovation), and previously served on the CFPB’s Consumer Advisory Board. Jo Ann has published nearly 200 articles and is a popular keynote speaker, addressing thousands of people annually throughout the world. Jo Ann also leads Barefoot Innovation Group.

What is it about FinTech that excites you?

Fintech could bring fair, affordable financial services to everyone on earth. That was never structurally possible, until now.

What do you envisage being the biggest development in FinTech in the next 5 years?

Major fintechs will rival banks.

What do you enjoy doing in your time away from work?

I love adventure travel. I’ve flyfished in Patagonia, searched for wolves in the Arctic, volunteered in leprosy-affected communities in rural India, and done a four day wilderness trip, solo, with no tent, fasting.

What is the biggest change that you have witnessed in the sector over the past 12 months?

Crypto will go mainstream, thanks to stable coins.

Who would be your top 3 dinner party guests and why?

Satoshi Nakamoto (if we could find him/her/them), Bill Gates, and Jack Dorsey.