Howard W. Herndon

Howard Herndon is a nationally recognized thought leader in the fintech and electronic payment systems space, known for his strategic counsel to next-generation businesses, financial sponsors, and key stakeholders. Based in Nashville, Tennessee, Howard is widely recognized for the pivotal role he has played in establishing the city as a growing fintech hub. He is highly respected both locally and nationally and is frequently sought after to speak at major industry events across the country.

With over two decades of experience, Howard’s practice encompasses mergers and acquisitions, deal structuring, operations, and compliance for both public and private payments companies, and he often handles transactions ranging from $100 million to more than $1 billion. He brings a unique business and legal perspective from having worked on both sides of the payments industry, regularly advising emerging businesses, private equity firms, and venture capital investors. Howard also offers legal insights on emerging technologies and regulatory frameworks that shape the financial services landscape.

Howard is at the forefront of artificial intelligence innovation, particularly at the intersection of fintech and national security. He has developed advanced AI solutions designed to detect trade-based money laundering, tariff evasion, and other illicit financial activities, helping clients and government entities address critical challenges with cutting-edge technology. His deep understanding of agentic AI and contextual AI applications spans multiple sectors, including government, healthcare, music and creative rights, travel, and financial services.

He is also known for his thoughtful analysis of payments industry issues, including the ongoing debate around interchange fees. Howard has highlighted how proposed changes — such as those contemplated under the Illinois Interchange Fee Prohibition Act (IFPA) — can have far-reaching impacts on the payments ecosystem, including operational complexity, fraud risks, and the funding of essential services such as fraud prevention and rewards.

In addition to his payments and AI knowledge, Howard collaborates with investment banks and private equity firms, providing strategic guidance that drives innovation and transformative results. His national practice is complemented by significant international engagements, reflecting his broad influence and extensive industry knowledge.