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PODCAST

Fintech Takes

Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat. Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out. Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking. Each week, Alex and his guests recap the most interesting

business investing

All Episodes

56:48

S7 Ep8: Not Fintech Investment Advice: Kudos,...

Fintech Takes ·

2024/05/29

Another day, another credit card reward app to unpack. But this time, is it actually possible we’ve found the one reward app to rule them all? Alex and Simon Taylor discuss the promising rewards optimization app, Kudos, which helps users determine which credit card is optimal for maximizing points on purchases. Will Kudos change the rewards space forever? And if consumers expect points to be optimized at every turn, then what does this mean for the future of the rewards system? Alex and Simon make

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55:17

S7 Ep7: What Large Language Models Mean for the...

Fintech Takes ·

2024/05/22

You can’t read anything these days without seeing something about how Chat GPT and large language models are the future of technology. So if LLMs are the future, what exactly does this mean for fintech? And how is it any different from the AI that’s already been used to make financial decisions for years now? Alex chats with Rohan Ramanath, the co-founder of Hyperplane, to uncover the application of AI in financial services and its future. Are LLMs the magic bullet to help fintech make better,

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64:59

S7 Ep6: Bank Nerd Corner: Unpacking Federal Reserve...

Fintech Takes ·

2024/05/15

We have a lot of questions when it comes to Fed Master Accounts. And thankfully, Julie Hill, Vice Dean and Alton C. and Cecile Cunningham Craig Professor of Law at the University of Alabama, is here to answer them! In this special edition of Bank Nerd Corner, Julie helps Alex and Kiah unravel the many legal mysteries of the Federal Reserve’s Master Accounts. Julie breaks down the history of the Fed’s payment systems and explains how access to those systems (via Master Accounts) impacts banks and

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73:14

S7 E5: Fintech Recap: Tipping is Bullshit, Synapse’s...

Fintech Takes ·

2024/05/08

The tulips are blooming and the windmills are churning—so where in the world is Jason Mikula this week? Jason calls into the pod live from the beautiful Netherlands to break down the latest in fintech news with Alex. First on the plate? The final chapter in the Synapse bankruptcy saga. After Synapse sold all of its assets to TabaPay for $9.7 million and settled its dispute with Evolve, it appears all parties are walking intact from the ordeal. What did we learn? And what BaaS drama is coming

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63:39

S7 E4: Not Fintech Investment Advice: Modak Makers,...

Fintech Takes ·

2024/05/01

Alex is back with the great and powerful Simon Taylor to unpack some of fintech’s most interesting fintech startups.We’re barely beginning the month of May, and it looks like there’s yet another family credit card app to unpack—but this one actually feels different. Can Modak Makers succeed where other family cards have floundered? And how does its unique points rewards system for things like chores, sensible savings habits, and step count help it to distinguish itself from the pack? Then, Alex

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64:06

S7 Ep3: The WILD Story of PayPal’s Origin, with...

Fintech Takes ·

2024/04/24

Elon Musk, Amy Rowe Klement, Peter Thiel, Julie Anderson, Max Levchin, Reid Hoffman. What do these powerhouse entrepreneurs all have in common? Hint: They all played a role in the meteoric rise of PayPal. Find out the intricate web behind one of the biggest startups in the world, as Alex chats with the author of "The Founders: The Story of PayPal and the Entrepreneurs Who Shaped Silicon Valley," Jimmy Soni. They dive into the history of PayPal and discuss the early days of the company, its vision,

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69:02

S7 Ep2: BNC: The Relationship Between Stock Prices...

Fintech Takes ·

2024/04/17

In this super special edition of Bank Nerd Corner, Alex and Kiah are joined by Steven Kelly, the Associate Director of Research at the Yale Program on Financial Stability.They dive into the Q1 Bank Earnings, debating exactly how much stock prices matter in determining bank health. Is there too much emphasis placed on the connection between stock prices and deposit runs at the bank? Kiah, Alex, and Steven debunk some of the biggest misconceptions about bank solvency and unravel how banks have always

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55:47

S7 Ep1: Fintech Recap: Consent Order Madness, Chime...

Fintech Takes ·

2024/04/10

Another week, another consent order. Welcome back to BaaS Island, where regulators keep throwing more bodies at the problem, hoping something will work. Fintech Business Weekly’s Jason Mikula chats with Alex about the latest consent orders for Piermont and Sutton, as the duo debate whether or not “direct” has lost all meaning. Is it possible to really go “direct” from a fintech company to a bank without middleware? Too much regulatory authority has pushed banks away from doing everything except

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48:25

S6 Ep12: Workshopping Fintech Theses

Fintech Takes ·

2024/03/27

This week, Alex is joined by Gabby Cazeau (Partner at Harlem Capital) and Emily Man (Partner at Primary Ventures) to workshop some theories about the future of fintech. With open banking rules for the U.S. being finalized this year, it’s clear that cashflow underwriting is about to have its time in the sun — do we have the necessary infrastructure in place to fully capitalize on it? Then, Alex, Gabby, and Emily dive into the increasing concerns surrounding fraud and identity due to the rise of AI

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49:48

S6 Ep11: Not Fintech Investment Advice: Chipp.ai,...

Fintech Takes ·

2024/03/20

Simon Taylor’s back on the podcast and he’s excited (but oh so exhausted) to be talking about some of fintech’s most promising startups with Alex.First up on the docket, is Chipp.ai the next Shopify for AI? As a platform offering to build custom AI prompts, can Chipp.ai help freelancers productize themselves? Since the rise of AI, freelancers have needed to gain greater leverage over their unique set of skills to fit market demand—will this be the solution to weaponize them? And as if there weren’t

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83:20

S7 Ep10: BNC: Unpacking the 1 Year Collapsiversary of...

Fintech Takes ·

2024/03/13

Just because Alex is finally leaving Las Vegas, doesn’t mean he’s escaping the banking desert back in Montana. And for that matter, neither are the vast majority of Americans. This week, he and Bank Director Editor Kiah Haslett discuss the growing impact that closing bank branches have had on rural communities— what are these “banking deserts”? And what really happens when online banks are all that’s left in a town? Also… Did you forget whose anniversary it is today? Happy 1st SVB collapsiversary

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48:05

S6 Ep9: Fintech Recap: The Discover/Capital One...

Fintech Takes ·

2024/03/06

On this week’s episode of Fintech Takes, Alex is joined by international man of mystery and publisher of Fintech Business Weekly, Jason Mikula, along with the Ghost of Fintech Future and cruise director of New York Fintech Week, Jon Zanoff. First up, the guys discuss the latest in the Capital One/Discover deal and debate the nature of mergers and acquisitions. Are M&As inherently bad for fintech? How do they impact innovation and why are consumers usually the victims of consolidation? They break

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54:43

Killing It! The Hidden Toll of Startup Success: Matt...

Fintech Takes ·

2024/02/29

Founding a startup is the thing so many fintech entrepreneurs dream about. So what happens when that dream turns into a nightmare? In this special crossover series with Breaking Bank’s Jason Henrichs, Alex and Jason are joined by Matt Harris, former founder and CEO of Bloom Credit, and founder/executive coach of TwentySeven Nine, to discuss the challenges and emotional roller coaster that founders face in the startup world. Matt shares his story of startup success and burnout, revealing why the

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46:28

S6 Ep8: Oh, What a Gorgeous Business Model! (A Deep...

Fintech Takes ·

2024/02/28

Let’s face it—profitability is in vogue in fintech again. So this week, Alex is mixing it up by taking a deep dive into the most reliably profitable business models in financial services. Which models can we glean lessons from? And which, if any, have repeatable processes worth considering? Jared Franklin, fintech consultant and the master of waxing poetic about fintech business models, and the author of the Popular Fintech newsletter, Jevgenijs Kazanins, join Alex to break down three of their

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40:44

Killing It! – Leaving the Hero Complex of Foundership...

Fintech Takes ·

2024/02/23

What happens when entrepreneurs have to face down the most difficult decision there is — knowing when it’s time to sell, shut down, or exit? In this special crossover series, Alex joins Breaking Banks’ Jason Henrichs for candid conversations with fintech leaders who have experienced the loss of their company. This week, Alex and Jason talk with Shamir Karkal, CEO of Sila and former Co-Founder of Simple, which was acquired by BBVA in 2014. From the early days and pain points of launching Simple to

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35:12

Killing It! –Fintech’s Biggest Disrupters on...

Fintech Takes ·

2024/02/22

Things in life rarely go as planned. But things in fintech? Well… They almost never go as planned. So how do you put yourself and your ideas into the fintech world when failure is almost certainly inevitable? What happens when grinding isn’t enough to keep your company afloat? And how do you cope with the potential loss of the idea (and identity) you loved so dearly? In this special crossover series with Breaking Banks’ Jason Henrichs, he and Fintech Takes’ Alex Johnson sit down with fintech’s

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82:13

S6 Ep7: Bank Nerd Corner: New York Community Bank,...

Fintech Takes ·

2024/02/21

America’s favorite banking and fintech Editor, Kiah Haslett, drops by to unpack the latest, craziest, and hottest news in the banking world for another round of Bank Nerd Corner with Alex, and this week they’re weighing in on whether the fuss about New York Community Bank is warranted, if car dealers are conspiring to increase prices, and the unusual path of Panacea Financial. First up, with New York Community Bank taking on a higher refi risk to have much safer credits, we have to ask — what’s got

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55:46

S6 Ep6: Not Fintech Investment Advice: Tip Top,...

Fintech Takes ·

2024/02/14

Simon Taylor’s back and fresh off writing his latest in-depth Q1 fintech report to chat with Alex about more potential fintech companies on the rise, including the instant cash electronic trade-in company offering a liquid market at your fingertips, an AI startup seeking to replace investment bank analysts, and the first travel card for Gen Z. Meet the company that sounds like eBay but we swear isn’t: TipTop. The instant cash for electronics trade-in app is banking on the hopes that people will stop

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55:52

S6 Ep5: Fintech Recap: Regulators Crack Down on BaaS,...

Fintech Takes ·

2024/02/07

Just sit right back and you’ll hear a tale, a tale of a fateful trip. That started from this banking port aboard this tiny… okay, so we promise to give up on this BaaS island analogy eventually, but in the meantime, our cruise tickets over to BaaS island are non-refundable, so let’s dive into the latest happenings. With Blue Ridge Bank strapped with a second enforcement action just 18 months after its first action, we have to ask— should consumers be alarmed? And with Choice Bank also disclosing its

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91:18

S6 Ep4: The Nuances in Credit Underwriting that Most...

Fintech Takes ·

2024/01/31

Frank Rotman, Chief Investment Officer at QED Investors, makes his triumphant return to the podcast to share his wisdom on all things lending. As the first Chief Credit Officer at Capital One (before this role officially existed), Frank has an incredibly rich and nuanced perspective on topics like cashflow underwriting, the value of traditional credit data vs alternative data, and payment protection insurance. In this conversation, Frank and Alex break down the importance of distinguishing

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177 results

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