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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

57:55

What Customers Want: Fintech’s Complicated...

Fintech Takes ·

2024/09/19

Welcome to What Customers Want, a limited series from the Fintech Takes podcast, hosted by yours truly.In this 4-part series, I’ll be cracking open one of fintech’s most puzzling topics: customer service. And I’ll be joined by Corey Besaw, President of APAC and one of the founders of Ubiquity, a company that knows a thing or two about scaling up a customer service operation. While fintechs are famously customer-obsessed —- from early paycheck access to compliance emails so spectacular they can

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60:05

S8 E11: Not Fintech Investment Advice: 1: Agree,...

Fintech Takes ·

2024/09/18

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I spotlight new and exciting fintechs, minus the stock tips. First up is Agree. If DocuSign and Stripe had a Gen AI-powered baby, it’d be the e-signature platform Agree. It blends free agreement software with paid invoicing and payments (merging 2 trends: AI-driven law tech with AI-driven finance workflows). Why juggle invoices and contracts when you can reconcile both in one platform? Is this the next big thing in regtech? Next,

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88:20

S8 E10: Bank Nerd Corner: Why "FBO" is Out & Fintech...

Fintech Takes ·

2024/09/11

Welcome back to Bank Nerd Corner, featuring yours truly and the brilliant Kiah Haslett, Banking and Fintech Editor at Bank Director.First up: Kiah breaks down why "FBO" accounts need a rebrand as "Fintech Custody Accounts" (FCA) to better reflect today’s BaaS landscape. Could this shift in lingo actually improve transparency in managing fintech partnerships? Next, they dive into the Federal Open Market Committee's looming rate cut decision, the first since 2020. With excitement brewing over

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57:05

S8 E9: Fintech Recap: Klarna’s “Balance” vs. Banking,...

Fintech Takes ·

2024/09/04

In this week’s episode of Fintech Recap, Alex is joined by Jason Mikula to dive into the latest on fintech.With BaaS Island quiet, the guys head over to BNPL for some fresh juice. First up, Klarna’s U.S. launch and its new “Balance” feature — despite the hype, it’s not quite banking. In the U.S., “Balance” is more of a wallet within Klarna's app, far from their European banking model. Klarna’s shooting for global banking glory, but the fine print reveals a different tale — more shopping convenience

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53:49

S8 E8: Money Talks: What do Gen Z and Boomers Hear?

Fintech Takes ·

2024/08/28

Alex catches up with fintech storyteller Mary Wisniewski, Editor-at-Large at Cornerstone Advisors and host of the podcast Money Isn't Everything. In this episode, they dive into Mary’s latest research on Gen Z's financial habits—spoiler alert: Gen Z is more anxious and open about money than any generation before. From spilling the tea on student loans to salaries on TikTok, Gen Z is reshaping how we talk about money while grappling with social media pressures and major gaps in basic financial

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66:45

S8 E7: Not Fintech Investment Advice: Revenir,...

Fintech Takes ·

2024/08/21

In this episode of Not Fintech Investment Advice, Alex and Simon spotlight the latest up and comers solving cool problems in fintech.First up is Revenir, which helps travelers and businesses recover sales tax on their purchases, making rebates happen "automagically" through its API. As a prime "found money" use case for AI, what's Revenir’s long-term strategy? Could a neo-bank leverage this feature as an exclusive advantage? Then, it’s Summer (the product, not the season) which helps grads manage

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37:02

Examining the Vicious Lifecycle of Fintech (ft. The...

Fintech Takes ·

2024/08/15

On this super special bonus ep from The Consumer Finance Podcast, Alex joins Chris Willis and Jesse Silverman at Troutman Pepper to dissect fintech’s volatile lifecycle and its effects on bank-fintech partnerships. Have you ever wondered why a new fintech VC seems to magically appear in the spotlight every 4 to 7 years? The guys explain the technological waves that shape entrepreneurs as they’re dumped into the fintech ecosystem. How do new waves of VCs affect the industry’s ability to innovate

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65:56

S8 E6: Bank Nerd Corner: What is the BSCA and What...

Fintech Takes ·

2024/08/14

This week on Bank Nerd Corner, special guest and partner at Arnold & Porter, Jim Bergin joins the pod. Having worked for the Federal Reserve for 18 years, Kiah and Alex pry into his legal expertise to get answers to some lingering questions. Jim explains the history and purpose of the Bank Service Company Act, a law enacted in the 1960s in response to the burgeoning technology needs of banks. He explains what the BSCA was originally designed for, and how it has evolved over the decades. Alex, Kiah,

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77:17

S8 E5: Fintech Recap: The BaaS Multiverse of Madness,...

Fintech Takes ·

2024/08/07

In this week’s episode of Fintech Recap, Alex is joined by Jason Mikula to discuss the latest news and trends in the fintech industry.What if BaaS Island wasn’t really an island at all, but the gateway to a multiverse filled by other BaaS Islands? That’s right — BaaS Island is fracturing as Jason and Alex venture into the multiverse. What’s going on with Mercury and the extended Synapse/Evolve multiverse? Alex and Jason explain the lengths Mercury went to in order to get around compliance

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57:24

S8 E4: When Greed Meets Speed: Is It Time to Reign...

Fintech Takes ·

2024/07/31

Can you tell me how to get to FAFO Street?Jason Henrichs (host of the Breaking Banks podcast) certainly can, and he’s pointing the finger at venture capitalists. He and Alex have a laundry list of juicy questions for regulators, entrepreneurs, and investors. And even if they are unanswerable, the guys are doing their best to answer them. Is there a right way to regulate fintech? And are banks looking at things from the wrong perspective? Instead of cutting corners to scale, what would happen if

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54:39

S8 E3: Not Fintech Investment Advice: Niva, OatFi,...

Fintech Takes ·

2024/07/24

Simon Taylor’s back in action and ready to break down some of the hottest up and comers in the fintech world with Alex.First, he and Alex discuss Niva, the global business identity platform using AI to help lenders and fintech companies onboard business customers through a Know Your Business (KYB) process. Focused primarily on growth in Brazil and Mexico, the platform claims it can bring the onboarding process for business customers down to 10 minutes. KYB growth is hot in the US— but can KYB

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67:04

S8 E2: Bank Nerd Corner: What Are Shadow Banks?

Fintech Takes ·

2024/07/17

What is shadow banking? It sounds nefarious… right? But what does it really mean? Alex is joined by Kiah Haslett and special guest, Todd Phillips, the assistant professor at the Robinson College of Business at George State University, to break down the topic of shadow banking and to discuss the challenges it poses for bank supervisors, regulators, and consumers alike. They unpack the inherent risks of shadow banking and explore the role shadow banking played in the downfall of Synapse. What weight

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64:40

S8 E1: Fintech Recap: Evolve’s Massive Data Breach,...

Fintech Takes ·

2024/07/10

He’s been wise. He’s been powerful. But guess what? It’s the first episode we can officially call Jason Mikula an author! Jason chats about his new book, “Banking as a Service: Opportunities, Challenges, and Risks of New Banking Business Models” and reveals what you can expect from his debut book, which is currently available for pre-order. If you haven’t ordered your copy yet, don’t forget to order it here using the promo code “BaaSIsland” for 20% off!And speaking of BaaS Island, beware of where

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45:56

BONUS EPISODE: Terry Angelos on Visa’s Latest...

Fintech Takes ·

2024/07/03

In this special end-of-season bonus episode, Terry Angelos, former SVP and Global Head of Fintech for Visa joins Alex to break down what Visa’s recent string of announcements might mean for the future of payments.What is Visa Flexible Credential, and how is it shaping up to change the way we view credit and debit cards? Find out how this innovative technology enables multiple credentials on a single card and gives consumers vastly more flexibility in choosing how they pay. Terry also shares his

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59:24

S7 E12: How Payment Insurance Enhances Consumer...

Fintech Takes ·

2024/06/26

Alex is joined by Danielle Sesko, Director of Product Management and Innovation at TruStage, to delve into the crucial role of embedded payment insurance in lending and its potential to enhance consumer financial health.How does payment insurance safeguard borrowers against job loss or disability, lower delinquency rates, and boost lender competitiveness? Danielle and Alex explore the rise of digital lending and discuss why the need for payment insurance across the lending industry has grown over

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48:35

S7 E11: Not Fintech Investment Advice: Frich,...

Fintech Takes ·

2024/06/20

You should never take fintech investment advice from podcasters— and thankfully, Alex and Simon are definitely not giving out fintech investment advice on this week’s podcast. Speaking of things you should never do, comparing yourself to others certainly tops that list. But what if you knew what normal spending looked like amongst your peers? That’s the philosophy that the wealth benchmarking app, Frich is banking on, and you know what? It might actually be a good thing. Targeting Gen Z, the app

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68:46

S7 Ep10: Dissecting Federal Preemption Laws, Citibank...

Fintech Takes ·

2024/06/12

Summer’s almost here, and Kiah Haslett is braving the swarms of Tennessee cicadas to join Alex for another session of Bank Nerd Corner.First up on the docket, Alex and Kiah tackle the Supreme Court’s decision on Cantero vs. Bank of America. Bank of America contests that they don’t have to pay interest on escrow accounts in accordance with federal law because hey, the state law says something different. But which law do federally chartered banks have to follow if both state and federal laws speak to

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51:43

S7 E9: Fintech Recap: Synapse vs. the World, Visa...

Fintech Takes ·

2024/06/05

We won’t lie— we’re exhausted. Are you exhausted from keeping up with one of the most tiring stories in financial services?Jason Mikula certainly is, and he’s summoning the strength to join Alex to chat about the current drama between Synapse, Evolve, and Tabapay yet again. Things have devolved on BaaS Island from Lord of the Flies to a straight-up Battle Royale. Can anyone manage to make sense of Synapse’s ledger? The guys do their best to tally up all of the financial damage the bankrupt company

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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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175 results

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