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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

59:07

Not Fintech Investment Advice: EtherFi, Lunos AI,...

Fintech Takes ·

2025/10/15

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I do what we do best: talk about fintech startups we’re absolutely not giving investment advice on.First up is EtherFi Cash, a DeFi-native credit card (from Ether.fi) that flips banking math. You load stablecoins onto the card as collateral. From there, you can either spend them directly or lock them up to borrow cash against them (earning interest on the coins you park, while borrowing at a lower rate). It’s non-custodial,

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50:37

Fintech Takes x Pipe presents Vertical SaaS: Fintech...

Fintech Takes ·

2025/10/13

Welcome back to our new miniseries Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. In episode 4, we attempt to tackle the age-old question: build, buy, or partner? Hosts Alex Johnson and Luke Voiles (CEO of Pipe) sit down with A.J. Axelrod, VP Payments & Financial Services at Clio) to explore how Clio’s uniquely designed to handle the unique complexities that lawyers face every day. Clio is a vSaaS operating system for lawyers, and A.J. (extremely)

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34:06

Fintech Takes: Gambling is the Biggest Threat to...

Fintech Takes ·

2025/10/08

Welcome back to Fintech Takes. Listeners may remember my first audiobook experiment…well, we’re back, by popular demand! In our second ever Fintech Takes audiobook podcast episode, I take on the subject I can’t stop writing, thinking, and podcasting about (if you know, you know): gambling. In March, I published my deep dive essay on The Biggest Threat to Consumers’ Financial Health, which is gambling. In the piece, I also explored how the rise of what I’ve previously called

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57:54

Fintech Takes x Pipe presents Vertical SaaS: Fintech...

Fintech Takes ·

2025/10/06

Welcome back to our new miniseries Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. In episode 3, we dig even deeper into the fintech strategy behind embedded finance within vertical SaaS (platforms that are the IDEAL distribution channel for B2B financial products). But how does the process of embedding financial products within vertical SaaS platforms actually work? How should these platforms define their fintech strategy, sequence their roadmap,

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65:22

Fintech Recap: Plaid Pays Chase, FBI Circles BaaS,...

Fintech Takes ·

2025/10/01

Welcome back to Fintech Takes. I’m Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula. First up: the uneasy détente in open banking is over. Jason and I haven’t had a chance to debrief on Plaid’s deal with JPMorgan Chase to pay for API access (so we do). Payments use cases remain the most expensive, Plaid is eating the fees (at least for now), and Chase looks like it’s succeeded in hobbling Pay by Bank. We unpack why Plaid did the deal, what it means for other

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45:49

FT x Nova Credit Fintech Takes x Nova Credit Presents...

Fintech Takes ·

2025/09/30

Hello, and thanks for joining us for the fourth and final episode of Cash Flow Conversations, a new miniseries sponsored by Nova Credit. In episode 4, I sit down with Chris Hansen, GM, Cash Atlas Solutions at Nova Credit. Chris has probably thought more than anyone I know about how cash flow data is going to reshape the credit data and analytics ecosystem. Our conversation hinges on a big question: what could a credit bureau built around consumer-permissioned cash flow data look

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41:22

Fintech Takes x Nova Credit Presents Cash Flow...

Fintech Takes ·

2025/09/30

Hello, and welcome back to Cash Flow Conversations, a new miniseries sponsored by Nova Credit. Episode 3 is my conversation with Matt Zalubowski, Chief Commercial Officer and Chief Marketing Officer at Atlanticus, a subprime lender focused on offering credit cards and personal loans. The challenge in this market is finding more ways to fairly and responsibly say YES. Cash flow data is proving to be a natural fit, driving about a 15% lift on top of traditional bureau data while widening the

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45:52

Fintech Takes x Pipe presents Vertical SaaS: Fintech...

Fintech Takes ·

2025/09/29

Welcome back to our new miniseries, Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe.Vertical SaaS platforms are experiencing major growth; they’ve become the operating system for every industry (with financial products and services baked right into workflows that SMBs already live in every day). Vertical SaaS wins because no one knows the customer better—every product decision flows from that insight. That’s it. That’s the secret. In Episode 2, Alex

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44:14

Fintech Takes x Nova Credit Presents Cash Flow...

Fintech Takes ·

2025/09/26

Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We’re exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle. It’s risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk. So, how can we de-risk big change? And how can we design experiments to surface unknowns

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35:55

Fintech Takes x Nova Credit Presents Cash Flow...

Fintech Takes ·

2025/09/26

Hello, and welcome to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. If you’ve followed my work, you’ll know that I’m obsessed with cash flow data (and underwriting more specifically). That’s because it has enormous potential to positively reshape consumer lending in the U.S. As banks, credit unions, and fintechs move from theory to practice, this series will chronicle how cash flow data is being put to work across the lending lifecycle. Episode 1 sets the tone

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53:38

Startup Truths and Reality Checks

Fintech Takes ·

2025/09/24

Welcome back to the Fintech Takes podcast. I’m Alex Johnson, joined by David Roos, Partner at Core Innovation Capital — an early-stage fintech investor (founded in 2010) that backs scalable businesses built to drive financial inclusion for low- and middle-income consumers. We dig into how Core really sizes up founders and business models, what’s shifted since the 2021 boom-and-bust, and how open banking and AI are reshaping incentives. Highlights include: How the venture market split

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55:55

Fintech Takes x Pipe presents Vertical SaaS: Fintech...

Fintech Takes ·

2025/09/22

Welcome to our new miniseries, Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. This six-part miniseries explores how Vertical SaaS (vSaaS) platforms are becoming the operating systems for every industry. They’re experiencing tremendous growth because they solve the challenges unique to SMB owners. Increasingly, those challenges are met by embedding financial products and services directly into the workflows SMBs rely on every day. In each episode, hosts

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57:38

Not Fintech Investment Advice: Welcome Tech, Bumper,...

Fintech Takes ·

2025/09/17

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I riff about fintech companies we’re absolutely not giving investment advice on. (Speaking of Simon, he’s got a new day job: he’s joining Tempo, a payments-first blockchain incubated by Stripe and Paradigm. Will this lead to spicier payment takes? We shall see!)We kick things off with Welcome Tech, an operating system for immigrants. It’s US-based, all-in-one: education, job placement, embedded healthcare (telemed, dental,

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45:22

Fintech Takes x SOLO Presents Source of Truth Episode...

Fintech Takes ·

2025/09/12

We’re at the finish line of Source of Truth, the new podcast miniseries from Fintech Takes, sponsored by our friends at SOLO.And much like in a relay race, Eric Woodward (CEO at FinatIQ, who shaped one of the most successful digital payment platforms in the U.S. as the former Group President at Early Warning, the parent of Zelle) is the anchor that’s going to bring us home. In this final episode on information asymmetry in financial services, we zoom out to the system level: who controls

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68:00

Fintech Takes x SOLO Presents Source of Truth Episode...

Fintech Takes ·

2025/09/11

Hello, and welcome back to Source of Truth, a new miniseries sponsored by our friends at SOLO. This series is about information asymmetry; the enemy of financial services. Until now, we’ve focused on theory: the broken data infrastructure we’ve inherited. In Episode 3, we move from theory to reality. I ask four veteran founders and operators: What are the most difficult challenges you face when building and scaling up a consumer or small business lending business? What hard

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90:36

Bank Nerd Corner: OCC vs. States, NBA Moneyball, and...

Fintech Takes ·

2025/09/10

Welcome back to Bank Nerd Corner featuring Kiah Haslett (whose inaugural Fintech Takes Banking newsletter is officially live – subscribe here to stay dangerously informed and entertained). First up: big banks are asking the OCC to write one uniform rulebook that overrides conflicting state rules. We unpack OCC vs the state regulators’ group (CSBS), why it’s harder to cut a Fed master account off from payment rails, and how crypto-related trust charters and 50-state licenses tangle the

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71:52

Fintech Recap: Open Banking, BaaS Island, and GENIUS...

Fintech Takes ·

2025/09/03

Welcome back to Fintech Takes. I’m Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula. First up, the open banking saga continues with a new 13-paged ANPR (Advance Notice of Proposed Rulemaking) that reopens every fight. From whether “representatives” can access your data, if banks can charge cost-recovery fees, how liability hides under “security,” what counts as privacy vs. secondary use, and whether deadlines can be punted at all. With Chevron overturned and Corner Post

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57:23

Fintech Takes x SOLO Presents Source of Truth Episode...

Fintech Takes ·

2025/08/29

Hello, and welcome back to Source of Truth, the new podcast miniseries from Fintech Takes, sponsored by our friends at SOLO.This series is about information asymmetry (the enemy of financial services; especially lending). In Episode, we tackled truth vs. trust. And in Episode 2, we explore history vs. overconfidence, which goes something like this: In 1995, Fannie Mae and Freddie Mac effectively mandated the use of FICO scores in mortgage underwriting. Almost overnight, credit scores went

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52:44

Fintech Takes x SOLO Presents Source of Truth. Ep 1:...

Fintech Takes ·

2025/08/28

Hello, and welcome to Source of Truth, a new podcast miniseries from Fintech Takes, sponsored by our friends at SOLO. This series is about information asymmetry (which is *the* enemy in financial services — especially in lending). Information asymmetry (the gap between what the customer knows and what the financial service provider knows) explains most inefficiencies. It’s the reason why qualified applicants get declined for loans or approved for loans at rates much higher than they should

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76:19

Bank Nerd Corner: CFPB’s Flip, Crypto’s Endgame, and...

Fintech Takes ·

2025/08/27

Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes! That’s right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest). Kiah’s podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you’re listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription). Now, onto

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173 results

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