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Fintech Takes

Fintech Takes

Auteur(s): Alex Johnson
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 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 developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future. From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe. Subscribe now to join fintech’s nerdiest podcast around!Copyright 2025 Alex Johnson Finances personnelles Politique Économie
Épisodes
  • Fintech Takes x SOLO Presents Source of Truth Episode 3: Hard Lessons Learned from the Trenches

    Fintech Takes x SOLO Presents Source of Truth Episode 3: Hard Lessons Learned from the Trenches
    Sep 11 2025
    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 lessons can be learned from overcoming or in some cases failing to overcome those challenges? And what do those hard lessons tell us about the future of lending and data infrastructure in the U.S.? These conversations are short but illuminating: expect war stories from the early days of well-known fintechs, insights and creative ideas for scaling up in our heavily regulated industry, and candid admissions about the problems they still haven’t cracked (and why). Guests (in order of appearance):  Luke Voiles: CEO of Pipe; longtime SMB lending operator & executive Rob Frohwein: Co-founder and former CEO of Kabbage Jill Sheckman: former Global Chief Credit Risk Officer at PayPal; longtime credit risk executive at AmEx Brian Hamilton: Co-founder and former CEO of ONE; President at Coastal Episode 3 is your field guide to the real constraints operators face — and the data standards and product choices that actually moved loss curves, conversion, and access. Don’t forget to subscribe and catch more insights in upcoming episodes of Source of Truth! This miniseries is brought to you by SOLO. SOLO resolves and connects customer data across silos — so teams stop rekeying the same customer info for the hundredth time and finally move forward. Break the cycle at SOLO.one - That’s SOLO dot o-n-e. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson   Follow Luke: https://www.linkedin.com/in/luke-voiles/ Follow Rob: https://www.linkedin.com/in/frohwein/ Follow Jill: https://www.linkedin.com/in/jillzuckersheckman Follow Brian: https://www.linkedin.com/in/bthamilton/ Learn more about SOLO here.
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    1 h et 8 min
  • Bank Nerd Corner: OCC vs. States, NBA Moneyball, and Tokenized Deposits

    Bank Nerd Corner: OCC vs. States, NBA Moneyball, and Tokenized Deposits
    Sep 10 2025
    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 map. Next: a fintech fraud story is embedded within the Aspiration x Kawhi Leonard saga. A bankruptcy filing lists an LLC tied to Kawhi getting a reported $24M in cash for little or no work plus $20M in equity, while Clippers owner Steve Ballmer had invested in Aspiration a year earlier (definitely an awkward look under the NBA’s salary cap). And since we’re already in fraud-land, a quick detour to Lisa Cook: the administration’s attempt to remove a Fed governor over alleged mortgage fraud, an FHFA records sweep of old mortgage files, what counts as “cause,” and why markets barely blinked. And finally: hear Kiah ruminate on tokenized deposits (think regular bank dollars recorded on a blockchain). Banks pitch them for big-company payments and shared visibility; Kiah asks if that’s better than today’s rails or just a faster path for scammers. We separate practical plumbing from analyst bait and who should actually care. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson
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    1 h et 31 min
  • Fintech Recap: Open Banking, BaaS Island, and GENIUS Act Updates

    Fintech Recap: Open Banking, BaaS Island, and GENIUS Act Updates
    Sep 3 2025
    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 wiping out time limits, every rule is now a lawsuit waiting to happen (even Visa has suddenly decided U.S. open banking isn’t worth the headache). From there we head to our old friend BaaS Island, where Synapse’s implosion has left customers stranded. The CFPB’s novel UDAP claim and a symbolic $1 penalty may unlock redress, but only after years (while distressed-debt investors eye Evolve and Mercury). And then it’s on to Congress’s GENIUS Act, which hands stablecoins their first federal framework but also plenty of landmines. We discuss winners and losers, why Section 16(d) supercharges state preemption, and how Wyoming’s state “token” exploits the gap. Plus, in our Can’t Let It Go corner, it’s finance-as-casino: Chamath’s new American Exceptionalism Acquisition Corp SPAC, Robinhood suing Nevada and New Jersey to push prediction markets, and a Polymarket bettor who called Taylor’s engagement early and banked about $3,500 (the kind of thing that’d be called insider trading anywhere else!). Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/ Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson
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    1 h et 12 min
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