Shows
Fintech Business WeeklyInterview: BILL's Mary Kay BowmanListen on Spotify | Listen on Apple PodcastsHey all, Jason here.In this episode, I had the chance to talk with Executive Vice President and General Manager of Payments and Financial Services at BILL’s Mary Kay Bowman. Mary Kay’s career has spanned roles at Amazon, Square, Visa, and now financial operations platform BILL. We had a chance to discuss:* BILL’s evolution from accounts payable and receivable tools, to cashflow insights and forecasting, to the wide breadth of capabilities it offers today* Why so many businesses still use checks (really...2025-06-2545 minFintech Business PodcastInterview: BILL's Mary Kay BowmanListen on Spotify | Listen on Apple PodcastsHey all, Jason here.In this episode, I had the chance to talk with Executive Vice President and General Manager of Payments and Financial Services at BILL’s Mary Kay Bowman. Mary Kay’s career has spanned roles at Amazon, Square, Visa, and now financial operations platform BILL. We had a chance to discuss:* BILL’s evolution from accounts payable and receivable tools, to cashflow insights and forecasting, to the wide breadth of capabilities it offers today* Why so many businesses still use checks (really...2025-06-2545 min
Payments Pros – The Payments Law PodcastPayments Medley: Navigating Trends in Payments With Jason MikulaIn this episode of Payments Pros, host Carlin McCrory welcomes Jason Mikula, a seasoned fintech and banking advisor, to explore various topics within the payments industry. They begin by examining the implications of U.S. sanctions on global payment systems and the potential shift away from U.S.-controlled payment rails. The discussion then moves to the viability of pay-by-bank systems in the U.S., focusing on the challenges posed by entrenched card payment behaviors.Carlin and Jason further discuss the sustainability of nonbank fintech businesses that rely solely on interchange fees, highlighting the necessity for diversified...2025-05-0738 min
Fintech Business WeeklyFintech Recap: Increase CEO Wants To Buy A BankIn this episode, Alex and I discussed:* Alex’s trip to BaaS Island: the founder/CEO of Increase seeking approval to acquire a controlling stake in a bank & the Hatch Bank’s consent order with the California DFPI* Ryan Breslow’s return to one-click checkout / “super app” Bolt* Crypto firms seeking bank charters* And, as always, what Alex and Jason just can’t let go of Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2025-05-0754 min
Fintech One•On•OneJason Mikula of Fintech Business Weekly on the development of banking-as-a-serviceIn the last year I don't think there is any area of fintech that has received more attention than the Banking-as-a-Service (BaaS) space. And it is not just the Synapse debacle, it is all the consent orders that have come out of the bank regulators. We have a banking system that pretty much demands that fintech companies partner with banks and we are still yet to figure out what the optimal business model is here.My next guest on the Fintech One-on-One podcast is Jason Mikula, the publisher of Fintech Business Weekly and the Head of Industry...2025-03-0743 min
Fintech Business WeeklyFintech Recap: Regulatory RemixIn this episode, Alex Johnson and I discuss:* The chaos in DC. What might in mean for banking, fintech & consumers?* Varo Bank struggles on, with a new CEO and some additional capital.* A grab bag of BNPL topics.* And, as always, what Alex and Jason just can’t let go of. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2025-03-051h 12
Fintech Business WeeklyFintech Recap: Live From Salt Lake CityHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.We recorded this ~very special episode~ live during the Fintech XChange event in Salt Lake City, Utah, late last month — and were joined by Alloy Labs Alliance CEO Jason Henrichs (the more Jasons the merrier!). We had the chance to talk about:* Revelations that the Department of Justice is investigating the Synapse ca...2025-02-0526 min
Fintech Business WeeklyFintech Recap: Chime IPO, CFPB Sues Walmart & Branch, CBW's CMPThis month, Alex and I had the chance to talk about:* CBW Bank’s fights a $20.5 million civil money penalty that could “imperil” the bank’s existence* Will the IPO window open in 2025? Chime confidentially files to go public.* The CPFB’s parting shots: the bureau files suit against Walmart & Branch (but not partner Evolve Bank & Trust)* And, as always, what Alex & Jason just can’t let go of Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2025-01-081h 02
Fintech Business WeeklyFintech Recap: Takeaways From A Week in DCAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap. This month we had the chance to talk about:* Our time in Washington, DC, to attend the American Fintech Council Policy Summit, FinRegLab’s AI Symposium, and a variety of other meetings* What’s been happening on “BaaS Island,” with the Synapse bankruptcy moving into its next phase as depositors are left wondering when — or if — they’ll ever be made whole* The CFPB’s rule defining larger participant in the digital w...2024-12-051h 00
Fintech Business WeeklyFintech Recap: Return to BaaS Island As FDIC Proposes "Synapse Rule"Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month we had the chance to talk about:* A return to BaaS Island: the FDIC’s proposed “Synapse Rule,” Five Star Bank quits BaaS, and the evolving (ha) economics of partner banks* The CFPB accepts comments on FDX as standard-setting organization for 1033 open banking* Department of Justice sues Visa, alleging it has used antico...2024-10-0448 min
FinWise EYE ON:An Equity Investor Guide to Fintech Banking: Insights with industry expert, Jason MikulaIn this episode of the FinWise EYE ON: podcast, host Juan Arias our Head of Corporate Development & Investor Relations, sits down with Jason Mikula, an authority in the fintech banking industry and head of industry strategy for banking and fintech at Taktile. An insightful discussion for equity investors and industry participants to help them understand the current state of the fintech-banking partnership industry, the evolution of technology in banking, regulatory challenges, and the differentiation between fintechs and traditional banking institutions. Jason shares his insights on recent regulatory actions, compliance investment, the broader impacts of fintech in the financial sector, an...2024-09-3033 min
Fintech Business WeeklyFintech Recap: Klarna Balance, Affirm Earnings & Apple Opens NFC (Sort Of)Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month we had the chance to talk about:* The launch of Klarna’s bank account gift card* Affirm’s killer earnings* Are niche neobanks back?* Apple opening up NFC (sort of)* And, as always, what Alex and Jason just can’t let go ofAlso, if you’re atten...2024-09-0656 min
FinWise EYE ON:The Rise, Stumble, and Forward Go of Fintech - Jason MikulaIn this episode, Robert Keil and Jason Mikula discuss the state of Fintech and the impact it has had on the banking industry. They explore the successes and challenges of Fintech companies, particularly in the areas of consumer banking and lending. They also discuss the role of traditional banks in partnering with Fintechs and the potential for innovation and disruption in the industry.
The conversation highlights the need for continued improvement in areas such as regulatory compliance, customer service, and the management of complex technology ecosystems. The conversation explores the challenges and risks of new banking business...2024-08-0758 min
Fintech Business WeeklyFintech Recap: Mercury Cleans HouseAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month we had the chance to talk about:* Mercury, which partners with Evolve Bank & Trust and Choice Bank, informed users based in or with ties to certain countries, including Ukraine and Nigeria, that it would close their accounts — what’s happening and how Mercury is handling it* Bank regulators’ request for information on bank-fintech partnerships offers...2024-08-071h 13
Fintech Balancing Act: Risk, Growth & Regulation - Jason Mikula, Founder of Fintech Business Weekly
In this episode, we get an insider look into the financial technology landscape with Jason Mikula. Jason shares his journey, from his unexpected entry into financial services and digital marketing to launching the publication Fintech Business Weekly. He emphasizes the importance of understanding customer acquisition metrics and analyzes the evolution of fintech innovations like online lending, BNPL, Banking as a Service, etc.
We delve into the mechanics of Banking as a Service (BaaS) and the complex relationships between fintechs, middleware platforms, and banks. Jason is currently in the middle of reporting on news as it...2024-07-3152 min
Fintech Business PodcastBalancing Growth With Risk In The Post-ZIRP EraFrank Rotman of QED, Jason Henrichs of Alloy Labs, and I discussed “Balancing Growth With Risk In The Post-ZIRP Era,” including touching on:* How the extended low-interest rate environment impacted venture capital and fintech* How the evolving regulatory climate is shaping fintechs’ and banks’ risk appetite and strategies* What the next 12 months will look like* And more!Regular programming will resume next Sunday, August 4th.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday:2024-07-2834 minFintech Business WeeklyBalancing Growth With Risk In The Post-ZIRP EraFrank Rotman of QED, Jason Henrichs of Alloy Labs, and I discussed “Balancing Growth With Risk In The Post-ZIRP Era,” including touching on:* How the extended low-interest rate environment impacted venture capital and fintech* How the evolving regulatory climate is shaping fintechs’ and banks’ risk appetite and strategies* What the next 12 months will look like* And more!Regular programming will resume next Sunday, August 4th.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday:2024-07-2834 min
Fintech Business WeeklyFintech Recap: Pirates Invade BaaS IslandThis month Alex Johnson and I had the chance to talk about:* Jason’s special news: I wrote a book! The book, Banking as a Service: Opportunities, Challenges and Risks of New Banking Business Models, will be available toward the end of the year — but you can preorder now, and if you order directly from the publisher here and use promo code “BAASISLAND,” you get 20% off!* Pirates invade BaaS island: Evolve Bank & Trust, partner to dozens of fintech programs, hacked by Russian ransomware group LockBit* Elsewhere in BaaS news: Thread’s consent order* App...2024-07-101h 00
TFTC: A Bitcoin Podcast#522: Breaking Down The Synapse Bankruptcy with Jason MikulaMarty sits down with Jason Mikula to discuss fintech, Synapse, Banking as a Service, and the general state of banking.
Jason on Twitter: https://x.com/mikulaja
Jason's Substack: https://fintechbusinessweekly.substack.com/
0:00 - Intro
1:42 - Background on the Synapse case
12:19 - River & Unchained
13:35 - Who is at fault?
20:10 - FBO account structure
24:36 - Impact on end users
30:54 - Gradually, Then Suddenly & Zaprite
32:32 - Unclear resolution and stain on fintech
41:18 - Can small banks compete?
49:46 - SVB and the state of the banking system2024-07-101h 06
Fintech Business PodcastInterview: LoanPro's CEO & Cofounder Rhett RobertsIn this episode, I had the chance to sit down with Rhett Roberts, cofounder and CEO of API-first lending and credit platform LoanPro. Rhett and I had the chance to talk about:* LoanPro’s recent announcement of integrating with Visa DPS (and some background for folks who might not know why that’s important!)* LoanPro’s journey from homegrown software to powering some of the biggest lenders in fintech* How LoanPro helps its customers stay ahead of evolving legal and regulatory issues* How LoanPro structures its organization to ship code quickly...2024-07-0337 min
Fintech Business PodcastInterview: Current's CEO & Cofounder Stuart SoppIn this episode, I had the chance to sit down with Stuart Sopp, CEO and cofounder of Current. Stuart and I had the chance to talk about:* What’s change in fintech and banking since the last time we talked in 2023 (hint: a lot)* Current’s new products and features, including its credit builder card and an EWA-style offering* The challenges of state-by-state licensing and importance of compliance* Balancing the need for growth with profitable unit economics* What’s on the road map for Current* and more! 2024-07-0134 min
Fintech Business PodcastInterview: Nicolas Benady, CEO at Swan (Live At Money2020 Europe)In this episode, I had the chance to sit down with Nicolas Benady, the CEO of French embedded finance platform Swan, live at Money2020 Europe earlier this month. Nicolas and I had the chance to talk about:* embedded finance and banking-as-a-service in Europe vs. the US* what being licensed as an emoney institution enables Swan to do and how it’s different than being or partnering with a bank* why Swan is confident in its ability to effectively oversee its third-party partners* how Swan’s clients leverage its capabilities* and...2024-06-1926 min
The MoneyPotThe MoneyPot LIVE: Fintech Under Scrutiny: The Wirecard Saga with Pav Gill and Jason MikulaWhistleblowers and scandals. What really went on behind the scenes at Wirecard? This episode of The Money Pot, live from the Money 2020 conference in Amsterdam, features an exclusive interview with Pav Gill, the whistleblower who exposed the Wirecard fraud, and journalist Jason Mikula. Listen as we uncover the early warning signs that Pav Gill noticed, including suspicious financial practices and shady backgrounds of key personnel. The conversation takes on a surreal tone, with comparisons to infamous cases like Enron, and even elements straight out of a spy novel. Jason Mikula sheds light on the banking-as-a-service industry and the spectrum...2024-06-1331 min
Fintech Business PodcastInterview: John Stuart, GM of Fintech at Apex Fintech SolutionsIn this episode, I had the chance to sit down with John Stuart, the general manager of fintech and international at Apex Fintech Solutions, an investing and wealth management infrastructure platform. John and I had the chance to talk about:* What the capabilities Apex provides, including custody, clearing, and execution, enable its customers to build* How Apex scaled its platform across 150 countries* What Apex has learned and how its refined its offering over 10+ years in market* Some novel use cases for the infrastructure Apex has built* And more 2024-06-1234 min
Fintech Business PodcastFintech Recap: What Synapse's Collapse Means For BaaS, FintechAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month we had the chance to talk about:* Latest on Synapse bankruptcy and what it may mean for banking-as-a-service & fintech (this episode was recorded May 29th)* Visa’s new “crebit” credential* The CFPB’s interpretative guidance on buy now, pay later* And, as always, what Alex and I just can’t let go of2024-06-0649 min
Fintech Business PodcastInterview: Neepa Patel, Cofounder & CEO of ThemisIn this episode, I had the chance to sit down with Neepa Patel, cofounder and CEO of Themis, a compliance collaboration tool for banks and fintechs, on stage at last month’s Empire Fintech Conference in New York. Neepa and I had the chance to talk about:* What “fintech people” misunderstand about regulators* What fintechs should think about when selecting a bank partner* Whether or not tech is (and should be) a competitive differentiator in banking-as-a-service platforms“Many banks are still utilizing manual controls, processes and even spreadsheets to manage compliance and govern...2024-05-2927 min
Fintech Business PodcastFintech Recap: BaaS Consent Orders, Trade Groups v. Colorado on DIDMCAThis month we had the chance to talk about:* BaaS drama continues, with Piermont and Sutton receiving consent orders* Chime has HOW MANY customers?* Trade groups vs. Colorado on DIDMCA, or, where is an online loan “made”?* Quick takes on the Visa/Mastercard settlement* And, as always, what we just can’t let go ofIf you enjoy listening to this podcast and find value in it, please consider supporting me (and finhealth non-profits!) by signing up for a paid subscription. It wouldn’t be possible to do what...2024-04-1053 min
Fintech Business PodcastInterview: Alloy CEO Tommy NicholasIn this episode, I had the chance to sit down with Tommy Nicholas, CEO of identity risk solutions platform Alloy, a global, end-to-end identity risk solution for banks and fintechs. Tommy and I had the chance to talk about:* factors impacting fraud risk today, including the growth of real-time payments and the dawn of the genAI age* key take aways from Alloy’s 2024 State of Fraud Benchmark Report* the difference between “frictionless” and “seamless” in financial services UX* public and private efforts to create digital identity solutions* what’s on Tommy’s r...2024-03-2045 min
Fintech Business PodcastInterview: CapStack's Michal CieplinskiIn this episode, I spoke with Michal Cieplinski, founder and CEO at CapStack.CapStack is the first integrated operating system for banks enabling cooperation across banks and other financial services institutions in order to drive profitability and asset diversification. Michal and I had a chance to talk about:* The importance and challenges of asset/liability management for banks* The risks that come from asset, geographic, and sectoral concentration, especially with current concerns around commercial real estate* How CapStack can help banks mitigate these risks* Moving from manual, Excel-and-email-based processes...2024-02-2141 min
Fintech Business WeeklyFintech Recap: BaaS Enforcement Action FalloutThis month, Alex and I had the chance to talk about:* Another trip to “BaaS Island” to discuss Blue Ridge & Choice Bank enforcement actions amid the ongoing regulatory sweep of banking-as-a-service* Buy now, pay later expansion strategies: subscription plans? Savings accounts? What is more or less likely to work and why.* PayPal’s attempt to “shock” the world falls flat* Alex tries to explain Bilt Rewards to me* And, as always, what Alex and Jason just can’t let go of. Get full access to Fintech Business Wee...2024-02-0753 min
Fintech Business WeeklyFintech Recap: Evolving Authorized Push Payment Fraud Reimbursement RulesAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Changing dynamics in reimbursement rules for victims of authorized push payment fraud.* Revolut’s claims that is growing quickly and a UK bank license is imminent.* The next fintech trend: unlocking benefits of tax-advantage accounts. Are these companies, or features?* Alex’s favorite topi...2024-01-1056 min
Fintech Business PodcastInterview: Fintech Meetup's Jon LearIn this episode, I spoke with Jon Lear, President and cofounder of Fintech Meetup, taking place in Las Vegas March 3-6, 2024 (learn more and get your tickets here.) We had the chance to discuss:* the crazy year in fintech and banking that was 2023* looking for silver linings in a challenging operating and fundraising environment* what’s in store for 2024* key themes and topics for next year’s Fintech Meetup event* and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2023-12-0629 min
Fintech Business WeeklyFintech Recap: The Growing Fintech ReckoningThis month, Alex Johnson and I had the chance to talk about:* the growing “fintech reckoning,” especially among consumer fintechs, with reports of possible shutdowns, sales, and pivots for companies like HMBradley, Petal, Apple/Goldman Sachs, Mint, Braid, Catch, and many others you probably haven’t even heard of* Alex’s favorite topic, credit builder products: including Tomo’s perplexing offering, Region’s partnership with Self, and the wider product space* as well as a quick discussion of the Fed’s proposed lowering of the Durbin interchange cap and Plaid’s decision to create a consume...2023-11-2955 min
Fintech Business PodcastInterview: Lease-to-Own Startup Kafene's Neal DesaiIn this episode, I spoke with Neal Desai, CEO of lease-to-own startup Kafene. We had the chance to discuss:* Kafene’s recently announced Series B extension* The impact of an uncertain economic environment on Kafene’s business* Regulatory activity in the lease-to-own space* Where Kafene is heading in 2024* and much, much more!Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday: Get full access to Fintech Business Weekly at fintechbusinessweekly.subs...2023-10-1733 min
Fintech Business PodcastInterview: 11FS CEO David BrearHey all, Jason here.In this episode, I spoke with David Brear, CEO of challenger banking and fintech consultancy 11FS. We had the chance to discuss:* The origin story of 11FS, including its “Pulse” and “Foundry” offerings* Some of the most interesting client projects David has worked on* How David and 11FS think about creating stand-out content in an extremely crowded information space* Where David thinks banking and fintech are headed in 2024* and much, much more!Existing subscriber? Please consider supporting this newsletter by upgrading to a pai...2023-10-1147 minFintech Business WeeklyInterview: 11FS CEO David BrearHey all, Jason here.In this episode, I spoke with David Brear, CEO of challenger banking and fintech consultancy 11FS. We had the chance to discuss:* The origin story of 11FS, including its “Pulse” and “Foundry” offerings* Some of the most interesting client projects David has worked on* How David and 11FS think about creating stand-out content in an extremely crowded information space* Where David thinks banking and fintech are headed in 2024* and much, much more!Existing subscriber? Please consider supporting this newsletter by upgrading to a pai...2023-10-1147 min
Fintech Business WeeklyFintech Recap: With Special Guest Matthew GoldmanThis month, we were joined by special guest Matthew Goldman, card expert and author of CardsFTW, to talk about:* A grab bag of banking-as-a-service topics, including the situation at Solid, Stripe and Goldman’s partnership, and where things may be headed in 2024* Mastercard’s letter clapping back at reporting it plans to hike rates* Varo’s launch of “Varo to Anyone,” a P2P service that enables Varo users to send money to any US debit card* and, as always, what Alex and Jason just can’t let go of Get...2023-10-0449 min
Fintech Business WeeklyFintech Recap: Current's Credit Builder, Plaid's Payroll API PartnersThis month, Alex Johnson and I had the chance to talk about:* Current launched a credit-building secured charge card. While it features a neat bit of engineering, it may face some of the same limitations and challenges of other offerings in the space.* Plaid announces (well, sort of?) payroll API partnerships with Pinwheel and Atomic — what to make of the news?* Lineage Bank’s rapid, BaaS-powered growth may be a cautionary tale; Fed warns Goldman on BaaS compliance risks* Roger, a neobank for military recruits, launches* and, as always, what...2023-09-0648 min
Fintech Business WeeklyFintech Recap: Mastercard Says "No" To DrugsAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* FedNow finally launched — now what?* Block sues Visa and Mastercard over interchange rates, Visa CEO bashes merchant surcharges, and “Durbin 2.0”* Mastercard tells payment processors to cease working with cannabis merchants* Worldcoin, Sam Altman’s vaguely dystopian global ID/crypto project, goes live* And...2023-08-0948 min
Fintech Business PodcastInterview: Wave CEO Zahir KhojaIn this episode, I spoke with one-stop money management platform for small businesses Wave’s CEO, Zahir Khoja. We had the chance to discuss:* Zahir’s fascinating background, including working in Afghanistan and for Grameen Foundation* Wave’s capabilities and target segments* How the company thinks about buy vs. build vs. partner & its pricing and cross-sell strategy* The importance of human advice for important decisions* and more!If you’re interested in learning more about or entering the contest that Zahir mentioned in our conversation, you can do so he...2023-08-0241 min
Fintech Business PodcastInterview: Public Co-CEO Leif AbrahamThe last several years have seen quite the rollercoaster of investment-related trends: meme stonks, SPACs, crypto, and now… Treasuries? Another emerging trend: generative AI. In this episode, I had the chance to sit down with investing app Public’s co-CEO Leif Abraham to talk about all of that and more, including:* How AI for investing is and isn’t different than previous trends like PFMs and roboadvisors* How Public got comfortable deploying user-facing AI capabilities* Why Public ended payment for order flow (PFOF) and decided to accept “tips”* How Public stands out in a c...2023-07-1339 min
Fintech Business WeeklyFintech Recap: Fraud Consortiums Are So Hot Right NowHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are back! Congrats to Alex on the new addition to his family.We’re happy to bring you the latest episode of our monthly(ish) podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Goldman’s shrinking consumer ambitions, amid rumors it is in talks with American Express to take over its Apple partnership* Fraud consortiums are SO on tren...2023-07-1248 min
Fintech Business WeeklyInterview: Cable Cofounder & CEO Natasha VernierHey all, Jason here.This Sunday’s note is coming to you from Hilvarenbeek, in the south of the Netherlands, where I’m camping and attending a music festival.During last week’s Money2020, I had the chance to sit down with compliance tech startup Cable’s cofounder and CEO Natasha Vernier. If the company sounds familiar, that’s probably because her cofounder and I recently gave a “Masterclass” together during New York Fintech Week.Natasha and I had the chance to chat about:* Natasha’s journey building and scaling the financial crime...2023-06-1134 minFintech Business PodcastInterview: Cable Cofounder & CEO Natasha VernierHey all, Jason here.This Sunday’s note is coming to you from Hilvarenbeek, in the south of the Netherlands, where I’m camping and attending a music festival.During last week’s Money2020, I had the chance to sit down with compliance tech startup Cable’s cofounder and CEO Natasha Vernier. If the company sounds familiar, that’s probably because her cofounder and I recently gave a “Masterclass” together during New York Fintech Week.Natasha and I had the chance to chat about:* Natasha’s journey building and scaling the financial crime...2023-06-1134 min
Fintech Business PodcastInterview: Klarna's Chief Commercial Officer David SykesI know it’s hard to remember now, but there was a time when BNPL — buy now, pay later — felt like the bleeding edge of consumer fintech (even if point-of-sale financing has been around for literally generations!)It has been a wild ride for market leader Klarna, which is rather unique in the space: it was founded in 2005, it is a bank in Europe, and it has historically been profitable.Klarna’s Chief Commercial Officer and former head of the US business David Sykes joined to discuss all that and more, including:* If Klarna t...2023-06-0740 min
Fintech Business WeeklySix Key Developments in BaaS & How to Use Tech to RespondHey all, Jason here.I recently partnered with Cable’s Chief Product Officer Katie Savitz to present a Masterclass at the Empire Fintech Conference during NY Fintech Week. We profiled six recent developments impacting Banking-as-a-Service and how stakeholders can use technology to respond.If you weren’t able to attend (or just need a refresher!), this podcast/post combo is for you!(And extra great timing, as Cable today announced it raised an $11M Series A to automate effectiveness testing of financial crime controls!)Six Key Developments in Banking-as-a-ServiceThe...2023-05-1123 minFintech Business PodcastSix Key Developments in BaaS & How to Use Tech to RespondHey all, Jason here.I recently partnered with Cable’s Chief Product Officer Katie Savitz to present a Masterclass at the Empire Fintech Conference during NY Fintech Week. We profiled six recent developments impacting Banking-as-a-Service and how stakeholders can use technology to respond.If you weren’t able to attend (or just need a refresher!), this podcast/post combo is for you!(And extra great timing, as Cable today announced it raised an $11M Series A to automate effectiveness testing of financial crime controls!)Six Key Developments in Banking-as-a-ServiceThe...2023-05-1123 min
Fintech Business WeeklyWhat's Next for Banking-as-a-Service? LIVE from NY Fintech WeekHey all, Jason here.Weren’t in New York or couldn’t make it to this event at Barclays Rise during New York Fintech Week? You’re in luck!For this panel discussion tackling the question, What Next for BaaS?, I was joined by:* Amanda Swoverland, Chief Compliance Officer at Unit* Walt Cox, Head of Partner Banking at Valley Bank* Neepa Patel, founder/CEO at Themis* and Nick Farrow, Head of Bank Partnerships at Modern TreasuryWe discussed:* how to define “banking-as-a-service”* how ba...2023-05-0942 minFintech Business PodcastWhat's Next for Banking-as-a-Service? LIVE from NY Fintech WeekHey all, Jason here.Weren’t in New York or couldn’t make it to this event at Barclays Rise during New York Fintech Week? You’re in luck!For this panel discussion tackling the question, What Next for BaaS?, I was joined by:* Amanda Swoverland, Chief Compliance Officer at Unit* Walt Cox, Head of Partner Banking at Valley Bank* Neepa Patel, founder/CEO at Themis* and Nick Farrow, Head of Bank Partnerships at Modern TreasuryWe discussed:* how to define “banking-as-a-service”* how ba...2023-05-0942 min
Fintech Business PodcastInterview: Stuart Sopp, Founder & CEO of CurrentHey all, Jason here.Well, there was no shortage of late-breaking news on Friday — like the Fed’s report on SVB’s failure, the FDIC’s report on its supervision of Signature, and what appears to be the collapse of troubled First Republic Bank.Given you’ll have no shortage of content covering those developments (and to give me time to read all of them and develop an informed opinion), I’m bringing you something else entirely this Sunday morning.While in New York for NY Fintech Week, I had the chance to sit down wit...2023-04-3032 minFintech Business WeeklyInterview: Stuart Sopp, Founder & CEO of CurrentHey all, Jason here.Well, there was no shortage of late-breaking news on Friday — like the Fed’s report on SVB’s failure, the FDIC’s report on its supervision of Signature, and what appears to be the collapse of troubled First Republic Bank.Given you’ll have no shortage of content covering those developments (and to give me time to read all of them and develop an informed opinion), I’m bringing you something else entirely this Sunday morning.While in New York for NY Fintech Week, I had the chance to sit down wit...2023-04-3032 min
Fintech Business WeeklyFintech Recap: Apple Savings, bunq's De Novo, Plaid RTPAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* In case you didn’t hear… Apple launched a high-yield savings feature!* Dutch neobank Dutch, profitable in European market, applies for a US charter* Plaid offers “Instant Payouts” through TCH RTP integration* as always, what Jason & Alex just can’t let go of* and...2023-04-2651 min
Fintech Business PodcastInterview: Jesse Silverman, ex-CFPB & Connecticut Dept. of BankingWelcome back to Fintech Business Podcast. In this episode, I talk to Jesse Silverman, formerly an attorney at the Connecticut Department of Banking and the Consumer Financial Protection Bureau, before working in legal roles at fintechs like LendUp, Steady, Nuula, and his present role at payments platform Highline.We had a chance to talk about:* Our time working together at failed startup LendUp, what we learned, and lessons other companies should take away from it* Why regulators always seem to be trailing behind innovation in financial services* Whether or not fintech...2023-04-1238 min
Fintech Business WeeklyFintech Recap: Live from Fintech Meetup in Las VegasHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you a very special episode of Fintech Recap — live from Fintech Meetup in Las Vegas. We were joined by Jon Lear, President & co-founder of the event.We had the chance to discuss:* Key takeaways & what we heard around the conference* Yes, SVB — I know everyone’s tired of discussing it, but we had to!* EU BaaS companies also facing regulatory scrutiny* Cash App’s “World”wide ambitions* and, what Al...2023-03-3055 min
Fintech Business PodcastInterview: Shmulik Fishman, CEO & Founder at ArgyleIn this episode, I talk to Shmulik Fishman, the founder and CEO at Argyle. Argyle provides payroll connectivity infrastructure that powers solutions like income & employment verification, deposit switching, payroll-linked lending and earned wage access.We had a chance to talk about:* Top take aways from last week’s Fintech Meetup conference in Las Vegas* Thinking through the fallout from SVB, Signature, First Republic & more* How payroll data and connectivity can improve lenders’ ability to underwrite* The differences (and similarities) between “open banking” and payroll connectivity* The opportunity from ach...2023-03-2836 min
Fintech Business PodcastInterview: Alex Baydin, PerformLine's Founder & CEOIn this episode, I talk to Alex Baydin, founder and CEO of PerformLine, a platform for regulatory and compliance monitoring for brand marketing.We had a chance to talk about:* The complexity of managing marketing compliance in today’s digital advertising ecosystem* Managing workflows and communication in fintech/Banking-as-a-Service relationships* Key takeaways from analyzing millions of CFPB complaints* What Alex is keeping an eye from a regulatory perspective this year* and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2023-03-1641 min
Fintech Layer Cake2023 Fintech Trends with Alex Johnson and Jason MikulaReggie Young and Matt Janiga interview Alex Johnson, creator of the newsletter Fintech Takes, and Jason Mikula, writer of Fintech Business Weekly. Alex and Jason talk about CFPB regulations, fintech competition, and customer choice.2023-03-091h 02
Fintech Business WeeklyFintech Recap: Affirm And The Terrible, Horrible, No Good, Very Bad Quarterly Earnings ReportThis month, we had the chance to talk about:* It’s quarterly earnings season and it’s been brutal for some companies. Alex and I unpack Affirm’s rough quarterly earnings report.* Apple is getting ready to launch Apple Pay Later. What we know and what we’ll be watching for when it’s live.* Regulators across the banking and securities spectrum have ramped up their attention to crypto. Is this the industry’s “Dodd-Frank moment”?* and what Alex & Jason just can’t let go of!Existing subscriber? Please consider supportin...2023-03-0151 min
Fintech Business PodcastInterview: Kurt Lin, Pinwheel's Cofounder & CEOIn this episode, I talk to Kurt Lin, cofounder & CEO of Pinwheel, a fintech infrastructure company that enables startups and banks to make sense of real time income and employment data.We had a chance to talk about:* Where the “Plaid for payroll data” analogy breaks down* The greater complexity of the payroll and employment data vs. bank account data* Opportunities and risks for integrating payroll and employment in underwriting and managing credit* Evolving macroeconomic risks* and more!If you’re interested in sponsoring an episod...2023-02-2237 min
Fintech Business PodcastInterview: Alain Meier, Plaid's Head of IdentityIn this episode, I talk to Alain Meier, the Head of Identity at Plaid. While I imagine most readers/listeners are pretty familiar with Plaid’s core capabilities, the company moved into the identity verification space through its acquisition of Meier’s startup Cognito about a year ago.We had a chance to talk about:* Alain’s experiencing starting and selling Cognito* Use cases for identity verification outside of financial services* Emerging identity tech, like mobile driver’s licenses* The potential and challenge of “self-sovereign” and decentralized identity* and more...2023-02-0843 min
Fintech Business WeeklyFintech Recap: Would You Pay For "Revolut Ultra"?Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Revolut teases a new “Ultra” paid tier — but will people pay for it?* Chime is getting state licenses in a sign it may start lending soon* Robinhood is launching a media business* Capital One eliminates its “agile” job family, lays off 1,100 technologists* and wh...2023-02-0147 min
Fintech Business PodcastInterview: Michael Sindicich, EVP & Head of TripActions LiquidIn this episode, I talk to Michael Sindisitch, EVP & Head of TripActions Liquid, an end-to-end travel, expense, and corporate card solution.We had a chance to talk about:* TripActions recent $300 million equity raise & $400 million credit facility* TripActions unique capabilities vs. others in the travel or expense management spaces* How TripActions thinks about the competitive landscape* TripActions’ experience during COVID and the travel rebound as the pandemic wanes* and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line...2023-01-2532 min
NextGen BankerJason Mikula: Digital Marketer Turned Fintech Thought LeaderJason Mikula started his weekly newsletter, Fintech Business Weekly, as a pandemic project. Today, the financial technology publication is one of the better-known reads in the industry.
Mikula talks with David about his predictions for the future of finance – including thoughts on NFTs, crypto and where these elements of Web3 fit into the financial industry. Banking as a Service is also discussed in addition to fintech’s potential to support financial health among consumers.
Mikula also speaks to his time in the Peace Corps and how he moved from working in digital marketing to the financ...2023-01-1639 minNextGen BankerJason Mikula: Digital Marketer Turned Fintech Thought LeaderJason Mikula started his weekly newsletter, Fintech Business Weekly, as a pandemic project. Today, the financial technology publication is one of the better-known reads in the industry.
Mikula talks with David about his predictions for the future of finance – including thoughts on NFTs, crypto and where these elements of Web3 fit into the financial industry. Banking as a Service is also discussed in addition to fintech’s potential to support financial health among consumers.
Mikula also speaks to his time in the Peace Corps and how he moved from working in digital marketing to the financ...2023-01-1639 min
Fintech Business WeeklyFintech Recap: Goldman Dismantles Marcus, Gen Z Banking, Crypto FalloutAlex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:-Goldman Sachs’ dismantling of Marcus-ZELF & Twig: is this the banking Gen Z wants (or are Alex and Jason just too old to get it?)-Fallout for banks that went all-in on crypto-2023 predictions-and, as always, what Alex & I ju...2023-01-1153 min
Fintech Business PodcastInterview: Scott Sanborn, CEO of LendingClubIn this episode, I talk to Scott Sanborn, CEO of “OG” fintech LendingClub, which made the transition from being a fintech “peer-to-peer” lender to acquiring and becoming a bank.We had a chance to talk about:The factors that drove LendingClub to become a bank; what lessons today’s fintech (and crypto) companies can learn from the challenges LendingClub has navigated; how LendingClub is responding to the changing economic climate; the opportunity and impact of “alternative data,” like cashflow-based underwriting, and novel products, like earned wage access; and more!Special thanks to episode sponsor TripAc...2023-01-0447 min
Fintech Business PodcastInterview: Hristo Borisov, Cofounder & CEO at PayhawkIn this episode, I talk to Hristo Borisov, cofounder and CEO at Payhawk, a spend management solution enabling mid-sized businesses to spend and scale globally.We had a chance to talk about: Payhawk’s strategy to compete in the increasingly crowded expense management space; how Payhawk’s business and revenue models compare to competitors; lessons learned from scaling Payhawk into 32 countries; differences of building for the US market vs. the European market; and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full a...2022-11-1627 min
Fintech Business PodcastPredictions for 2023: Live from Money20/20One last very special podcast from Money20/20. In this live episode, I was joined by David Sinsky, VP of Lending at Unit, Jarad Gilmore, Head of Partnerships at Middesk, Emanuel Pleitez, Head of Business Development at Finix, and Nikhil Sachdev, Managing Director at Insight Partners.In the spirit of Las Vegas and the game night event this was recorded at, we took a gamble on making our best predictions for 2023 on the following topics:How the macroeconomic climate will impact banking and fintechWhat fintech fundraising and valuations will look likeHow Big Techs’ efforts in fintech an...2022-11-1030 min
Fintech Business PodcastInterview: Rex Salisbury, Founder & GP, Cambrian VenturesIn this episode, I talk to Rex Salisbury, Founder and General Partner at Cambrian Ventures.We had a chance to talk about:-becoming an accidental community builder-the backstory of Cambrian Ventures-Rex’s experience at renowned VC firm Andreessen Horowitz-working with founders at the earliest stages-the rise of emerging managers & the “Solo GP”…and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe2022-11-0342 min
Fintech Business WeeklyFintech Recap: The Money20/20 "Precap"Hey all, Jason here.What a week it’s been! This episode marks the one-year anniversary of this podcast. Alex Johnson, creator of the Fintech Takes, and I recorded our first episode live at Money20/20 last year.Unfortunately, Alex got trapped in Montana due to a snowstorm and wasn’t able to join me for this episode.But fintech Twitter came to the rescue. Matt Janiga, GC at Lithic, Charles Potts, Chief Innovation Officer at ICBA, and Julio Gomez, Industry Evangelist at Highnote, were all kind enough to join me to opine on the...2022-10-2836 min
Fintech Business PodcastInterview: Trisha Kothari, Cofounder & CEO of Unit21In this episode, I talk to Trisha Kothari, co-founder and CEO of fraud and AML infrastructure platform Unit21.We had a chance to talk about:* Why breaking data out of silos is key to effective fraud risk management* Unit21’s biggest takeaways from 230+ conversations with fraud and AML professionals* Why enabling fraud professionals to manage models and rules without requiring engineering support is a game changer* How the regulatory environment — including around BaaS — is impacting Unit21’s customers* …and more!If you’re interested in sponsoring a...2022-10-1931 min
Fintech Business WeeklyFintech Recap: Parsing MoneyLion's Legal WoesHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Parsing MoneyLion’s latest legal problems* What the CFPB’s BNPL report means for the industry* Goldman’s “subprime problem” and confusing co-brand strategy* Walmart’s “checking account” ONE gets ready to launchAnd, as always, what Ale...2022-10-0550 min
Fintech Business WeeklyInterview: Neal Desai of KafeneWelcome back to Fintech Business Podcast. In this episode, I talk to Neal Desai, co-founder and CEO of lease-to-own startup Kafene — which just announced it has raised an $18 million Series B. Congrats to Neal and the entire Kafene team!We had a chance to talk about:* How lease-to-own works & how it’s different than BNPL* What’s “fintech” about Kafene vs. legacy players like Aaron’s and Rent-a-Center* How Kafene’s lease-to-own can actually be cheaper than credit cards* How Kafene underwrites risk and handles customers who can’t pay* and...2022-09-2143 minFintech Business PodcastInterview: Neal Desai of KafeneWelcome back to Fintech Business Podcast. In this episode, I talk to Neal Desai, co-founder and CEO of lease-to-own startup Kafene — which just announced it has raised an $18 million Series B. Congrats to Neal and the entire Kafene team!We had a chance to talk about:* How lease-to-own works & how it’s different than BNPL* What’s “fintech” about Kafene vs. legacy players like Aaron’s and Rent-a-Center* How Kafene’s lease-to-own can actually be cheaper than credit cards* How Kafene underwrites risk and handles customers who can’t pay* and...2022-09-2143 min
Fintech Business WeeklyFintech Recap: Goldman May Delay Checking, Who Wins with Rising Rates, Student Loan ForgivenessHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Goldman Sachs was supposed to launch its Marcus checking account in 2021, but new reports indicate it may be further delayed — what’s happening here?* Interest rates seem set to continue rising — who are the winners and losers?* The Biden admini...2022-09-0750 min
Fintech Business WeeklyInterview: Soups Ranjan, Cofounder of SardineHey all, Jason here.Welcome back to Fintech Business Podcast. In this episode, I talk to Soups Ranjan, co-founder and CEO at Sardine, a fraud prevention and compliance infrastructure startup. We had a chance to talk about:* How technology can enable faster, safer money movement* Sardine’s unique approach of taking on the fraud risk of its customers* The trade-offs in reducing friction in financial apps* and more…If you’re interested in sponsoring an episode or appearing as a guest, drop us a line.Existi...2022-08-3137 minFintech Business PodcastInterview: Soups Ranjan, Cofounder of SardineHey all, Jason here.Welcome back to Fintech Business Podcast. In this episode, I talk to Soups Ranjan, co-founder and CEO at Sardine, a fraud prevention and compliance infrastructure startup. We had a chance to talk about:* How technology can enable faster, safer money movement* Sardine’s unique approach of taking on the fraud risk of its customers* The trade-offs in reducing friction in financial apps* and more…If you’re interested in sponsoring an episode or appearing as a guest, drop us a line.Existi...2022-08-3137 min
Fintech Business WeeklyBanking-as-a-Service & Regulation: A Conversation with Sankaet Pathak of Synapse & Shaul David of RailsrHey all, Jason here.This Sunday, I have a “hybrid” post for you — both regular newsletter content and a special podcast conversation about banking-as-a-service and regulation, with guests Sankaet Pathak, co-founder and CEO of Synapse, and Shaul David, Head of Banking at Railsr.We had a wide-ranging conversation about the space, including:* How banking-as-a-service can help bank/fintech partnerships to scale* Why some banking-as-a-service platforms want to be regulated* How to ensure customers funds are protected when a fintech (or bank, or e-money institution) fails* Predictions for the fu...2022-08-1442 minFintech Business PodcastBanking-as-a-Service & Regulation: A Conversation with Sankaet Pathak of Synapse & Shaul David of RailsrHey all, Jason here.This Sunday, I have a “hybrid” post for you — both regular newsletter content and a special podcast conversation about banking-as-a-service and regulation, with guests Sankaet Pathak, co-founder and CEO of Synapse, and Shaul David, Head of Banking at Railsr.We had a wide-ranging conversation about the space, including:* How banking-as-a-service can help bank/fintech partnerships to scale* Why some banking-as-a-service platforms want to be regulated* How to ensure customers funds are protected when a fintech (or bank, or e-money institution) fails* Predictions for the fu...2022-08-1442 min
Fintech Business WeeklyFintech Recap: BNPL Round Up, Credit Cards Sans Credit Scores, Credit Union Sues Apple, Zelle FraudHey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.This month, we had the chance to talk about:* Ongoing fall out in the buy now, pay later sector: Klarna’s valuation correction, Zip/Sezzle call off merger, Openpay exits the US, and BNPL for NFTs* Credit cards sans credit scores: Tomo raises a $22 million Series B, X1 gets ready to...2022-08-031h 04
Fintech Business PodcastInterview: Joe Robinson, CEO of Hummingbird, Live at Money2020Hey all, Jason here.Welcome back to Fintech Business Podcast.In this episode, I had the chance to catch up with Joe Robinson, co-founder and CEO of Hummingbird, live at last month’s Money2020.We had the chance to talk about:* Joe’s background and what led to his role at Hummingbird* The pain of using Google docs & email for case management* The complexity of managing compliance in today’s partnership-driven fintech universe* The intersection of crypto and anti-money laundering* How realistic Ozark is...2022-07-0632 minFintech Business WeeklyInterview: Joe Robinson, CEO of Hummingbird, Live at Money2020Hey all, Jason here.Welcome back to Fintech Business Podcast.In this episode, I had the chance to catch up with Joe Robinson, co-founder and CEO of Hummingbird, live at last month’s Money2020.We had the chance to talk about:* Joe’s background and what led to his role at Hummingbird* The pain of using Google docs & email for case management* The complexity of managing compliance in today’s partnership-driven fintech universe* The intersection of crypto and anti-money laundering* How realistic Ozark is...2022-07-0632 min
Fintech Business WeeklyFintech Recap, with Special Guest Sophia Goldberg, Author of Field Guide to Global PaymentsHey all, Jason here.Happy to bring you the latest episode of Fintech Recap, where Alex Johnson, of Fintech Takes, and I unpack some of the month’s biggest, most interesting, or just plain weird fintech news.This month, we were joined by special guest Sophia Goldberg, fintech founder and author of recently released book, The Field Guide to Global Payments. We had a chance to discuss:* Chaos in the crypto ecosystem, including Celsius Network’s freeze of users’ funds, trouble at hedge fund Three Arrows Capital, and Sam Bankman-Fried as modern-day J.P. Mor...2022-06-3053 min
Fintech Business PodcastInterview: Iain McDougall, CCO of Yapily, Live at Money2020Hey all, Jason here.Welcome back to Fintech Business Podcast.In this episode, I sat down with Iain McDougall, the Chief Commercial Officer of open banking infrastructure provider Yapily. We had a chance to discuss:* Iain’s background, and what led him to fintech* Open banking in Europe vs. the US* PSD2* How open banking can facilitate innovation and competition* Lessons the US can learn from Europe’s open banking experienceExisting subscriber? Please consider supporting this newsletter by upgrading to a paid subs...2022-06-2329 minFintech Business WeeklyInterview: Iain McDougall, CCO of Yapily, Live at Money2020Hey all, Jason here.Welcome back to Fintech Business Podcast.In this episode, I sat down with Iain McDougall, the Chief Commercial Officer of open banking infrastructure provider Yapily. We had a chance to discuss:* Iain’s background, and what led him to fintech* Open banking in Europe vs. the US* PSD2* How open banking can facilitate innovation and competition* Lessons the US can learn from Europe’s open banking experienceExisting subscriber? Please consider supporting this newsletter by upgrading to a paid subs...2022-06-2329 min
Fintech Business PodcastInterview: Paolo Ardoino, CTO of Bitfinex, Live at Money2020Hey all, it’s Jason.Welcome to Fintech Business Podcast, a monthly(ish) podcast where I’ll be interviewing leaders in banking, fintech, and crypto. If you’re already subscribed to the main newsletter, you’ll automatically receive each new episode when it’s published. Don’t worry, this will be in addition to the Fintech Recap news show that Alex Johnson and I do each month!In this first episode, I sat down with Paolo Ardoino, the CTO of Bitfinex, live at Money2020 in Amsterdam. We had a chance to talk about:* Paolo’s pers...2022-06-1737 minFintech Business WeeklyInterview: Paolo Ardoino, CTO of Bitfinex, Live at Money2020Hey all, it’s Jason.Welcome to Fintech Business Podcast, a monthly(ish) podcast where I’ll be interviewing leaders in banking, fintech, and crypto. If you’re already subscribed to the main newsletter, you’ll automatically receive each new episode when it’s published. Don’t worry, this will be in addition to the Fintech Recap news show that Alex Johnson and I do each month!In this first episode, I sat down with Paolo Ardoino, the CTO of Bitfinex, live at Money2020 in Amsterdam. We had a chance to talk about:* Paolo’s pers...2022-06-1737 min
Fintech Business WeeklyFintech Recap: TerraLuna, Bitcoin 401ks & More with Zero Hash CEO Edward WoodfordHey all, Jason here.I’m happy to bring you the latest episode of Fintech Recap, the podcast where Alex Johnson, of Fintech Takes, and I discuss and analyze some of the hottest, most interesting, or just plain weird stories in banking, fintech, and crypto.This month, we’re please to be joined by a crypto expert, Edward Woodford, co-founder and CEO of “crypto infrastructure-as-a-service” company Zero Hash. To take advantage of our guest’s expertise, we had an all-crypto episode, with a focus on where “crypto world” intersects with traditional finance and consumer applications.Existing s...2022-06-0240 min
Fintech Family HourAlex Johnson + Jason MikulaThis episode was made possible by our friends at Neuro-ID! They've just released a new report on fraud rings. It's an important read! Check it out and learn more in general at neuro-id.com/ffsThis week's guestS are Jason Mikula (Fintech Business Weekly) and Alex Johnson (Fintech Takes). They're both out here leading thoughts in the world of fintech. Helpful links: Fintech TakesFintech Business Weekly Neuro-ID Fraud Ring Report Subscribe to For Fintech's Sake here. 2022-05-251h 22
Fintech Business WeeklyFintech Recap: Key Factors Impacting Lending in 2022Hey all, Jason here.Instead of the usual Sunday newsletter, I have a very special episode of Fintech Recap, the podcast where Alex Johnson of Fintech Takes and I discuss the latest in fintech, banking, and crypto.Recorded at last month’s Empire Startups Fintech Conference in New York City, Alex and I discuss trends that will impact consumer lending in 2022, including the rapidly changing macro environment, buy now pay later (of course), the changing role of the credit bureaus, and more.Special thanks to Jon Zanoff and team for putting together a great ev...2022-05-2200 min
Fintech Business WeeklyFintech Recap: Financial Connections, Bitcoin as Legal Tender, CFPB's 'Dormant' AuthorityHey all,Alex Johnson and I are pleased to bring you the latest monthly installment of Fintech Recap.Congratulations are in order, as Alex’s Fintech Takes has been acquired by Workweek — if you don’t already subscribe, you should do so here.We’ll continue distributing the podcast here, so as long as you’re subscribed to Fintech Business Weekly, it will be in your inbox automatically — no action needed.This month, Alex and I discuss Stripe’s launch of Financial Connections, a collection of stories about countries’ crypto ambitions (for better or worse...2022-05-1053 min
Fintech Business WeeklyFintech Recap: Apple, the Credit Bureaus, and the CFPB All Break the MoldHey all, Jason here with the latest episode of Fintech Recap, the podcast in which I join Alex Johnson of Fintech Takes (if you don’t subscribe aleady, fix that!) to breakdown some of the biggest (and/or weirdest) stories in fintech, banking & crypto.In this episode, we break down Apple’s ‘Breakout’ initiative, discuss why the credit bureaus’ recent changes for dealing with medical debt don’t far enough, and shed light on a very interesting change over at the CFPB.Our ‘can’t let it go’ topics for this week include the failure of Fast and the dysto...2022-04-1547 min
INVESTOLOGY: re-think investment managementThe Past, Present & Future of Buy Now Pay Later (BNPL) | Jason Mikula - Fintech Business WeeklyA deep dive into BNPL, without the hype, with Jason Mikula.Jason Mikula is the publisher of Fintech Business Weekly, a newsletter going beyond the headlines on trends and stories in banking, fintech, and crypto.He also advises and consults for and invests in early-stage startups. Previously, he spent over a decade building and scaling consumer finance businesses, including at Enova, LendUp, and Goldman Sachs.Listen to The Fintech Files your favourite podcast app or watch on YouTube.USEFUL LINKSJason has written extensively...2022-03-0829 min
Fintech Business WeeklyFintech Recap: Overdrafts, Fintech IPOs & SoFi's Latest AcquisitionHey all, Jason here with the latest episode of Fintech Recap, the monthly-ish podcast where Alex Johnson, creator of Fintech Takes newsletter, and I talk through some of the biggest stories in banking and fintech.This month, we’re talking about:Citi’s decision to stop charging overdraft and NSF fees.Chime’s (reported) decision to delay its IPO.SoFi’s decision to acquire core banking provider Technisys.Crypto companies advertising blitz in Super Bowl LVI.And, on a more serious and important note, Alex and I also spent a...2022-03-0443 min
Fintech Business WeeklyFintech Recap: Robo-Advice, the Future of Financial InfrastructureHey all, Jason here, bringing you the latest episode of Fintech Recap, the monthly(ish) podcast I host with Alex Johnson of Fintech Takes analyzing current events in banking, fintech, and crypto.Joining us this month is Lex Sokolin, Head Economist at blockchain infrastructure company ConsenSys and creator of the Fintech Blueprint newsletter and podcast.We discuss UBS’ acquisition of roboadvisor Wealthfront, the future of financial infrastructure, and more.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday: Ge...2022-02-0835 min
Fintech Business WeeklyFintech Recap: BNPL credit reporting, P2P payments, & SPACsHey all, Jason here.I’m pleased to present the third installment of Fintech Recap, the monthly-ish podcast I host with Alex Johnson, author of Fintech Takes newsletter and Director of Fintech Research at Cornerstone Advisors.In this episode, Alex and I bid farewell to 2021 by discussing:The credit bureaus’ long-time-coming embrace of BNPL.The introduction of new products in the P2P payments space.The tables turning on fintech SPACs and what to expect in 2022.And, as is quickly becoming tradition, we spent a few minutes at the...2022-01-1444 min
Fintech Business WeeklyFintech Recap #2: Overdrafts, N26, Meta, Bitcoin BondsHey all, Jason here.You asked, we delivered. Welcome to the 2nd episode of Fintech Recap, the (approximately!) monthly podcast, where I join Alex Johnson of Fintech Takes to analyze the biggest, most interesting, or just plain bizarre stories in banking, fintech, and crypto and the trends behind them.This month, special guest Simon Taylor, co-founder of 11fs, joins. Topics covered include:Capital One’s announcement it will eliminate overdraft feesN26’s decision to exit the US marketMeta’s exec behind Facebook’s crypto projects decides to quit2021-12-0938 min