Fintech Nexus

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The largest payments network, by volume, is the ACH network. A dollar value of several times US GDP flows through the network each quarter. It is a 50-year-old network that is reliable, ubiquitous, and still growing. While several shiny new payment rails have been developed, the workhorse of the economy remains ACH and will remain so for some time.

My next guest on the Fintech One-on-One podcast is Jane Larimer, the President and CEO of Nacha, the organization that governs the ACH network. While I often feature people on this show to talk about cool and emerging technology, I also think it is critical that we understand the infrastructure that is in place today. And the ACH network is how the vast majority of payments are made.

In this podcast you will learn:

The origin story of the ACH network.
The first use case for the network.
How they moved from paper checks to electronic payments.
The mission of Nacha.
Why some banks become direct members of Nacha.
The staggering scale of the payments flowing through the ACH network.
How the timing works for payments on the ACH network.
Why the ACH network is unable to process payments on weekends (but that may be changing)
Jane's perspective on instant payments and why she believes it is complementary to ACH.
The cost difference between Same Day ACH and standard ACH.
The big barrier to the adoption of any alternative payment rails.
How fraud has changed in the past decade.
Details of the education available on their website.
How Jane see the future of payments playing out over the next decade.

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[Editor's note: This interview was recorded on April 16, six days before the news of the Synapse bankruptcy and several weeks before any of the major problems that came to light at fintechs that were working with Synapse.]

To say the banking-as-a-service space is having a moment is an understatement. But many banks have been doing this successfully for a number of years and have thriving partnerships with fintechs. One such bank is Pathward, formerly known as MetaBank.

My next guest on the Fintech One-on-One podcast is Anthony Sharett. He is the President at Pathward, a position he has held since 2021. Pathward is one of the largest and most important banks in the fintech space, so I wanted to get him on the show at this critical time for the industry.

In this podcast you will learn:

How Anthony came to be at Pathward.
The history of the company and the rebrand from Metabank to Pathward.
Anthony's take on the state of banking-as-a-service today.
Why the concept of middleware may not be dead yet.
The services they offer and some of the fintechs they are working with.
How they co-create new products with their fintech partners.
How they have built their risk and compliance framework.
How they manage the balance between creativity and compliance.
Their status as far as taking on new fintech clients.
What they are looking for in a new fintech.
Anthony's advice to a startup fintech CEO today.
What he thinks of the state of fintech innovation today.
What the BaaS landscape will look like in 3-5 years.

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When I think about the hottest areas in fintech these days identity verification is right at the top of the list. It impacts anyone doing business online so whether you are a bank or a fintech you need to stay on top of this fast-moving space.

My next guest on the Fintech One on One podcast is Joel Sequeira, the Director of Product Management at IDology. Joel is an identity expert with a long history in the space and he talks about the new attack vectors that are in play today, particularly with Generative AI, and more importantly, what fintechs and banks can do to curtail fraud today.

In this podcast you will learn:

What Joel does exactly at IDology.
The challenges for fintechs and banks in automating customer onboarding.
How to incorporate automation and AI into your strategy.
The role of human-supervised AI and how to maintain compliance.
What he means by onboarding with inclusive customer journeys.
How they define advanced identity verification.
The different data sources that IDology works with.
Why it is important to have deep data in different sectors.
Some of the differences between KYC and KYB (Know Your Business).
Examples of how Generative AI is being used to commit fraud.
The trends that Joel is paying closest attention to.
How fintechs and banks can future-proof their identity verification.

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In the early days of the online lending space, when it came to institutional capital, one name seemed to be in more deals than any other: Victory Park Capital. And while the industry has matured a great deal since then, in no small part thanks to the capital invested by Victory Park, their thesis remains the same: lend money where banks won't.

My next guest on the Fintech One-on-One podcast is Brendan Carroll, Co-Founder and Senior Partner of Victory Park. I am so pleased to finally get Brendan on the show after first inviting him many years ago. They have a great story to tell and they continue to fuel the growth of private credit, providing capital to a wide variety of different lenders.

In this podcast you will learn:

The founding story of Victory Park Capital.
Their fortunate timing of the closing of their first institutional fund.
What they saw as the opportunity in the early days of the online lending space.
Why they pulled out of the peer-to-peer lending platforms fairly quickly.
How they are able to get comfortable investing with new lending platforms.
What types of lenders they are working with today and the regions they operate.
Why businesses are staying with Victory Park a bit longer today.
Why their check sizes are higher today than five years ago.
The niche of consumer finance they are most bullish on today.
How the equity funding pullback has impacted their business.
How lenders can set themselves for success and get a deal with Victory Park done.
Brendan's views on the future of asset-back private credit.

Connect with Brendan on LinkedIn
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The payments processing space has seen a huge amount of innovation in the past decade, maybe more than any other area of fintech. This innovation has presented opportunities for non-fintech companies to earn a new revenue stream via payments processing, which in turn has created a new sub-niche for fintech companies.

My next guest on the Fintech One-on-One podcast is Caleb Avery, the CEO and Founder of Tilled. They provide PayFac-as-a-Service to software companies looking to process payments for their customers. Basically, it is a simpler and quicker way for these software companies (called ISVs) to get set up as master merchants and generate payments revenue. Unsure how this all works? We explain in great detail in this interview.

In this podcast you will learn:

What attracted Caleb to the payments processing space very early on.
The founding story of Tilled.
The difference between a card-issuing bank and a merchant-acquiring bank.
The definition of a payments processor.
What an ISO (Independent Sales Organization) does.
What an ISV (Independent Software Vendor) is.
The definition of a payments facilitator (PayFac).
Who the major PayFacs are today.
What PayFac-as-a-Service is and why Tilled went all in on this idea.
The scale of ISV that is the sweet spot for Tilled.
Why ISOs work with Tilled rather than going direct to ISVs.
The three key components of Tilled's software.
How they are able to compete head to head with Stripe Connect.
The different types of support they can provide for the ISVs.
How their pricing model works.
How the typical credit card fees are broken up between all parties.
Caleb's views on the recent ruling between Visa and Mastercard and the Department of Justice.
Where embedded payments is going and his vision for Tilled.

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Latin America continues to be, in my opinion, the most dynamic and interesting region in the world when it comes to fintech innovation. And there are now significant billion dollar deals getting done as some of the biggest financial institutions on the planet are looking to make their mark in the region.

My next guest on the Fintech One-on-One podcast is Daniela Binatti, she is the Co-Founder and CTO of Pismo. Pismo has created modern financial infrastructure to help banks move away from their legacy technology. Visa saw the potential of Pismo and announced last year that it was acquiring the company for $1 billion in cash. That deal was consummated in January of this year.

In this podcast you will learn:

The family affair that was the founding story of Pismo.
The opportunity they saw in the Brazilian market.
How they were able to start getting traction.
Pismo's core offerings today.
How they were able to sign the largest bank in Brazil very early on.
What these large banks are using Pismo for.
Some of the other big names that are using Pismo today.
How Daniela views what is happening in the US and other developed markets.
The impact that Pix has had on their business.
Her personal take on what Pix has meant for Brazil.
How they decided to take on international markets.
How the acquisition conversation with Visa began.
What they can do with Visa now that they couldn't do alone.
What this acquisition means for Latin American fintech.
What new innovations are they thinking about for the future.

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Have you ever stopped to consider the data behind a debit or credit card transaction? I have not given it much thought, but there is a real treasure trove of information that, for the most part, is still not being used effectively.

My next guest on the Fintech One on One podcast is Mitch Jacobs, the CEO and founder of Plink. You may recognize Mitch's name as he was the founder, CEO and Chairman of OnDeck for its first seven years. Back to Plink. It may well be the most important fintech company that you have never heard of. The work they are doing around transaction personalization is truly groundbreaking.

In this podcast you will learn:

Mitch's first entrepreneurial endeavor while in college.
The other companies he has started.
The idea that led to the founding of Plink.
Why card transaction data is not used effectively today.
How Plink has solved this problem.
Why they focused on community banks and credit unions.
How they enrich the raw card spending data.
An example of how a Florida credit union is using Plink's data.
How they are able to determine the relationships between cardholders and local businesses.
Why the card data problem has its roots in copper wires in the 1980s.
Why large card issuing banks have not solved this problem yet.
The scale that Plink is already at today as far as number of merchants.
The definition of a Plink.
The opportunity for financial institutions to shape how cardholders are using their cards.
What can happen you open up transaction personalization.
The endgame for Plink.

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One of the many challenges for low and middle income (LMI) consumers is building wealth. If you are living paycheck to paycheck with no savings you are more focused on financial survival and likely don't feel you have the capacity to build wealth. This is where Stash comes in.

My next guest on the Fintech One-on-One Podcast is Liza Landsman, the CEO of Stash, a position she has held for around a year now. They are laser-focused on the LMI consumer and have built a suite of tools to help these people save and build wealth. Their Stock-Back Card is truly innovative and is often the first time their customers have ever owned public equities.

In this podcast you will learn:

What drew her to the CEO role at Stash.
How Liza describes Stash and its mission.
Who the typical Stash customer is and how they are using the app.
Some of the changes she has made at Stash since becoming CEO.
How their Stock-Back technology works and why it has been groundbreaking.
The Stash 100 and their approach to financial education.
What their customer base is focused on when it comes to learning.
Why they created Stash Core, their back-end infrastructure platform.
The thinking behind launching a B2B platform.
What they learned in their Hardworking Americans Survey.
The scale they are at today.
How sticky their customers are and what they are doing to reduce churn.
Liza's vision for the future of Stash.

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The anti-fraud space has really heated up this past 12 months as fraud attempts have been on the rise and bad actors have become more sophisticated. Often, it can feel like an increasingly difficult battle to win, but there is reason for optimism.

My next guest on the Fintech One-on-One podcast is Tommy Nicholas, the CEO and Co-Founder of Alloy. Tommy lays out in exceptional detail and with great passion why there is reason for optimism today. He also provides a blueprint for how banks and fintechs should be approaching their anti-fraud efforts. This is the third and final interview in the series I conducted at Fintech Meetup.

In this podcast you will learn:

The inspiration and motivation for the founding of Alloy.
A description of their product offerings.
Why it was so difficult to build their products.
How fraud attacks have changed over the last 12-18 months.
How new fintechs develop their fraud protocols.
How to avoid the death spiral to zero good customers.
The role social media has had in increasing first-party fraud.
What is leading to an increase in fraud attempts recently.
The types of fraud he is seeing today and how it is preventable.
Details of the newly announced Alloy for Embedded Finance.
How it will transform bank-fintech partnerships.
The luck they have had in the timing of this launch.

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I don't think any fintech company has done more for small business than Square. They started with payment acceptance and have since expanded into many different areas of fintech. In fact, their lending business is now the largest in all of fintech. But it was the addition of Square Banking that has allowed this fintech pioneer to bring it all together.

My next guest on the Fintech One-on-One podcast is Christina Riechers, the General Manager of Square Banking. She has been at Square nine years and was one of the architects of Square's push into banking. This is the second podcast in the series that I recorded live at Fintech Meetup in early March.

In this podcast you will learn:

What first attracted Christina to Square.
Block's mission and how that resonated with her.
The origins of Square Banking and Christina's role in it.
How they built out their banking capabilities.
The different starting points for small businesses in joining their ecosystem.
Why established small business switch to Square Banking.
The scale they are at today for Square Lending.
How they are underwriting these loans.
How they are able to see a holistic view of the small business's finances.
How their customers are using the proceeds from their Square loans.
The astounding percentage of women-owned business they are serving.
What is top of mind for Square sellers today.
How their payroll service works.
What integration opportunities there are between Cash App, Afterpay and Square Banking.
What they doing around Generative AI.
The fintech trends that Christina is paying closest attention to right now.

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The area of fintech that has been in the news most so far this year is, without doubt, banking as a service (BaaS). We have seen consent orders, layoffs, banks ending fintech programs, ongoing disputes between BaaS companies and fintechs and there have been pivots from some of the BaaS providers.

My next guest on the Fintech One-on-One podcast is Chris Dean, the CEO and Co-Founder of Treasury Prime. They were one of the original BaaS providers and have recently announced a pivot to working directly with banks. This resulted in the layoff of around half of the company. We do a deep dive into this pivot during our conversation, which took place live at the recent Fintech Meetup in Las Vegas.

In this podcast you will learn:

How his experience at Silicon Valley Bank led to the founding of Treasury Prime.
Their original three lines of business.
The driving force behind their pivot to dealing with banks directly.
The reaction they have received from their fintech clients.
How their direct service works for banks.
Why banks will continue to want to partner with fintechs.
Details of the process they go through when onboarding a new bank.
The different ways that are working with banks today.
Why Chris thinks the original banking as a service model is dead.
Why banks have been universally positive on their recent pivot.
How involved they are with the fintech sales process at the bank.
The impact on the fintech startup scene of banks only wanting to work with established fintechs.
Their approach to compliance automation.
Why he never sees the alternative core banking providers.
How Chris sees the bank-fintech partnerships evolving in the long term.
How he defines success going forward.

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Until fintech came along, there was a serious catch-22 when it came to establishing credit. There was no easy way to establish your own credit score without first obtaining credit. This became a real problem with Gen-Z and even younger millennials who have avoided credit cards. But for most people, successfully establishing a good credit score opens doors that are otherwise unavailable. Fintech has come up with some creative solutions to help both establish a credit score or reestablish one that has dropped significantly.

My next guest on the Fintech One-on-One podcast is Julie Szudarek, the CEO of Self. She has been in this role for almost six months, taking over from founder James Garvey (listen to the episode with James here). Self was the inventor of the credit builder account and the space has grown a lot in the last few years as consumers are more aware than ever of the importance of a good credit score.

In this podcast you will learn:

What attracted Julie to the CEO role at Self.
How she describes Self today.
The different types of people who are coming to Self.
How their credit builder account works.
What people do once they have been through their 12-month program.
What their customers like most about Self.
How much on average the typical Self customer increases their credit score.
Details of their new rent and bills reporting product.
How they approach financial literacy with their customers.
How she responds to the criticism of credit builder products.
Why they decided to partner with SpringFour.
What they do to help their customers when they get into financial difficulty.
Why they decided to sponsor the San Antonio Spurs in the NBA.
Where is Self going in the short to medium term.

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The secondary loan market has played an important role in the history of fintech lending. It was important for those early loan buyers to know that there was a robust market in place if they needed to sell a loan portfolio. And sometimes platforms would hold the loans on their own balance sheet for a few months before offloading in a secondary loan sale. It was an essential ingredient in the growth of the space.

My next guest on the Fintech One-on-One podcast is Dan Arlotta, Senior Vice President at Garnet Capital Advisors. He has been around the fintech lending space almost from the beginning and has been putting together loan portfolio sales across the industry. There are few people who know the ins and outs of the loan buying space better than Dan.

In this podcast you will learn:

How loan buying in the fintech space has evolved over the past decade.
How fintech loans compare to banks and credit unions today.
What Dan he being seen in activity in non-performing loans.
How tightened credit boxes will impact secondary transactions.
How high interest rates have impacted buyer activity.
The types of buyers that Garnet works with on secondary sales.
What lending platforms they are working with on the fintech side.
How it was different working with Figure.
The best practices for lenders looking to do secondary loan transactions.

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AI is making its way into many areas of banking and fintech but one area where it already has a strong foothold is detecting financial crime. And there are some companies doing new and innovative things with this AI technology here.

My next guest on the Fintech One-on-One podcast is Adam Famularo, the CEO of WorkFusion. His company has created these AI digital workers that are integrated into the workforce of a bank or fintech. These are real digital assistants that have been brought to life by WorkFusion.

In this podcast you will learn:

What attracted Adam to the CEO role at WorkFusion.
How he describes the company today.
How their AI Digital Workers operate and the different job roles they have.
An explanation of the use cases for these digital workers.
How they have trained the digital workers.
How banks are augmenting these digital workers with their workforce.
What kind of feedback they have received by humanizing their AI models.
What is involved in the onboarding process.
Where the AI digital workers fit within their core software.
The typical organizations using WorkFusion today.
A couple of case studies from banks using their software.
How much they are reliant on LLMs and Gen AI.
How they reduce the risk of errors or hallucinations.
What this will all look like in five years.
How this will impact the human workers interacting with the AI workers.

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When FedNow launched last July there was a lot of excitement in the financial community about the first new payments rail from the Fed in fifty years. There was also some trepidation. What would the rollout look like? Would banks take a wait-and-see approach? And how would the presence of RTP affect adoption?

Now, almost eight months later we have answers to many of these questions. My next guest on the Fintech One-on-One podcast is Mark Gould, the Chief Payments Executive at the Federal Reserve Financial Services. He is the head of FedNow and has steered the Fed through its successful launch and now into its growth stage.

In this podcast you will learn:

The many different roles Mark has held at the Fed.
What the Fed's role is exactly in the payments system.
The number of banks that are now on board with FedNow.
How the FedNow system actually works.
What Mark's pitch is when talking to prospective banks.
The difference between signing up for send and receive.
How fintech companies should think about FedNow.
The primary use cases that are flowing through FedNow right now.
How Mark thinks about RTP from The Clearing House.
The idea of interoperability between RTP and FedNow.
How Mark expects the mix of payment types to evolve over the next decade.
The tools that the Fed has in place to prevent fraud.
The transaction limits that are in place today.
The short term product roadmap for FedNow.
When Mark thinks there will be ubiquitous availability of instant payments.
What it will take for consumers to have an expectation that payments will be instant.

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When it comes to financial health there is still much work to be done. While fintech has certainly made an impact here the average consumer is no more financially healthy than they were a decade ago. This is a problem that fascinates me and I love it when I talk to companies that are making a real difference in this area.

My next guest on the Fintech One-on-One podcast is Ana Mahony, the CEO and founder of Addition Wealth. Their financial health platform is targeted at employers to offer as a benefit to their employees but what makes them unique is the human interaction. While they have a lot of digital tools for employees they also offer free one-on-one sessions with CPA and Certified Financial Planners.

In this podcast you will learn:

How the idea for Addition Wealth first germinated.
How the program at First Round Capital really helped launch the company.
The breadth of their product offerings to enhance financial health.
Why the human interaction is such a differentiator for Addition.
How they can scale with a human plus digital approach.
How they vet these financial advisors and ensure they are providing quality advice.
How Ana's experience at Uber has helped develop their platform.
What is involved in implementing Addition Wealth with a new employer.
Details of their go-to-market strategy.
The scale they are at today.
What people care about most when it comes to their financial health.
The average percentage of employees that engage with their offering.
Her vision for the future of Addition Wealth.

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Consider the humble email address. Most of us don't give this part of our identity a second thought but there is a wealth of information that can be gleaned from this one piece of data. And when it comes to fraud the email address is the most consistent predictor, more than any other data point.

My next guest on the Fintech One-on-One podcast is Diarmuid Thoma, the head of fraud and data strategy at AtData. He has spent most of his 23-year career focused on fraud prevention and today he leads a team that has built the most extensive email database in the industry.

In this podcast you will learn:

The history of TowerData and the merger that resulted in the creation of AtData.
The two areas of the company that Diarmuid leads.
Why banks and fintech should care about email data.
Why email is the most consistent fraud predictor.
What other data points they take into consideration in their fraud models.
The staggering percentage of every email in existence that are in their database.
The number of new high risk domains that are being created every day.
What is returned to the client when they provide an email address to AtData's API.
How banks and fintechs are using this data today.
Why they are included very early in the funnel for lenders.
How the AtData quality score works and what it can tell their clients.
How they have incorporated AI/ML into their fraud models.
Details of their recent white paper on balance customer experience and fraud prevention.
The trends that banks and fintechs should be paying attention to when it comes to email data.

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Small business lending is still not a solved problem in this country, or anywhere around the world for that matter, despite a decade or more attacking the problem. But today, we are seeing some new business models and new go-to-market approaches that have the potential to make a huge difference.

My next guest on the Fintech One-on-One podcast is Luke Voiles, the CEO of Pipe. Luke has been around fintech for many years and he became CEO of Pipe about a year ago now. He has a different perspective on small business lending and how to make it work best for the lender which he goes into in some depth in this episode.

In this podcast you will learn:

Some of the big names in fintech where Luke has had leadership roles.
Why he decided to take on the CEO role at Pipe.
What he did in his first weeks as CEO to fully understand the state of the company.
How he describes Pipe today.
How their working capital product works and where they sit in the payments flow.
The size of the small business they will lend to.
Why it is so important to get the payments data for their underwriting.
How they inject themselves into the payments flow so they are paid first.
Why vertical SaaS companies are the new community banks (see Luke's article here).
Luke's thoughts on Section 1071 of Dodd-Frank and why it is a good thing for fintech.
How Pipe is accessing the capital they need to lend.
Why we haven't yet solved the small business access to capital problem.
Why they are not concerned with the expense side of a business.
The vision for Pipe for the next five years.

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Embedded finance is a term that has only been around for a relatively short time. But some fintech companies have created services that could be embedded in non-financial firms for many years. It really began in the payments space and became a part of lending and we often called it lending-as-a-service before embedded lending was a thing. One of the pioneers of embedded lending is LiftForward.

My next guest on the Fintech One-on-One podcast is Jeffrey Rogers, the CEO and founder of LiftForward, an embedded lending fintech that has been around since 2013. They have a fascinating story and might hold the record for the youngest fintech to partner with one of the tech behemoths.

In this podcast you will learn:

The founding story of LiftForward.
How a small fintech company was able to land Microsoft.
How their multi-faceted relationship with Microsoft works.
How lenders are involved in this process.
Details of how all the different parties come together.
The demographic changes that are driving their business.
The different types of payments plans and subscriptions they do.
What the Mastercard Engage partner network is and how LiftForward is involved.
What brands want to see when it comes to embedded lending.
How LiftForward makes money.
The changes they needed to make to become an international company very early on.
The scale that LiftForward is at today.
Where they are focusing this year when it comes to new markets.
Jeffrey's vision for the future of LiftForward.

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Even though banks have been going through digital transformation now for a decade or more there is obviously so much work still to be done. Big banks need help with this process, particularly when it comes to personalization as banks have historically provided products that were more in the one-size-fits-all category.

My next guest on the Fintech One-on-One podcast is Amalia Avramov, she is the president of financial services at Amdocs. Now, Amdocs is a large global company that got its start in telecommunications but has expanded into financial services. I have been hearing their name around more and more so I wanted to get Amalia on the show to learn more.

In this podcast you will learn:

Amalia's long history at Amdocs.
The core industries where Amdocs operates.
Why they decided to expand into financial services.
The services they provide for the banking industry.
What banks are getting wrong in digital transformation.
What successful personalization in banking looks like.
Some examples of banks that Amdocs are working with today.
What they working on with large banks around AI.
The work Amalia is doing to promote diversity and inclusion.
How the war in Israel is impacting Amdocs and their workers there.
What is Amdocs' vision for the future of the bank experience.

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When you think of cutting edge fintech you probably don't think about the Caribbean. But some interesting developments are happening there that we should all be paying attention to.

On this episode of the Fintech One-on-One podcast, I talk with Curt Persaud, the Co-founder and CTO of Fintech Islands and Andrew B. Morris, the Chief Content Officer at Fintech Islands. This is the biggest fintech event in the Caribbean and it is happening next week (January 24-26) in Barbados. I will be there along with many other U.S. and Caribbean fintech leaders.

The Caribbean is an under-appreciated region, it is in our backyard with more people (45 million) than Canada. There is a strong entrepreneurial spirit and a thriving fintech industry there already, that is poised to grow significantly in the near future.

In this podcast you will learn:

The founding story of Fintech Islands.
Why Americans should care about Caribbean fintech.
The important fintech trends in the region.
Details about the Fintech Islands event.
The different topics being covered on their agenda.
How their startup competition will work.
How people can engage with Caribbean fintech beyond the event.

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The small business lending space has seen a lot of innovation over the last decade with fintech leading the way. But there is still much more work to do as many small business still lack the access to capital that they deserve.

My next guest on the Fintech One-on-One podcast is Steve Allocca, the head of Funding Circle USA. He has worked at some of the biggest names in fintech (PayPal, LendingClub, Bluevine and now Funding Circle) working on this challenge of helping small business access capital. Funding Circle is a pioneer in this space and recently they received the news that they have been approved for a new SBA 7(a) lending license.

In this podcast you will learn:

Steve's deep and varied history in the fintech space.
Some of the lessons he has brought to Finding Circle.
What attracted him to the role at Funding Circle.
The typical terms of their core term loan product.
Their approach to underwriting small businesses.
The impact on demand of the increase in interest rates.
What it means for Funding Circle to be approved to be an SBA 7(a) lender.
The timetable for when they will be able to start making SBA loans.
How they are building their lending as a service offering.
How they interact with the Funding Circle head office in the UK.
Some of the new hires they have made to the leadership team.
How they can get a clearer picture of small business data.
What is top of mind for Funding Circle for 2024.

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When we think about embedded finance one of the biggest opportunities is bringing financial services to vertical software companies. These software companies already have the relationship within their vertical and it often makes logical sense for them to add financial services as an add-on offering, as long as it is simple and easy to implement.

My first guest of 2024 on the Fintech One-on-One podcast is Tom Bell, the CEO and co-founder of Maast (as in Money-as-a-service plus). They are a wholly owned subsidiary of Synovus Bank and have been in business for two years. They are bringing embedded payments acceptance and embedded banking to vertical software companies but doing it with the backing of a 130-year-old regional bank.

In this podcast you will learn:

Why Tom decided to come to Synovus and start Maast.
The founding story of Maast.
Why they decided to create a new brand rather than do it under Synovus.
The suite of services that Maast provides today
Who they are working with today and their target market.
Why software providers are a perfect match for embedded finance (see Tom's article here).
The most interesting innovations in payments today.
What is involved in integrating Maast into a software provider.
How Maast stands out from other embedded finance providers.
How they approach compliance requirements.
Tom's view on the main trends in embedded finance that will be in play in 2024.
How he thinks embedded finance is going to play out long term.

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Around the world, several digital banks have achieved impressive scale. But most of these fintech companies have been focused just on their home market. It is difficult to scale a global digital bank because regulations and compliance requirements differ so much between countries. But we have seen some traditional banks achieve scale in multiple countries so there is no reason why we shouldn't see the same in fintech.

My next guest on the Fintech One-on-One podcast is Sid Jajodia, the Chief Banking Officer for Revolut and the CEO of Revolut US. There is no other fintech company that is as focused on becoming a global fintech leader than Revolut. They already have 35 million customers in more than 30 countries around the world and they continue to open operations in new countries multiple times a year.

In this podcast you will learn:

What attracted Sid to the role at Revolut.
How he describes Revolut today.
What he means when he says it is a financial super app.
The number of customers Revolut has globally.
How Revolut is differentiated from other digital banking offerings in the US.
The typical Revolut customer in the U.S. and globally.
How they are getting the word out.
Their ambition to be a bank in different markets.
What Revolut 10 is and why it is important.
Their approach to user experience.
What CEO and founder Nik Storonsky is like to work with.
What it is going to take for Revolut to reach scale in the US.
Revolut's vision for the future of financial services.

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The Federal Home Loan Banks (FHLBs) have been part of the financial landscape in this country since 1932. They were created (before the New Deal) in response to the housing crisis during the Great Depression. But their role has changed from a focus on housing to becoming a liquidity provider for large banks. And this has had a major impact on our financial system, including the fintech space.

My next guest on the Fintech One-on-One Podcast is Cornelius (Con) Hurley. He is a professor at the Boston University School of Law and was a founding member of the Online Lending Policy Institute that was folded into the American Fintech Council in 2021. Most importantly for this conversation, Professor Hurley was an independent director of the Federal Home Loan Bank of Boston for 14 years. He has become an outspoken critic of FHLBs in recent years and is a co-founder of the Coalition for FHLB Reform.

Professor Hurley provides a detailed history and the current state of play for FHLBs but also focuses on the role fintech companies can play here.

In this podcast you will learn:

Why everyone should be interested in what Federal Home Loan Banks are doing.
The origins of the Federal Home Loan Banks and why they were started.
How the FHLBs are regulated.
How the FHLBs can claim they have never made a loan that has defaulted.
The governance culture of the FHLBs.
Why FHLB loans to banks should be made public.
How the mission of the FHLBs moved away from housing and community development.
Why banks go to an FHLB for liquidity instead of the Federal Reserve.
How the FHLBs are funded and what subsidies they receive.
The recommendations for reform from the recent FHLB report.
Why FHLB members will need to beef up their mortgage exposure.
The potential role for fintech companies here.
What comes next for FHLBs.

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While most of us would agree that we have seen significant innovation in fintech and banking over the last decade, we still don't really have a new framework for how we look at banking.

My next guest on the Fintech One-on-One is someone who has thought deeply about innovation in banking and he has lived it as a co-founder of some of the biggest names in fintech. Jason Bates is currently the co-founder and Deputy CEO at consulting firm 11:FS but he is also a co-founder of both Starling Bank and Monzo, two of the big three in UK fintech.

His framework of four layers for retail financial services provides an interesting perspective and a possible foundation for future innovation.

In this podcast you will learn:

How Jason first got involved in fintech.
What it was like in the early days of Starling Bank and Monzo.
The founding story of 11:FS.
How he described 11:FS today.
The difference between digital banking and digitized banking.
The four different layers of retail banking.
What we still need to work on in digital banking.
An explanation of the "Jobs to be Done" innovation philosophy.
The best ways to apply AI to banking.
The state of fintech in the UK today.
Comparing the US and UK fintech landscapes today.
What Jason is looking at as far as 2024 fintech trends.
What he is most excited about for the next three to five years.

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There are many options for raising growth capital for established startups. With all the attention paid to venture capital, we sometimes forget that the vast majority of companies are not funded that way. Revenue-based financing has been around for more than a decade and it is a good alternative for certain types of companies.

My next guest on the Fintech One-on-One Podcast is Melissa Widner, the CEO of Lighter Capital, a pioneer in the revenue-based financing space. We learn all about how this space works, what types of companies it works best for and how Lighter Capital has become one of the market leaders.

In this podcast you will learn:

How she first got involved with Lighter Capital.
What attracted her to the CEO role.
What it is like running a fintech company from Australia.
The different countries where they are set up to lend.
How revenue-based financing works (that was pioneered by Lighter).
The types of companies that are in their sweet spot.
The size and terms of their financing.
How their underwriting works.
Why most revenue-based financing lenders are not really doing revenue-based finance.
The impact of the venture capital downturn on Lighter Capital.
How the collapse of Silicon Valley Bank impacted demand for capital.
Their historical loss rate.
How loan demand has been overall in 2023.
What it was like renewing their credit facility in the summer.
Melissa's vision for the future of Lighter Capital.

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The use of machine learning models in underwriting for consumer loans has been around for more than a decade. While fintech clearly took the lead here it has really only been the last couple of years where traditional lenders are engaging with this technology. While these AI/ML models are different from the Generative AI craze that has embraced the business world in the past year, this phenomenon has certainly helped with awareness.

My next guest on the Fintech One-on-One podcast is Laura Kornhauser, the CEO and Co-Founder of Stratyfy. Her company is on a mission to enable greater financial inclusion for people while also helping financial institutions better manage and mitigate risk. They do that by implementing their advanced AI models and, of course, through the dedication of their people.

In this podcast you will learn:

The founding story of Stratyfy.
The company's mission and how it has evolved?
The different types of financial institutions they work with today.
How they differentiate themselves from others in the space.
How their UnBias product works.
What being transparent means for adverse action notices.
What is top of mind for most banks and fintechs today.
The types of data their clients are using that are most important.
What is involved in implementing Stratyfy into a lender's system.
How their AI models have improved over time.
How the popularity of AI through ChatGPT has impacted Stratyfy.
What it was like raising an equity round in 2023.
The biggest challenge Stratyfy is facing today.
How AI will continue to improve when it comes to credit and risk decisions.

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There has been endless talk in fintech over the past year and a half about the pullback from equity investors and how difficult it is to raise money in this environment. Less is being talked about the debt investment landscape.

So, I wanted to bring Jacob Haar, Founder and Managing Partner of Community Investment Management (CIM), back on the show (he was previously a guest in 2015 and 2020). He has been a debt investor in fintech for almost a decade now and he has deep experience with fintech lending not just in the United States but increasingly around the world.

In this podcast you will learn:

How he describes CIM today.
How the pandemic played out for them.
What areas of fintech he finds most interesting today.
What countries he is focused on.
Examples of some recent deals CIM has closed.
The size of the typical debt facilities they provide.
The factors CIM considers today when making an investment decision.
Why they decided to move outside small business lending.
How their investors view impact versus a financial return.
How the deal between Camino Financial (podcast here) and Fundation (podcast here) came together.
Jacob's thoughts on transparency in small business lending and the regulatory movement there.
Some of the key milestones that fintech lending has reached in the past 10 years.
Why he is optimistic about the next decade.

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Trillions of dollars is spent on credit and debit cards every year in the US. These payments are all processed on one of the most expensive card processing networks in the world, costing merchants tens of billions of dollars. Account-to-account payments, otherwise known as pay-by-bank, is yet to take off in this country but it does have the potential to put some of these card processing dollars back in merchants' pockets.

My next guest on the Fintech One-on-One podcast is Eric Shoykhet, the founder and CEO of Link Money. His company has built the infrastructure needed to bring scale to pay-by-bank in this country. After we recorded this conversation there were several big announcements in this space, so it looks like 2024 could be a big year for pay-by-bank.

In this podcast you will learn:

The founding story of Link Money.
Why the US has the highest card processing costs in the world.
How Link Money's pay-by-bank offering works.
The data access partners they are using.
Why this is not an established payment option in the US yet?
The different components that Link Money needed to develop.
The coverage they have of the total number of deposit accounts.
How you get consumers to adopt this new payment method.
Where this makes the most sense for potential merchants.
How Eric looks at the competitive payments rails in the U.S.
Why pay-by-bank will be part of digital wallets.
The challenges Link Money needs to overcome to be successful.
His vision for the future of retail payments.

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There is no technology that has generated more buzz this year than generative AI. We have all played around with ChatGPT and marveled at its capabilities. But what is really happening with this technology in financial services? Or more importantly, what is going to happen?

My next guest on the Fintech One-on-One podcast is Anu Sachdeva, Global Business and Service Line Leader at Genpact. She has deep knowledge of banking and fintech and has become an expert on generative AI and how it will impact financial services. This is our first deep dive into generative AI on the podcast, but it will certainly not be the last.

In this podcast you will learn:

How Genpact works with banks and fintechs.
How Anu first became interested in generative AI.
What Genpact is doing with generative AI internally.
How financial services can help unlock the potential of generative AI.
The use case of using generative AI in anti-money laundering.
The fundamental principles that Genpact employs when engaging with banking partners.
How we should be thinking about generative AI.
The impact of generative AI on the employee makeup of banks and fintechs.
Will fintechs or banks take the lead with incorporating generative AI.
How we should think about compliance risk when it comes to generative AI.
The opportunity for better personalization.
A look to the future of where generative AI is going.

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There are tens of millions of Americans who have limited access to credit. Those with thin files or FICO scores below 650 often have difficulty accessing credit. Many have to resort to payday loans or pawn shops when they incur an unexpected expense. But there are fintech companies whose sole focus is serving this population with affordable credit access.

My next guest on the Fintech One-on-One podcast is Todd Schwartz, the CEO and Founder of OppFi. OppFi has been around since 2011 (they have a fascinating founding story) and are now a public company that has helped more than 1.3 million people with affordable loans. I did have the previous CEO, Jared Kaplan, on the show in 2020, but this is the first time I have had the founder on.

In this podcast you will learn:

The founding story of OppFi.
Why he started the company with a physical store front.
How the pandemic really turbo charged the business.
Why they decided to go public.
How being public has changed their business.
For underwriting, why understanding the primary bank account is critical.
Details of their Turn Up program.
The impact of the entry of banks into the small dollar loan space.
What the consumer advocate don't understand about small-dollar lending.
What happens when states, such as Illinois, ban higher APR small-dollar lending.
Why they are focused on the states when it comes to engaging with regulators.
How they make sure that OppFi customers end up better off financially.

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Medical debt is the number one reason people go bankrupt in the United States. So, you would think there would be a plethora of fintech companies attacking this problem from many angles. And while there are certainly lenders willing to finance medical procedures there are few companies taking a holistic approach to patient financial health.

My next guest on the Fintech One-on-One podcast is Itzik Cohen, the CEO and Co-Founder of PayZen. He saw the problems medical debt has created firsthand when working in the debt settlement space and he decided to do something about it. PayZen is the first company that looks at all the options available for patients as they try to afford their healthcare.

In this podcast you will learn:

The idea that led to the founding of PayZen.
The state of medical debt in the United States today.
What the "operating system for healthcare affordability" means.
Their north star at PayZen.
The different types of products they offer.
How they are finding and analyzing all this medical and financial data.
What kinds of providers they are working with.
How they are able to integrate their technology so quickly.
Itzik's thoughts on removing medical bills from their credit report.
His vision for PayZen.

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The people who lead the national banking regulatory agencies typically come from long careers in banking and law with a traditional view of the banking world. But there has been one exception to this rule.

My next guest on the Fintech One-on-One Podcast is Brian Brooks, the former acting head of the OCC and a current partner at O'Melveny & Myers. Now, don't get me wrong, Brian has had a long career in banking and law but he has also spent time outside of traditional finance, thinking deeply about financial innovation.

He came to the OCC from Coinbase and he has been an advisor or board member to several other companies in crypto and fintech. So, his perspective on the banking industry, as you will hear in this interview, is very different from your typical banking regulator.

In this podcast you will learn:

How the financial crisis shaped his career.
The three dimensions of finance he is trying to knit together.
How he came to join the OCC from Coinbase.
How Brian was able to gain the trust of the big bank CEOs.
The most important idea that he had while leading the OCC.
How he looks back at his 10 months as OCC head.
How we could have easily avoided the FTX blowup.
Why the regulators were reluctant to make these simple changes.
The core ideological debate that Republicans and Democrats have over crypto.
Why the failures of Silvergate and Signature were more about concentration risk than specifically crypto.
What he says to people who want to ban crypto.
How decentralized finance can get scale and not run afoul of US regulators.
How US-dollar stablecoins could help mitigate the risk of de-dollarization.
What regulatory changes need to happen to take advantage of new financial technology.

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As recently as six or seven years ago modern payments infrastructure in Latin America didn't really exist. Most countries had a monopoly when it came to payments processing and these monopolies sit on old technology that is difficult and expensive to maintain.

A lot has changed today. Digital payments infrastructure has been built and while those old monopoly companies still exist there is now digital payments infrastructure throughout the region.

My next guest on the Fintech One-on-One podcast is Aron Schwarzkopf, the CEO and Co-Founder of Kushki. The mission of the company is "connecting Latin America through payments" and they are doing this by building new technology that others can build on to provide a comprehensive digital payments experience.

In this podcast you will learn:

Why Aron decided to head back to Latin America after some time in the US.
The three big problems he encountered there.
How the payments landscape has evolved in Latin America.
What Kushki does exactly.
The two types of clients they serve.
How easy it is to accept international payments online.
The countries they operate in today.
Why the prevalence of cash means a green field opportunity for Kushki.
Why the growth of real-time payments is helping grow the market.
What it meant when the government of Ecuador named Kushki as the first payment aggregator.
Why they acquired BillPocket in Mexico.
The key takeaways from the recent report they published with Statista.
Why Kushki experiences less fraud than others in Latin America.
Aron's vision for the future of digital payments in Latin America.

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In the consumer lending space, fintech lenders have been using AI in their underwriting models for many years. But there are still many consumers who slip through the cracks and get declined for credit when they should have been approved.

My next guest on the Fintech One-on-One podcast is Gal Krubiner, the CEO and Co-Founder of Pagaya. They work with a large number of both traditional and fintech lenders and apply their sophisticated modeling to find consumers who have been mispriced. Their two-sided marketplace then works with investors to fund these consumer loans.

In this podcast you will learn:

The founding story of Pagaya.
Why they decided to focus on consumer credit.
How they are partnering with both fintech and traditional lenders today.
Who they are working with on the investor side of the marketplace.
The types of data they are using in their underwriting.
How their underwriting models have evolved over time.
How investor demand for their ABS deals is trending.
How the US consumer is holding up when it comes to loan repayments.
Trends in credit availability for consumers.
Why the lack of credit availability is a good thing for Pagaya.
The impact of rising interest rates on consumer credit.
Why all the attention that AI is getting is helping Pagaya.
What happened when they invited ChatGPT to their earnings call.
How being a public company has changed Pagaya.
How he is thinking about the macro environment in 2024.

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When you stop and think about it, it is kind of crazy that we don't have a global network for moving money instantly and cheaply. The internet is more than 30 years old now and it seems to me that this should be a solved problem by now. But it isn't, at least not yet.

My next guest on the Fintech One-on-One podcast is David Marcus, the CEO and Co-Founder of Lightspark. If David's name sounds familiar that is because he was the leader of the now-defunct Libra/Diem project at Facebook a few years ago. He is passionate about creating a real-time global network for money movement which is why he founded Lightspark.

In this podcast you will learn:

His fascinating background in tech.
The thought process that went into the Libra/Diem project at Facebook.
Why he decided to start Lightspark.
An explanation of the Lightning Network that sits on top of Bitcoin.
Why they chose to build their technology for the Lightning Network.
What Lightspark actually does and who they are working with.
Who is using their technology today.
The potential throughput for number of transactions per second.
How he thinks about solving micro-payments.
The regulatory challenges that might come with reaching scale.
Why we should think of what Lightspark is doing as an alternative payments rail.
Why this is a technology play and nothing really to do with crypto.
The potential use cases that can be developed.
How he thinks about programmable money.
Why it is important that payments systems behave just like the internet (open, real-time and interoperable).
The different goegraphies where they have clients today.
How their business model works.
Why the combination of real-time payments and Lightning is so powerful for the last mile.
What a future with real-time global payments could mean for commerce.

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One of the richest areas of fintech innovation right now is in instant payments. The launch over the summer of FedNow has brought heightened awareness to instant payments but there have been other offerings available in this country for some time.

My next guest on the Fintech One-on-One podcast is David Watson, the President and CEO of The Clearing House. They are the creator of the first instant payments network in the USA called Real Time Payments, a network that has been operating for over five years now. We talk about the mechanics behind instant payments and the benefits for both consumers and businesses.

In this podcast you will learn:

What David saw at The Clearing House that was really attractive to him.
A short history of the 170-year-old company.
The total volume of payments flowing through the US payments system.
Who The Clearing House serves.
How the ACH payments system works.
The enhancements The Clearing House provides for wires.
How they work with physical checks today.
The technology behind their Real Time Payments system.
Who is using RTP today.
The different use cases that are flowing through RTP.
What happens when you send a real time payment to a bank that is not in the network.
The difference between RTP and FedNow.
How David feels about competing with FedNow.
His thoughts on the card network's instant payment offerings.
How fraud in instant payment networks can be mitigated.
His vision for the future of instant payments.

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Much has been written about the student loan challenges for domestic students in this country. But what about international students, those people coming to the U.S. to study for a Master's or Bachelor's program? There are few good loan alternatives for international students as they are ineligible for federal student loan programs.

My next guest on the Fintech One-on-One podcast is Manu Smadja, the CEO and Co-Founder of MPOWER Financing. They are working to address this problem, providing affordable financing for international students looking to study at American and Canadian universities.

In this podcast you will learn:

The hardship story that was the trigger for starting MPOWER.
The biggest challenges for international students coming to this country.
Why demand from international students is stronger than ever.
Their mix of graduate and undergraduate students.
How they are underwriting these people.
Why the type of major is a critical data point in the underwriting process.
How they approach loan pricing.
The typical terms of an MPOWER student loan.
What kind of documentation is needed to obtain a loan.
What MPOWER does to help students beyond providing the loan.
The percentage of these students that stay in the U.S. after graduation.
Their experience with loan performance.
How they are funding their loans.
The scale they are at today.
Why they decided to become a B-Corporation.
Manu's vision for the future of MPOWER.

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Why is it that, in 2023, we are still getting paid on a fixed schedule? It seems crazy to me that payroll systems that were built for batch processing on mainframe computers still maintain this batch mindset in a world where everything can be instant. We should be able to choose the exact cadence of when and how we want to be paid.

My next guest on the Fintech One-on-One Podcast is Kevin Coop, the CEO of DailyPay. The team at DailyPay has created the largest Earned Wage Access (EWA) business on the planet where employees of DailyPay customers can get early access to their earned wages whenever they want. This is a huge deal for those people living paycheck to paycheck.

In this podcast you will learn:

What attracted Kevin to the CEO role at DailyPay.
Why we are all still getting paid on these fixed time periods.
How DailyPay actually works.
What their app shows employees.
How often employees access their earned wage before payday.
The different features that they provide employees.
How they integrate with the employer payroll systems.
How these advances are funded.
The benefits for employers of adding DailyPay.
How DailyPay earns money.
How this is improving the financial health of employees.
How DailyPay is engaging with regulators at the state and federal level.
How they are partnering with the large payroll providers.
The different segments that are popular with DailyPay.
How Kevin thinks about the competitive moat that DailyPay has built.
The impressive scale they are at today.
His vision for the future of DailyPay.

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The first wave of fintech focused on helping those people who already had money. The bottom half of the population was mostly ignored, and those companies that did try failed to get traction. But in recent years, there has been a new breed of fintech company emerging squarely focused on helping those people who are living on the financial edge.

My next guest on the Fintech One-on-One podcast is Rodney Williams, the President and Co-Founder of SoLo Funds. They call themselves a community finance platform and they are squarely focused on the subprime market. In fact, 82% of their members live in underserved zip codes. They are supplying a loan product that is sorely needed in these places.

In this podcast you will learn:

The essential need that led to the founding of SoLo Funds.
How their loan platform works.
The three verifications new borrowers must go through.
How many loans a typical borrower uses in a 12-month period.
What the typical use cases are for the borrowed funds.
Rodney's favorite stat on their borrowers.
How they maintain the balance between borrowers and lenders on their marketplace.
Their regulatory challenges and where they stand with regulators today.
The three different ways they make money.
The list of investors backing them.
Why they recently decided to expand to Nigeria.
Why their p2p lending model is perfect for the subprime market.

Connect with Rodney on LinkedIn
Connect with SoLo Funds on LinkedIn
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It seems like every day there is a story coming out of Washington that can have a major impact on fintech. Whether it is the CFPB, OCC, SEC, the Fed or new legislation being proposed, fintech companies can be profoundly impacted by what happens in our nation’s capital. That is why it is important to have an independent trade association making our ideas and opinions known.

My next guest on the Fintech One-on-One podcast is Phil Goldfeder, the CEO of the American Fintech Council, a job he has held since March of this year. He is advocating for our industry every day, not just in Washington, but also in statehouses around the country.

In this podcast you will learn:

What attracted Phil to the job at the American Fintech Council.
What the AFC does exactly.
The basic story that Phil tells legislators about fintech.
The core issues that the AFC is working on in Washington.
How they are engaged at the federal level on earned wage access.
Why he wrote a recent op-ed in American Banker.
Why fintech should not reflexively push back on new regulation.
Details of the AFC Policy Summit in Washington DC in November.
What needs to happen for fintech to have a seat at the table.
Why Phil is optimistic that there can be change in Washington that is positive for fintech.

Connect with Phil on LinkedIn
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One of the early players in the fintech lending space is Best Egg, formerly known as Marlette Funding. At one stage they were the fastest-growing lender in the country. While their growth has slowed down they continue to be one of the largest online lenders by originations.

My next guest on the Fintech One-on-One podcast is Paul Ricci, the new CEO of Best Egg. He recently took over from the founding CEO, Jeffrey Meiler (see my interview with Jeffrey from 2019). This is Paul's very first interview since becoming CEO in June and we cover a lot of territory. He is no newcomer to the industry having been Best Egg's CFO since the very beginning.

In this podcast you will learn:

His role at Best Egg before he became CEO.
How the transition to CEO has gone.
A profile of their target customer.
The competitive dynamics of the personal loan market today.
How they have adjusted their underwriting given the changing environment.
Why they launched a credit card and how it is going.
How their innovative home equity loan product works.
Why they decided to acquire Till and the new product that became part of Best Egg.
Why they are not looking to get their own banking license.
How they know their products are having an impact on their customers' financial health.
The scale that Best Egg is at today.
How fintech lending is doing as an industry.

Connect with Paul on LinkedIn
Connect with Best Egg on LinkedIn

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All areas of fintech are changing fast. But it is in payments where the most groundbreaking changes are happening right now. After years of development, we finally saw the launch of FedNow last month (on time!) as this country begins its transition to instant payments in earnest.

My next guest on the Fintech One-on-One podcast is Stephany Orum, the CEO and Co-Founder of Orum. I wanted to get her back on the show (she was last on in 2021) to discuss FedNow and what it is going to mean for the payments landscape. Orum works with several banks that are part of FedNow and they provide an infrastructure layer for most payments rails.

In this podcast you will learn:

How Stephany describes Orum today.
How banks and fintechs should think about the various payments rails.
An explanation of payments orchestration.
Why FedNow is a game changer for faster payments.
Some of the advantages of FedNow.
Feedback from some of the participating banks operating in FedNow's first week.
Why it is more important for banks to work on receiving first for FedNow.
How the mindset is changing inside banks towards a real-time operation.
What the Fed has learned from the experience of RTP.
Why interoperability between instant payment rails is inevitable.
The role of the other types of payment rails.
How banks and fintechs can combat fraud in an instant payments world.
What it will mean for the country when most payments are instant.

Connect with Stephany on LinkedIn
Connect with Orum on LinkedIn

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When it comes to running an e-commerce store there is no bigger name than Shopify. They have been helping entrepreneurs run all aspects of their e-commerce business for well over a decade. And in recent years they have quietly built up an impressive suite of financial products.

My next guest on the Fintech One-on-One Podcast is Vikram Anreddy. He is the Head of Product for Financial Services at Shopify. With Shopify Credit launching just this week the company now has all the major components of a typical bank or fintech: bank account, bill pay, installment loans and credit cards. We delve into each of these products and more in this interview.

In this podcast you will learn:

What attracted Vikram to Shopify.
How Shopify Capital works.
The amazing growth they have seen at Shopify Capital.
The unique data points they are able to use in underwriting.
How Shopify Balance is different to a regular bank account.
Why they attract brand new entrepreneurs with Balance.
What they are doing with Shopify Bill Pay.
The differentiators for their new Shopify Credit Card.
How they are using the learnings from Shopify Capital for their credit card
What having a full suite of financial products does for Shopify.
How they think about expanding their financial products into international markets.
Some of the fintech companies and products that inspire Vikram.
The keys to a successful launch of a new product line.
How they are bringing different products into a unified design.
Their plans to add more products to their financial services offerings.
What is exciting about the future of financial products at Shopify.

Connect with Vikram on LinkedIn
Connect with Shopify on LinkedIn

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It wasn't that long ago that robo-advice was this exciting new industry that was going to bring automated investing to the masses. Today, much of that initial promise has been realized and all the major investment firms have this as part of their offerings. But there is much more work needed to be done here.

My next guest on the Fintech One-on-One podcast is Sarah Levy, the CEO of Betterment. Betterment was one of the pioneers in the space and it is interesting to see how they have evolved since launching 13 years ago. As you will find out, it is about far more than consumer robo-advice today.

In this podcast you will learn:

What prompted Sarah to move into fintech from the media business.
What attracted her to Betterment specifically.
The different business lines they have today.
How the narrative has changed since their early days.
Details of their Cash Reserve account that pays 5.25%.
How the banking crisis in March impacted their business.
Their typical customer and target demographic.
Why Sarah championed their business-to-business offerings.
The four different marketing channels they focus on.
What their customers value most when it comes to investment choices.
Why they decided to add crypto to their offerings.
Sarah's views on the lack of women-run fintech companies.
What we can do to create changes at the top.
The diversity programs they have inside Betterment.
Her vision for the future of Betterment.

Connect with Sarah on LinkedIn
Connect with Betterment on LinkedIn

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Last month we announced a groundbreaking partnership with Fintech Meetup that is going to transform the fintech space.

With that in mind, I thought it would be helpful to dive more deeply into the partnership between Fintech Nexus and Fintech Meetup.

So, on the next episode of the Fintech One-on-One podcast we have my good friend and partner, Bo Brustkern, CEO and Co-Founder of Fintech Nexus and Jon Lear, the President and Co-Founder of Fintech Meetup.

In this podcast you will learn:

Background of how Fintech Meetup began.
The genesis of the discussions between Fintech Nexus and Fintech Meetup.
What the partnership entails exactly.
What this means for existing Fintech Nexus sponsors and attendees.
The different components of the Fintech Meetup 2024 event.
How their meetings program works.
Why their Table Talks program is so important.
How they are going to run their co-located events.
Details about their location: The Venetian in Las Vegas.
How Fintech Meetup fits in with the broader Hyve Group.
How Fintech Nexus is developing our digital media products.
What is most exciting about this new partnership.

Connect with Bo on LinkedIn
Connect with Fintech Nexus on LinkedIn

Connect with Jon on LinkedIn
Connect with Fintech Meetup on LinkedIn

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It was the best of times, it was the worst of times. That is pretty much how you could describe the environment for fintechs at the height of the pandemic. Some industries were booming while the world was reeling from the global pandemic. But in the fintech lending business, if you weren't involved in the PPP you were likely struggling. You would not think this was good timing to launch a working capital offering for small business.

My next guest on the Fintech One-on-One podcast is Alek Koenig, the CEO and Co-Founder of Settle. They launched in the summer of 2020 with an accounts payable product paired with working capital. The business took off because they found an underserved niche in desperate need of capital: e-commerce businesses.

The founding story of Settle.
How they launched the company.
Why launching at the height of the pandemic was fortuitous timing.
How their core accounts payable software works.
How the working capital offering integrates into this software.
The maximum term they are financing today.
How their underwriting process works.
The range of interest rates they charge.
How they are funding their working capital loans.
What makes their AP software unique.
Some of the brands they are working with today.
How the movement towards embedded finance has made their life easier.
How Alek's time at Affirm informs how he runs Settle today.
How he built his Ukrainian team.
The scale that Settle is at today.
How they have navigated the downturn in fintech the last 12 to 18 months.
His vision for Settle.

Connect with Alek on LinkedIn
Connect with Settle on LinkedIn
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Where fintech has had a dramatic impact already is in international payments. Sure, there is still work to do but there are companies out there today facilitating payments, often instantly, to people all around the world.

My next guest on the Fintech One-on-One podcast is Charles Rosenblatt, the President of PayQuicker. What PayQuicker does is help companies pay their gig workers in 200+ countries and those workers can receive these funds instantly. They have been doing this for more than a decade.

In this podcast you will learn:

What attracted Charles to the role at PayQuicker.
What PayQuicker does exactly.
The different geographies they operate in.
The most common use cases for their payouts technology.
What is exciting about their Payouts OS product.
Why PayQuicker does not take possession of the money.
The big value proposition for PayQuicker's clients.
What they are doing in their partnership with Mastercard.
How the end consumer receives their money.
His view on crypto and stablecoins as a payments tool.
How they partner with global banks.
How they facilitate instant payouts.
Why fraud is not a major problem for PayQuicker.
What's next for PayQuicker.

Connect with Charles on LinkedIn
Connect with PayQuicker on LinkedIn
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Fintech Islands: The Local Mission and Global Impact of Caribbean Fintech" from the Innovation Zone

Featuring:

Carmelle Cadet, EMTECH
Christopher Burns, First Atlantic Commerce
Pascale Elie, CellPay
Andrew B. Morris, Fintech Islands

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Challenging Questions: Ask the Experts" from the Innovation Zone

Featuring:

Simon Taylor, Sardine
Nicole Casperson, Fintech is Femme
Miguel Armaza, Gilgamesh
Lex Sokolin, Fintech Blueprint
Julie Verhage-Greenberg

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On today's episode, I talk with Kelly Fryer, Executive Director of the FinTech Sandbox.

Kelly and I talk about the mission of the FinTech Sandbox, why she enjoys working with startups, current market conditions for fintech startups, why access to data is so critical for startups, the market shift to open banking, the banking crisis, horseback riding, and much more.

One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: todd@fintechnexus.com.

Without further ado, I present Kelly Fryer, Executive Director of the FinTech Sandbox.

Episode highlights include

Kelly's interest in startups
Techstars experience
The mission of the FinTech Sandbox
Fintech Sandbox participants and partners
Barriers to underrepresented founders
Fintech fundraising
Open banking and data access
Kelly's love for horseback riding
The banking crisis
And much more…

Connect with Kelly on LinkedIn
Connect with Fintech Sandbox on LinkedIn
Connect with PitchIt:

Tweet me @ToddFintech
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Email me at todd@fintechnexus.com

Until next time.

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While the fintech lending space is maturing with a number of lenders achieving significant scale today, the longevity of most platforms goes back barely more than a decade. But there is one lender today that was already seven or eight years old during the financial crisis of 2008-09. I am not saying the turbulent times we are experiencing today are equivalent to what become known as the Global Financial Crisis, but there are important lessons that can be learned from companies that survived that time.

My next guest on the Fintech One-on-One Podcast is Al Crawford, the CEO and Co-Founder of BHG Financial. Al founded the company back in 2001 and has been the CEO and Chairman since that time. He has some very interesting lessons to share from running a fintech lender for more than 20 years. I interviewed Al at the recent Fintech Nexus USA event in New York City, where this session led off the Credit and Underwriting track.

In this podcast you will learn:

Background on the founding of BHG back in 2001.
The different lending verticals they operate in today.
What makes their loan funding marketplace unique.
The recent volume they have seen on their marketplace.
What they are learning from their borrowers today.
The lessons they learned from the 2008-09 financial crisis.
How their bank partners have adjusted their credit boxes.
How BHG is taking advantage of the pullback in originations from other lenders.
Details of the ABS deal they closed just after the SVB blowup.
How BHG runs their credit team.
Where their borrower demand is coming from.
How their credit and fraud team helps prevent loan stacking.
The keys for lenders to survive in turbulent times like we are experiencing now.

Connect with Al on LinkedIn
Connect with BHG Financial on LinkedIn

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Why Diverse Funding Sources are Key for Lending Businesses Today" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Dan McSherry, BHG Financial
Dave Staley, Prosper
Brooke Major-Reid, Affirm
Jason Brown, Victory Park Capital
Moderator: Larry Chiavaro, LPC Associates

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Major Structural Flaw in the VC Ecosystem" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Frank Rotman, QED
Moderator: Peter Renton, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Lending to Underbanked Populations" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Andrew Hallowell, Arcadia Funds, LLC
Moderator: John White, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Funding Lending Strategies for Fintechs from Pre-Launch to $20M+" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Alec Randall, Sivo
Will Shao, CoVenture
Moderator: Todd Anderson, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Fintech VC’s Reset After the Banking Crisis" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Ryan Gilbert, Launchpad Capital
Sarah Hinkfuss, Partner, Bain Capital
Jade Mandel, Goldman Sachs
Moderator: Todd Beauchamp, Allen & Overy

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How to Access Growth Funding in the Current Macro Environment" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Punit Dholakia, Pipe
Blair Silverberg, Hum Capital
Moderator: Brian Korn, Manatt

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Why Access to Alternative Investments Is Essential to Achieving Financial Sustainability" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Nelson Chu, Percent
Sean De Clercq, Kickfurther
Allen Sukholitsky, Masterworks
Eric Satz, Alto Solutions
Moderator: Elena Amato, CIM

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Navigating the Treacherous M&A Landscape" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy

Featuring:

Christina Russ, Truist Ventures
Emily Man, Redpoint Ventures
Moderator: Dario deMartino, Allen & Overy

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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Last month at Fintech Nexus USA in New York City we announced that Fintech Nexus has acquired Fintech Blueprint, one of the leading fintech newsletters. It is led by Lex Sokolin, who is one of the great thinkers in our space, so I used the opportunity of being together in person to record an interview.

The latest episode of the Fintech One-on-One podcast is a discussion with Lex Sokolin (I last had him on the show two years ago) recorded in the podcast theater at the event. While we touch on the acquisition of Fintech Blueprint, most of the episode is spent discussing many of the hottest fintech topics of the day.

In this podcast you will learn:

A description of his Fintech Blueprint newsletter
Why he agreed to the partnership with Fintech Nexus.
Some of the broader platform shifts he is tracking today in fintech.
How Lex views decentralized finance in the context of today's risk-off environment.
The two strategies that are bringing traditional finance and crypto together.
His views on the government crackdown on crypto.
The different regulatory climates in the US, UK, and Europe.
How decentralized finance might impact the payments landscape.
His vision for self-driving money and the role AI will play.
The technologies Lex is looking at most closely over the next two to three years.

Connect with Lex on LinkedIn
Connect with Fintech Blueprint on LinkedIn

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On today's episode, we conclude PitchIt 2023. Before we start, I wanted to share a special thanks to our judges and participating companies.

You will hear from the following finalists:

Boss Insights
Calque
Debbie
FinGoal
Grounded Technologies
Momnt
Neofin
Uplinq

PitchIt is a personal passion project for me; getting a peak into what’s coming next in fintech is a privilege. All the founders are building fascinating companies. Innovation is alive and well.

One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: todd@fintechnexus.com.

Without further ado, I present the finals of PitchIt 2023. I hope you enjoy the show.

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Making news this week was Chime, Generative AI and Ocrolus, ChatGPT, JPMorgan Chase, the CFPB, the OCC, PayPal,the European Central Bank, Stripe and more.

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How SMB Leaders Will Support Small Business in a Downturn" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Todd Denbo, Intuit
Catherine Lynn, Amex
Greg Ott, Nav
Moderator: Jacob Haar, CIM

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Reshaping a Fintech Growth Story: What's Next for Fintech and SMB Financing" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Luke Voiles, Pipe
Moderator: Billy Libby, Upper90

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How Emerging Fintechs Benefit Banks" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Liz Nutting, Discover
Fonta Gilliam, Wellthi

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How Banks are Embracing Automation and Innovation" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Matthew Nicolosi, BayFirst National Bank
Joe Quiroga, Texas National Bank
Francisco Lopez, DreamSpring
Alan Thomes, Cadence Bank
Moderator: Brock Blake, Lendio

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How SMB Lenders Can Improve Their Targeting (and Conversions)" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Scott Steinberg, Enigma
Kristopher Lazzeretti, FMCG Direct

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Rise of B2B BNPL: Bank Loan Substitution, Evolution or Revolution?" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover.

Featuring:

Yaacov Martin, Jifiti
Christine Roberts, Citizens Pay

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Unlocking Financial Access Through Open Finance" from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover

Featuring:

Gabby Macsweeney, Codat
Jesse Schwarz, JPMorgan
Keren Moynihan, Boss Insights
Lilac Bar David, Lili
Moderator: John Donovan, Charm Solutions

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Small Business Lending Update: The Credit Squeeze, New CFPB Rules, SBA 7(a) and More " from the Lending, Banking & Payments: SMB Fintech Comes of Age track - Sponsored by Discover

Featuring:

Ryan Rosett, Credibly
Steve Allocca, Funding Circle
Moderator: Julapa Jagtiana, Federal Reserve Bank of Philadelphia

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Fakers Gonna Fake: Practical Tips for Addressing Synthetic ID Fraud" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Steve Lenderman, BM Technologies, Inc
Sara Seguin, Alloy
Alona Katz, Manhattan DA Office
Naftali Harris, SentiLink
Moderator: Beth Shulkin, Mastercard

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Win The Budget: Building a Business Case for Fraud Fighting Technology" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Sheryl Pinto, Tekion
Lenny Gusel, Former Robinhood
Moderator: Simon Marchand, GeoComply

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "All These Tools Sound the Same: Solution Providers Unpacked" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

PJ Rohall, About Fraud
Ronald Praetsch, About Fraud
Moderator: Nik Walser, Strategy Consulting

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Scam Lifecycle: Innovations in Education & Technology" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Gabriel Friedlander, Wizer
Jorij Abraham, Global Anti-Scam Alliance
Moderator: Ayelet Biger, ScamRanger

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Core Elements to Build a Top Notch Fraud Fighting Department" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

John Watkins, Jenius Bank
Seth Ruden, BioCatch
Erin Vertin, Morgan Stanley
Moderator: Ian Mitchell, Knoble/Omega

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Leveraging Fusion Centers to Better Detect & Disrupt Fraud" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Jonathan Shiflet, PNC Bank
Sam Strohm, PNC Bank
Jeremy Chen, DataVisor, Inc.
Andre Ferraz, Incognia
Moderator: Al Pascual, Transunion

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Mail Theft, Check Fraud and the Digital Fraud That Ensues" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Karen Boyer, M&T Bank
Blair Cohen, AuthenticID
Moderator: Frank McKenna, Frank on Fraud

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Cecilie Fjellhøy - Netflix: The Tinder Swindler" from the Fraud Fight Club track - Sponsored by Mastercard

Featuring:

Cecilie Fjellhøy, LoveSaid

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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Connect with Marco on LinkedIn
Connect with Goldman Sachs on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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On today's episode, I talk with Gavin Nachbar, Co-Founder & CEO of Column Tax. Please note this episode was recorded live at Fintech Nexus USA 2023.

Gavin and I discussed the founding story behind Column Tax, tax refunds versus more money per paycheck, why taxes are so interesting, embedded finance, raising capital, and much more.

One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: todd@fintechnexus.com.

Without further ado, I present Gavin Nachbar, Co-Founder & CEO of Column Tax. I hope you enjoy the show.

Episode highlights include

Column Tax founder story
Why taxes are so complicated
Tax education
API accountant
The lack of innovation in the tax market
Embedded finance
Raising capital
And much more…

Connect with Gavin on LinkedIn
Connect with Column Tax on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Making news in fintech this week was Anne Boden of Starling Bank, JPMorgan, QED Investors, Fifth Third Bank, Rise Money, the CFPB, Venmo, Airbnb and Klarna, Daylight, Plastiq, Binance and more.

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "FedNow's Coming Impact on Community Banks" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Matt Tymn, FFB Bank
Mark Fiorentino, Index Ventures

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "A better UX, faster and embedded: the future of digital payments for SMB" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

John Mitchell, Episode Six
Prashant Gandhi, Melio
Alexandra Johnson, Bank of America
Simone Joyce, Paypa Plane

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Fast, Faster, Fastest: The Promise of Real-Time Payments—and the Challenges that Still Remain " from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Stephany Kirkpatrick, Orum
Ajay Andrews, Plaid ACH
Nick Thompson, Modern Treasury
Jenny Johnston, Fintech Investor

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Money Movement Infrastructure, Should You Build or Partner?" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Tim Astanov, TabaPay
Jaspreet Singh, Visa Direct
Dekel Beeri, DailyPay
Isabelle Castro, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "How Blockchain-Enabled Payments Rails Can Speed Up Payments" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Rob Morgan, USDF Consortium
Kevin Greene, Tassat
Sarah Milam, Dechert
Mark Fernandes, Checkout.com
Michael Greenwald, AWS

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Solving the E-Commerce Payment Experience" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Marc Keller, Paze
Todd Anderson, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Frictionless, Fast and Secure—How Card-Based Payments can Drive User Growth and Engagement for Your Business" from the track: The Golden Age of Payments Innovation - Sponsored by Visa.

Featuring:

Nicole Stiller, Visa
Nick Moiseff, Remitly

To receive updates about the 2024 Fintech Nexus USA event, join our Linkedin event here: https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Fall and Rise of Stablecoins" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Claire Ching, Gemini
Brady Dale, Axios

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Is Technology Enough to Eliminate the Fraud Risk?" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Brian Duke, Prism Data
Jim Bray, Quinte
Moderator: Tim Li, Fintech At Larger

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Technology is Here for Faster Mortgages. Why Isn't it Happening?" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Nima Ghamsari, Blend
Zeenat Sidi, loanDepot
Jason Cave, FHFA

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "The Role of Data: What Financial Institutions Need to Know" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Traci Michel, Metro Credit Union
Zach Eychaner, Community Financial Credit Union
Casey Jones, Glia
David Brooks, Monevo
Chris Fraenza, Savvy Money

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Inclusive Design to Improve Financial Security and Increase Customer Engagement" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Gosia Tomaszewska, Commonwealth
Rishi Ahuja, Cash App
Kim Gerhardt, The Fintech Interactive

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Leading with Embedded Finance to Develop a Full Service Software Company" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Erica Khalili, Lead Bank
Geoff Charles, Ramp
Sachin Kulkarni, Oscilar
Paula Costea, FintechOS
Ashish Jain, Slope

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Market Networks: The Intentional Collision of a Marketplace, a Social Network, a SaaS" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Soul Htite, Valt
Matt Creedon

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Driving Profitability Across the Loan Lifecycle with Alternative Data" from the track Creating the Financial System of the Future - sponsored by Plaid.

Featuring:

Jonathan Gurwitz, Plaid
Rodney Williams, Solo Funds
Franck Fatras, LendingPoint
Bo Brustkern, Fintech Nexus

To receive updates about the 2024 Fintech Nexus USA event, join our LinkedIn event here https://www.linkedin.com/events/fintechnexususa20247063890713540734977/

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "ChatGPT and Fraud/Scam Implications" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Jeff Finocchiaro, Bank of America
Frances Zelazny, Anonybit
Simon Taylor, Sardine

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Future Proofing the Digital Evolution of Payments" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Ranjita Iyer, Mastercard
Todd Anderson, Fintech Nexus

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Real-time Scams: Real Time Payments Biggest Fraud Challenge" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Ben Chance, Early Warning
Lee Kyriacou, The Clearing House
David Kerman, JP Morgan Chase
Mike Timoney, Fed Boston
Ian Mitchell, Knoble/Omega

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "First Party Fraud: VulnerabilitIes Across the Customer Journey" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Maria Pukhovskaya, Bill
Yigit Yildirim, Socure
Brian Davis, Dodgeball

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Women in Fintech Luncheon" sponsored by Deloitte

Featuring:

Gina Primeaux, Deloitte
Christina Bechold Russ, Truist Ventures
Marie-Elise Droga, Visa
Kristy Kim, TomoCredit
Kirby Rattenbury, Deloitte

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Money Mules - How to Actually Get Fraud & AML to Collaborate" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Jeff Dant, Ally
Rob Rendell, NICE Actimize
Sushil Raja, JPM Chase
Donna Turner, Strategic Advisor

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Man v. Machine: Fighting Back Against Fraud Bots" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Chad Lancaster, SpyCloud
Matt Powell, Regions
Mary Ann Miller, Prove

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Card Fraud - The Not So Sexy Billion Dollar Problem" from the Fraud Fight Club Track, sponsored by Mastercard.
Featuring:

Harold Paulson, Fiserv
Brittany Usher, Quavo
Sophia Carlton, Accenture

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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023.

Session: "Synthetic Identity Fraud: How to Protect Your Revenue Before Damage is Done" from the Fraud Fight Club Track, sponsored by Mastercard.

Featuring:

Graeme Bullock, Identity Solutions, Mastercard
Sarah Hague, Identity Solutions, Mastercard
Billy Haile-Mariam, Greenwood Bank
Todd Anderson, Fintech Nexus

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There is no hotter area in technology today than AI. We see articles in the press about it every day but in the fintech lending space using AI in underwriting is something that has been mainstream for some time.

My next guest on the Fintech One-on-One podcast is Mike de Vere, the CEO of Zest AI. Zest are pioneers in the field of using AI for underwriting having been working on this for more than a decade (listen to my interview with the former CEO and founder of Zest, Douglas Merrill, here).

In this podcast you will learn:

What attracted Mike to Zest AI.
How he describes Zest today.
Some of the large lenders they work with.
What Mike makes of the current AI craze.
Where we are at today with explainable AI.
How they are removing bias from underwriting models.
Details of their different offerings.
How they customize their offerings for lenders.
How they use alternative data.
How their models have improved over time.
How quickly they can deploy a new credit model.
What is involved in implementing Zest into a lender.
Why they build models for new customers at no cost.
The pushback they receive when talking with new customers.
How lenders operationalize the Zest models.
How Zest is engaging with the regulatory bodies in Washington and the states.
What they are working on now that is most exciting.

Connect with Mike on LinkedIn
Connect with Zest AI on LinkedIn

Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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On today's episode, I am joined by Rodney Robinson, President & Co-Founder of TabaPay.

Rodney and I discuss the shift toward faster payments, what that means for the overall payments market, and where the US sits today in payments innovation. TabaPay is a platform built for real-time money movement.

One quick PSA. If you want to reach the best fintech community around we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: todd@fintechnexus.com.

Without further ado, I present Rodney Robinson, President & Co-Founder of TabaPay. I hope you enjoy the show.

Episode highlights include:

TabaPay's founding story
There And Back Again
Faster payments costs
FedNow
The banking crisis
US vs. International payments systems
Raising capital
Recommended reading - The Martian by Andy Weir
And much more…

Connect with Rodney on LinkedIn
Connect with TabaPay on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Making news in fintech this week was the former Silicon Valley Bank CEO, Microsoft, Goldman Sachs, OpenAI, Nubank, Truist,. Jack Henry, FedNow, Ripple, Dave and more.

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Hi guys, welcome to the Fintech Coffee Break, I’m your host, Isabelle Castro, and today I shared my coffee break with Matthew Homer, managing member of The Department of XYZ.

Matt’s career has wound through the fintech and regulatory sectors, and his work at XYZ brings those two areas together in the field of VC. Paying particular focus to blockchain-based companies, they aim to be the “regulator in on the cap table,” providing insight to navigate the challenging environment.

On the back of Consensus 2023, I caught up with him at Fintech Nexus’ New York office to discuss the turbulent regulatory landscape of U.S. crypto.

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On today's episode, I am joined by Oscilar's Co-Founders Neha Narkhede and Sachin Kulkarni.

Neha, Sachin, and I talk about the founding story behind Oscilar, the importance of no code, the efficiency of out-of-the-box solutions, the benefits of engineering talent from all industries, the rising importance of fighting fraud, being married as co-founder, raising capital, and much more.

One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: todd@fintechnexus.com.

Without further ado, I present Oscilar's Co-Founders, Neha Narkhede and Sachin Kulkarni. I hope you enjoy the show.

Episode highlights include:

Oscilar's founding story
No code
Out-of-the-box solutions
Fintech, BNPL, BaaS
The importance of diverse engineering talent
Fraud to the top of the stack
AI risk management
Being married as co-founders
Raising capital
And much more…

Connect with Neha on LinkedIn
Connect with Sachin on LinkedIn
Connect with Oscilar on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Given the environment we are in today I think it is important to hear from leading fintech venture capitalists to get their perspective on the state of fundraising and where the industry is going. This episode continues my semi-regular feature of leading VCs.

My next guest on the Fintech One-on-One podcast is Tricia Kemp, a Co-Founder and Managing Partner at Oak HC/FT. We cover a lot of territory in this conversation and Tricia provides advice for fintech entrepreneurs throughout the interview.

In this podcast you will learn:

The founding story of Oak HC/FT.
Their investment thesis when it comes to fintech.
Their favorite areas within fintech.
Why they are stage-agnostic when it comes to writing checks.
Their geographic focus.
The total assets they have under management.
How they invested capital over the last 18-24 months.
How entrepreneurs should approach raising capital today.
What the options are for those companies that are struggling.
How fintech companies can position themselves for M&A today.
Whether the IPO window will open up any time soon.
Reflections from her Forbes article on DeFi from last year.
The types of companies that are having a hard time today.
How the payments space will evolve over the next few years.
Why they are bullish on Latin America for fintech.
What a normal funding environment will look like.
The most exciting vertical in fintech right now.

Connect with Tricia on LinkedIn
Connect with Oak HC/FT on LinkedIn

Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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Hi guys. Welcome to the Fintech Coffee Break. I’m your host, Isabelle Castro, and today I shared my coffee break with Alex de Vries, founder of Digiconomist.

The Digiconomist is laser focused on tracking the ecological impact of DeFi’s largest blockchains. Paying particular attention to bitcoin, Alex has conducted a number of studies into digital currencies and how their increased adoption is compounding issues of emissions and waste without being properly addressed.

I spoke to Alex about his environmental outlook on blockchains, particularly bitcoin, and what can be done to solve the problem.

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At this time every year, we do the Fintech Nexus USA preview show. Our big annual event is coming up next week on May 10-11. Tickets are still available, you can register here to receive 15% off (discount will be applied automatically).

On this episode of the Fintech One-on-One podcast, I chat with Todd Anderson, Chief Content Officer and Matt Murnane, Chief Experience Officer at Fintech Nexus. We go through all the different components of the show and how you can get the most out of your time there.

In this podcast you will learn:

What the expo floor at the show will look like.
How the content will work during the event.
How people can get involved in one-on-one networking.
Who gets into the VIP Meetings Lounge.
Some of the unique experiences available to attendees.
How the PitchIt contest will work.
What our Women in Fintech program is all about.
The different content topics that will be covered this year.
The layout of the show.
Highlights on the keynote stage.
How the Awards Show will work this year.
What is most exciting about the event.

Connect with Todd on LinkedIn
Connect with Matt on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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On the show this week we discussed fintech news from First Republic, JPMorgan Chase, Pacific Western Bank, Western Alliance Bank, the FDIC, Apple, Venmo, QED Investors, Boston Consulting Group, crypto and more.

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PitchIt is back and better than ever for its 9th year!

PitchIt, a competition for fintech startups, provides selected finalists unparalleled access to industry experts and invaluable exposure, branding, and more.

16 semifinalists. Best and Brightest VCs. 1 chance to Change your Future.

Semifinal round 2

Ascent
Calque
Uplinq
Neofin
Debbie
Glide
LamaAI
The People's Card

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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One thing that has been driving the fintech industry forward in the last few years has been the growth of infrastructure companies. Building the plumbing for modern finance is one of the hottest areas in all of fintech, particularly when it comes to international finance. This burgeoning fintech-as-a-service subsector has produced some market leaders.

My next guest on the Fintech One-on-One podcast is Arik Shtilman, the CEO and Co-Founder of Rapyd. They are a truly global company operating in more than 100 countries around the world with a team also disbursed throughout the world. And they are growing fast.

In this podcast you will learn:

The pivot they made initially that led to Rapyd.
How Arik describes the company today.
The four different components of fintech-as-a-service.
How their offering differs between geographies.
Their big competitive differentiator.
The number of geographies they operate in today.
How they approach compliance with so many different countries.
What they are focused on in the U.S. market.
The different types of companies that are using their infrastructure.
What they mean by "Build Bold."
The size of their team and where they are located.
Why they chose Dubai for their tech hub.
Where the biggest opportunities are in fintech today.
Rapyd's strategy when it comes to M&A.
Where they are on the path to profitability.
Arik's thoughts on payments rails and where we are heading.
The biggest challenges and opportunities in cross-border payments.
Key findings from their report, The State of B2B Cross-Border Payments.
Where they are focusing their energy right now.

Connect with Arik Shtilman on LinkedIn
Connect with Rapyd on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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Hi guys. Welcome to the Fintech Coffee Break. I’m your host, Isabelle Castro, and today I shared my coffee break with Robert Mann, Co-Founder and CEO of Standard C.

Standard C is a compliance and risk management software and advisory service for small businesses and community banks. Focused primarily on high-risk and complex businesses, Standard C establishes digital identity credentials, enabling the companies’ streamlined access to financial services.

I spoke to Robert about the issue of small business access to finance and why the digital identities are so powerful.

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Hi guys. Welcome to the Fintech Coffee Break. I’m your host, Isabelle Castro, and today I shared my coffee break with Benjamin Gabay, Co-Founder of CrunchDAO.

CrunchDAO brings together thousands of data scientists and PhDs, pooling their collective ideas and strategies through gamification to create predictive financial insights. Now collaborating with financial institutions, they leverage the decentralized nature of the DAO to build more accurate machine-learning models that can power the institutions’ growth.

Heavily involved in improving understanding of DeFi in the wider community of France, they have also been involved in building the country’s first DeFi certification.

I spoke to Benjamin about why they chose the DAO structure and gamification to approach financial machine learning and predictive insights.

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The marketplace lending space is now relatively mature, particularly when it comes to consumer loans, with several platforms 10-15 years old. The first public securitization was back in 2013 by SoFi and there have been hundreds of deals closed since then. The unsecured personal loan space now has a long track record with consistent performance.

My next guest on the Fintech One-on-One podcast is Gunes Kulaligil. He is the Structured Finance Co-Lead at Stout, an investment bank and advisory firm. He has been advising on the marketplace lending space for many years and he has written for Fintech Nexus News before (see here and here). One of the stories that has received little attention is the stellar year that marketplace lending had last year, so I wanted to dig into that with Gunes.

In this podcast you will learn:

His core focus at Stout today and their two service offerings.
The types of companies that hire them for valuation services.
How Gunes first got interested in marketplace lending.
The state of the industry today.
Why 2022 was a record year for marketplace lending.
Who is buying the senior tranches of prime securitization deals.
How credit boxes are tightening in 2023 deals.
Where demand for securitizations will come from later this year.
Why prepayments are down dramatically.
How marketplace lending will perform this year and next.

Connect with Gunes on LinkedIn
Connect with Stout on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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PitchIt is back and better than ever for its 9th year!

PitchIt, a competition for fintech startups, provides selected finalists unparalleled access to industry experts and invaluable exposure, branding, and more.

16 semifinalists. Best and Brightest VCs. 1 chance to Change your Future.

Semifinal round 1

Boss Insights
Conductiv, Inc.
FinGoal
Grounded Technologies
Momnt
Paperstack

VC Judges include - Citi Ventures, JAM FINTOP, Team8, Prosus, BankTech Ventures, CMFG Ventures, Sutton Bank.
Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Making news this week were Shopify, Wise, Coinbase, Binance.US, Klarna, First Republic Bank, Nubank, Congress and more.

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On today's episode, I am joined by José Carlos, Co-Founder & Co-CEO of Palenca.

José and I talked about the differences between the US and LatAm fintech markets, how hard it is for lenders to get an accurate picture of a borrowers income, Palenca's pivot from a lender to a data provider, Mexico's fintech journey and where fintech is today in Mexico, tae kwon do, raising capital, and much more.

A couple of short PSAs:

Applications for PitchIt have now closed; keep a lookout for the semifinals on April 26 and April 27. The finals will occur at Fintech Nexus USA on May 11 at The Innovation Zone on the Expo Floor.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, José Carlos, Co-Founder & Co-CEO of Palenca. I hope you enjoy the episode.

Episode highlights include:

Palenca's founding story
José's time at Uber
Why they pivoted away from lending
The differences between the US and LatAm fintech markets
Open banking
Financial inclusion
Raising capital
Tae kwon do
Recommended reading - The Cold Start Problem: How to Start and Scale Network Effects by Andrew Chen
And much more…

Connect with José Carlos Aguilar on LinkedIn
Connect with Palenca on LinkedIn
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Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

The Cold Start Problem: How to Start and Scale Network Effects

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The small business lending space has been going through a lot of change since the start of the decade. It basically shut down for anything non-PPP related in 2020 and 2021 but it has now bounced back to a new normal with good companies looking for capital to help them grow. And the role of the SBA loan continues to be very important.

My next guest on the Fintech One-on-One podcast is Evan Singer, the CEO of SmartBiz (he was last on the show back in 2016). They are focused on SBA loans of less than $350,000 and work with a large number of banks to fund their loans. Today, there is a lot of demand for these kinds of loans.

In this podcast you will learn:

How Evan describes SmartBiz today.
The three main SMB loan products they offer.
The pricing of these loans.
How they helped small businesses during the PPP.
The amount of fraud they caught during PPP.
The state of small business lending today.
How they are working with small business owners on Employee Retention Credits.
The credit performance they are seeing over the past three to six months.
A profile of their typical small business borrower.
Evan's thoughts on expanding the SBA 7(a) lending program.
What SmartBiz does to help make the loan application less onerous.
How they are partnering with Cross River Bank.
How they decide where to send successful loan applications.
What they do with those companies that can't qualify for a bank loan.
How the mindset of bankers has changed since before the pandemic.
What Evan is most excited about right now.

Connect with Evan on LinkedIn
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On the news show today we discussed top fintech stories about Apple, Goldman Sachs, stablecoins, the SEC, MiCA, Coinbase, CFPB, Clerkie, Liberty Bank and more.

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When we have a customer service issue with a bank, credit union, or fintech today, we often approach it with some trepidation. So many organizations provide a poor experience that is painful and frustrating for their customers. But we have the technology now for customer service to be exceptional.

My next guest on the Fintech One-on-One podcast is Dan Michaeli, the CEO and Co-Founder of Glia. They have technology that can make customer service extraordinary every time and they are 100% focused on financial services.

In this podcast you will learn:

The founding story of Glia.
The three core components of digital customer service.
What banks and credit unions do well when it comes to digital customer service.
What they are doing poorly.
The core piece that fintechs get wrong.
How Glia's call center offering works.
How they transition from an online chat to a live person.
What they are doing with automation.
Dan's thoughts on ChatGPT and its relevance to what they offer.
What the early days of the pandemic were like for Glia.
Why they established a CUSO (Credit Union Service Organization).
The geographic footprint of Glia.
The scale they are at today.
His vision for the future of customer interactions

Connect with Dan on LinkedIn
Connect with Glia on LinkedIn
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On today's episode, I am joined by Ron Ross, Co-Founder, President & COO of Everee.

Ron and I talk about his journey to starting a company, his CFO experience in raising capital, the problems with and incentives around payroll, the path to payday becoming every day, the Boston Red Sox, and much more.

A couple of short PSAs:

Applications for PitchIt have now closed. Keep a lookout for the semifinals on April 26 and April 27. The finals will occur at Fintech Nexus USA on May 11 at The Innovation Zone on the Expo Floor.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Ron Ross, Co-Founder, President & COO of Everee.

Episode highlights include

Ron's journey from four-time CFO to founder
The meaning of the word Everee
The history of payroll
Real-time beer rations
Misaligned incentives around payroll
Payroll as a competitive advantage
How payday becomes every day
The SVB crisis
Raising capital
And much more…

Connect with Ron on LinkedIn
Connect with Everee on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Peter Renton, Todd Anderson and special guest Rex Salisbury discuss big fintech news from Plaid, Visa, venture capital, Rohit Chopra, Paze, Ethereum's Shanghai upgrade and more.

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The pioneers in the fintech lending space are now well-established companies that have been in business for 15 years or more. Many millions of customers have been served and yet many (most?) consumers are still struggling with their finances. One of these pioneers is working hard to change that.

My next guest on the Fintech One-on-One podcast is Brad Stroh, the Co-CEO and Co-Founder of Achieve (formerly known as Freedom Financial). Achieve has quietly become one of the largest fintech lenders in the country, with a focus on helping consumers who are experiencing financial challenges. While this is the first time I have had one of the co-founders on the show, a few years ago I interviewed the then-head of their asset management division, Joe Toms.

In this podcast you will learn:

The founding story of Achieve.
Why the company did not launch as a digital-first business.
How they differentiate their personal loan business.
Why they expanded into home equity loans.
How their debt resolution products works.
Why they developed two mobile apps for consumers.
How Bills.com fits into their product suite.
Why they decided to rebrand from Freedom Financial to Achieve.
How their core customer struggles with debt.
The root causes for these debt struggles.
The impact inflation has had on loan demand.
Brad's view on financial literacy and how to improve that.
Their approach to the capital markets and why they remain active in securitization.
His vision for the future of Achieve.

Connect with Brad on LinkedIn
Connect with Achieve on LinkedIn
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On today's episode, I'm joined by Ron Benegbi, Founder & CEO of Uplinq.

Ron and I discuss his history of entrepreneurship and how it ties closely to his family's journey as immigrants. We talk about the SMB credit score, the shifting definition of small business, the overuse of as-a-service, getting more lenders to yes, fraud detection as a byproduct, raising capital, the NFL Draft, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Ron Benegbi, Founder & CEO of Uplinq. Enjoy the show.

Episode highlights include

Ron's entrepreneurial background
The founding story behind Uplinq
The lack of an SMB credit score
The overuse of as-a-service
The various definitions of small business
How lenders get to yes more often
Better data equals lower defaults
The fraud byproduct
No regrets
Recommended reading - Good to Great by Jim Collins
The struggles of raising capital
And much more…

Connect with Ron on LinkedIn
Connect with Uplinq on LinkedIn
Apply for PitchIt at Fintech Nexus 2023 HERE
Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

Good to Great: Why Some Companies Make the Leap and Others Don't

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Making news this week was Frank CEO Charlie Javice, Acorns, GoHenry, BloombergGPT, Jamie Dimon, Aspiration, FinFit, Salary Finance, American Enterprise Institute, KASZEK, Hello Alice and more.

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While AI has been around for decades there has never been more interest in this topic than there is today. In underwriting, some lenders have been using AI for a while but it is only recently that it has caught on for mainstream lenders.

My next guest on the Fintech One-on-One podcast is Pankaj Kulshreshtha, the CEO and founder of Scienaptic (he was last on the show two years ago). A lot has changed in the last two years and they have seen tremendous adoption among credit unions, which we discuss in some depth.

In this podcast you will learn:

How he describes Scienaptic today.
How much they emphasize the AI part of what they are offering.
The process of migrating their clients from a manual process to an automated one.
How the human touch can be maintained, or even increase, with more automation.
Why credit unions have become the core focus for their technology solutions.
What their credit unions are asking for most.
How they work with existing loan origination platforms.
What is involved in implementing Scienaptic's solution.
The types of loans they are working with for their credit union partners.
How they ensure their models remain free of bias.
How their AI models are getting better over time.
What Pankaj makes of the sudden interest in AI with ChatGPT.
How they could augment some of this technology into their systems.
How this technology is going to develop over the next 3-5 years.

Connect with Pankaj on LinkedIn
Connect with Scienaptic AI on LinkedIn
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A few weeks ago, Isabelle Castro sat down in London with Matt Bullivant, OakNorth’s Director of ESG Strategy.

Greenwashing has been cited as the ultimate enemy in the race to meet net zero targets, and a lack of transparency in ESGs has been fuelling the flames of skepticism.

For fintech, scope three carbon emissions are an area where companies can significantly impact reaching sustainable goals.

OakNorth has been particularly focused on supporting sustainable growth within its own company as well as providing tools to shed light on others' impact on the environment. They form a part of many international consortiums campaigning to do the same.

I spoke to Matt about the issues with ESGs, the power of scope three emissions, and why fintech could be integral to meeting net zero goals.

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One of the real promises of fintech is to bring new populations into the financial system for the first time. While this sounds great in theory it is difficult to execute, particularly in developing countries where it is most needed.

Our next guest on the Fintech One-on-One podcast is Shivani Siroya, the CEO and founder of Tala (Shivani was last on the show back in 2017). They are operating on the front lines of fintech, bringing financial tools to people who have not had access before. And they are doing it at scale having served eight million customers across four different countries.

In this podcast you will learn:

What their mission of "enabling financial agency" means.
The geographies they work in today.
How they think about whether to enter new markets.
What the countries they operate in have in common.
Why cash is still such an important part of what they do.
How they establish trust with their customers.
The major use cases for a Tala loan.
The results of their recent impact survey.
How they have developed a new kind of credit score.
The type of non-financial data that is most predictive.
Why providing a low friction experience is so critical.
How they engage with their customers beyond the lending product.
How financial literacy is core to their mission.
The scale Tala is at today.
What is like to run a company across four different regions.
The vision for Tala going forward.

Connect with Shivani on LinkedIn
Connect with Tala on LinkedIn

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On today's episode, I'm joined by Lamine Zarrad, CEO and Founder of StellarFi.

Lamine and I discuss his unique journey to the US and fintech, the inequities in the credit system, rebuilding your credit, why he chose to be a public benefit corporation, the health of the US consumer, banking regulation and failures, raising capital, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Lamine Zarrad, CEO and Founder of StellarFi. Enjoy the show.

Episode highlights include:

Lamine's unique journey to the US and StellarFi
The importance of being a public benefit corporation
The current credit health of the US consumer
Why credit building and repairing are so complicated
Is the credit score outdated?
Lessons from his time in public service
Thoughts on the current bank crisis
Bank failures and financial inclusion
Recommended reading -
- The Ghosts of Cannae: Hannibal and the Darkest Hour of the Roman Republic by Robert L. O'Connell
Raising capital
And much more...

Connect with Lamine on LinkedIn
Connect with StellerFi on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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On this week's show with special guest Ron Shevlin we discussed big fintech news from First Citizens Bank, Early Warning (Paze), Apple, big banks vs small banks, the FDIC, venture capital, Binance, HM Treasury and more.

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The most important type of financial data in our lives is our income data. This one factor can determine whether we get approved for a loan or to rent an apartment. And yet the majority of people today do not have a traditional salary providing 100% of their income. They often have disparate sources of income that until now has made it very difficult for financial institutions to process.

My next guest on the Fintech One-on-One podcast is Shmulik Fishman, the CEO and Co-Founder of Argyle. Argyle is all about solving this problem by working with a huge number of sources to provide a complete and accurate picture of income. This process is embedded into a loan or rental application to help make more informed decisions.

In this podcast you will learn:

The founding story of Argyle.
How Shmulik describes Argyle today.
Their core competency and how they embed their experience.
How they customize their offering depending on the use case.
How they handle people with disparate income sources.
The challenge of connecting to tens of thousands of payroll systems.
The percentage of the workforce they cover.
How they work with payroll-linked lending.
Why mortgage lending is the holy grail for income verification.
How their direct deposit switching offering works.
How they work with the gig economy vertical.
How traditional banks are learning from new digital banks.
What it means today to be a modern lender.
The best practices when it comes to automated underwriting.
What the movement towards instant payouts means for funding of loans.
What is coming down the pipe at Argyle.

Connect with Shmulik on LinkedIn
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This week, I shared my coffee break was Steve Smith COO at Esker.

We spoke about the explosion of invoice-to-cash, and how automation of the procure-to-pay cycle using AI is essential in improving the productivity and sustainability of businesses.

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One of the hottest areas of fintech today is anti-fraud. It has never been more challenging to stop fraudsters and for most fintechs this is not a core competency. Thankfully, new companies are arriving on the scene with deep experience to help fintechs combat the increasing fraud threats.

My next guest on the Fintech One-on-One Podcast is Soups Ranjan, the CEO and Co-Founder of Sardine. They have combined risk, compliance, and payment protection into one platform and they have started in the most challenging of all sectors when it comes to fraud: crypto. And they are about to move into mainstream fintech later this year.

In this podcast you will learn:

The founding story of Sardine.
Why they called the company Sardine.
The biggest fraud and compliance challenges today in fintech.
The different types of scams that are most popular today.
Why combatting social engineering is all about education.
What Sardine does exactly.
How they are using behavioral biometrics.
The three different products they offer.
Where the most fraud is coming from today.
How they are preparing for a world of real-time payments.
Details of the new consortium they are getting ready to launch.
How they are leveraging the expertise from the big name VCs on their board.
What is next for Sardine.

Connect with Soups on LinkedIn
Connect with Sardine on LinkedIn

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On today's episode, I'm joined by Rujul Zaparde, Co-Founder & CEO of Zip.

Rujul and I talked about the frustrations he and his co-founder encountered, which led to the idea behind Zip, the importance of a consumer-grade solution, the growth trajectory Zip is currently on, raising capital, Roger Federer, and much, much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Rujul Zaparde, Co-Founder & CEO of Zip. Enjoy the show.

Episode highlights include:

Zip's founding story
A consumer-grade experience
More spend visibility across the organization
Better audit trail
Easier budget management
"Zip is where you do your best work"
Recommended reading
- The Master: The Long Run and Beautiful Game of Roger Federer by Christopher Clarey
Raising capital
And much more…

Connect with Rujul on LinkedIn
Connect with Zip on LinkedIn
Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

The Master: The Brilliant Career of Roger Federer

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We discussed big fintech news stories from Block, Coinbase, The White House, NYDIG, JPMorgan, First Republic, Credit Suisse, Brex, SoFi, eToro and more.

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Today I shared my coffee break with Michelle Alt, Partner and co-founder of Klaros. We sat down to talk about the recent Silicon Valley Bank crisis, and what her view is for possible regulation and innovation and its wake.

Klaros is an advisory and investment firm focused on innovation in Financial Services, helping clients navigate the difficult regulatory landscape facing financial institutions as they develop for the future.

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When an immigrant first arrives in the U.S. they face a myriad of challenges. One of those core challenges is getting a bank account and becoming part of the financial system. Traditional banks find it very difficult to deal with these populations so, not surprisingly, fintech has come to fill in the gap.

My next guest on the Fintech One-on-One podcast is Magnus Larsson, the CEO and co-founder of Majority. It is a fintech company founded by immigrants for immigrants that offers an all-in-one mobile banking solution tailored for new arrivals in this country. As you will find out they are offering far more than just a bank account.

In this podcast you will learn:

The founding story of Majority.
Why Magnus moved back to the US.
The mistake that big brands make when dealing with immigrants.
Why traditional banks find it so hard to serve immigrants.
Majority's core product offerings.
Why they work hard to build a community as well as a digital app.
How they customize their products to serve each country's diaspora.
Why they have opened physical locations in select cities.
How they can open bank accounts without a social security number.
Why they spent so much time choosing their bank partners.
Details about their bank partnerships.
The key to success as a niche digital bank.
What it was like raising equity capital in 2022.
The scale that Majority is at today.
Where they are on the journey to profitability.
Their different sources of revenue.
Magnus's vision for Majority.

Connect with Magnus on LinkedIn
Connect with Magnus on Twitter
Connect with MAJORITY on LinkedIn
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On today's episode, I'm joined by Christian Maynard-Philipp, Founder & CEO at Pattern.

Christian and I discussed Pattern's origin story, why Pattern is different from some of the investing apps in the market, scalability, and financial advisors, the investing education gap, her time in the public sector, the best fundraising story I've heard, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Christian Maynard-Philipp, Founder & CEO at Pattern. Enjoy the show.

Episode highlights include:

Christian’s founder story
Her time at Acorns and Cash App
The investing education gap
Consumer advocacy
Smart scalability
Financial health and inclusion
Compliance, Compliance, Compliance
The gender gap in fintech
Recommended reading
- Ride of a lifetime, by Robert Iger
- Better not Bitter, by Yusef Salaam
Raising capital
And much more…

Connect with Christian on LinkedIn
Connect with Pattern Financial on LinkedIn
Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

Better, Not Bitter: Living on Purpose in the Pursuit of Racial Justice

The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company

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On the news show today we discussed big news from (of course) Silicon Valley Bank, Signature Bank, Goldman Sachs, First Republic, Mercury, NorthOne, Meow, Circle, Tether.to, Stripe, FedNow and more.

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Max Levchin is one of the giants of the fintech space. He was a co-founder and CTO of the original fintech, PayPal, and now he leads Affirm, the company that is reinventing how we pay for things at the point of sale.

The buy-now-pay-later (BNPL) space continues to be hot. Consumers love it and so the volume of merchandise funded in this way keeps growing every year. But what is behind that growth and why is BNPL so much better for consumers than credit cards? We delve into a detailed discussion of this and more in the latest episode of the Fintech One-on-One podcast.

In this podcast you will learn:

The catalyst for the founding of Affirm.
Why they decided to start in point-of-sale lending.
Why transparency was integral to their offering.
Why Max thinks credit cards have a lot in common with payday loans.
How the CFPB views BNPL.
The types of loans Affirm offers and the different ways they make money.
How Peloton became such a big part of their business.
The key to landing partnerships with both Walmart and Amazon.
How they are adapting their credit models to drive lower delinquencies.
Max's thoughts on their recent layoffs.
How they have engaged with the CFPB.
Why there has been a bunch of fintech startups by ex-Affirm execs.
His surprising view on the future of cards as a payment vehicle.

Connect with Max on LinkedIn
Connect with Affirm on LinkedIn
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The payments space continues to see innovation, probably more so than any other area of fintech today. Payments is a complex business, particularly when you are talking international payments, but technology has taken away a lot of the complexity. Now, with the movement towards embedded payments, nearly any company can offer payments services to their clients.

My next guest on the Fintech One-on-One Podcast is Ralph Dangelmaier, the CEO of BlueSnap. They are a leader in the payments space, offering an all-in-one Payments Orchestration platform as they call it. They are able to offer local payments in 47 countries and they have an embedded payments platform that allows their customers to offer their own global customized payment experience.

In this podcast you will learn:

The origins of BlueSnap.
How Ralph describes BlueSnap today.
The biggest mistake merchants make when accepting international payments.
The two trends that have benefited BlueSnap recently.
The different payment types they can work with.
How they consult with their partners as to the optimal payment methods.
How they are different to Stripe and Adyen.
Ralph's thoughts on the impact of Apple Pay and Google Pay.
How they handle account-to-account payments.
His perspective on supporting the new, alternative payments rails.
The use cases for stablecoin payments.
How BlueSnap operates its embedded payments platform.
How the economics work for embedded payments.
The definition of a PayFac (payments facilitator)
What Ralph does for the Electronic Transactions Association (ETA).
His vision for the future of payments.

Connect with Ralph on LinkedIn
Connect with Ralph on Twitter
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Making news this week was Silicon Valley Bank (before it's demise), Silvergate, SoFi, Credit Karma, Amazon, Coinbase, Amount, Candidly, Synctera and WhatsApp.

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On today's episode, I'm joined by Susan Tanski, Co-Founder & Head of Strategy at Sunstone Credit.

Susan and I talked about Sunstone's origin story, what drove her interest in the climate, how Sunstone is helping SMBs finance solar power, the 1 trillion dollar opportunity in commercial solar, raising capital, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Susan Tanski, Co-Founder & Head of Strategy at Sunstone Credit. Enjoy the show.

Episode highlights include:

Sunstone Credit’s founding story
An Inconvenient Truth
Why Sunstone Credit focused on SMBs
Commercial solar’s TAM
Where we are today on the Climate
Why everyone needs to do more on sustainability
The broader embedded finance market
Recommended reading
- The Great Gatsby by F. Scott Fitzgerald
- The Water Will Come by Jeff Goodell
Raising capital
And much more…

Connect with Susan on LinkedIn
Connect with Sunstone Credit on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

The Water Will Come: Rising Seas, Sinking Cities, and the Remaking of the Civilized World

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The crypto space continues to evolve and grow, despite the challenges of the past nine months. Companies continue to build new infrastructure and products that are being adopted around the world. This work is ongoing and independent of the price of crypto.

My next guest on the Fintech One-on-One podcast is Edward Woodford, the CEO and Co-Founder of Zero Hash. His company provides embedded crypto infrastructure to fintechs and brands, allowing these companies to buy, sell, hold, pay and earn rewards with crypto. They have taken a conservative and compliance-first approach which put them in a good position to weather the crypto storm.

In this podcast you will learn:

How Edward first became passionate about infrastructure companies.
The founding story of Zero Hash.
How he describes their core offerings.
Where Zero Hash fits in the crypto ecosystem.
The breadth of their service offerings.
How the money flows through their system.
How they navigated the very turbulent last year in crypto.
Why it was easy to say no to the products that caused others' downfall.
What the crypto industry needs to do to regain the trust it once had.
How he views the trend towards embedded finance.
How their partnership with Stripe came about.
Why interest in crypto has been decoupled from crypto prices.
How web3 is going to transform web2 companies.
What it will take for crypto to become a mainstream payments mechanism.
The crypto use cases Edward is most excited about.
What is coming down the pipe at Zero Hash.

Connect with Edward on LinkedIn
Connect with Zero Hash on Twitter

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On today's episode, I'm joined by Olga Chin, Founder & CEO of InterPrice Technologies, Inc.

Olga and I discussed InterPrice's founding story, her path to financial services, how InterPrice helps corporate treasury teams, the most significant problems treasury teams face, an unlikely byproduct of their platform, raising capital, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link is in the show notes.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Olga Chin, Founder & CEO of InterPrice Technologies. Enjoy the show.

Episode highlights include:

InterPrice's founding story
Olga's acing of the MCATs
Investment banking
The funny story about their web domain
Biggest impediments for corporate treasurers
Relationship banking
Dealmaking myths
Advice from the founder of Noom
Raising capital in good times and bad
Recommended reading - Reboot: Leadership and the Art of Growing Up by Jerry Colonna
And much more fun along the way

Connect with Olga on LinkedIn
Connect with InterPrice Technologies, Inc. on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

Reboot: Leadership and the Art of Growing Up

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This week we discuss big fintech news from Silvergate Bank, Klarna, Goldman Sachs, Marqeta, Better, LendingTree, Upgrade, Visa, Mastercard, and we discuss crypto regulation and more.

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Since the start of the pandemic there has been a surge of new fintech companies coming to market from a number of different niches. Most of these fintech companies need access to the banking system in some way and they need help in figuring out which banks to partner with and how to structure these partnerships.

My next guest on the Fintech One-on-One podcast is Peter Hazlehurst, the CEO and co-founder of Synctera. They have placed themselves at the center of the fintech ecosystem, helping fintechs build, launch and scale new financial products. They work with a number of banks and have quickly become one of the leading banking-as-a-service platform in the industry.

In this podcast you will learn:

What it was like growing up with a famous aunt in Australia.
The groundbreaking work Peter did at Google and Uber.
The founding story of Synctera and the opportunity Peter saw.
The number of banks they have on their platform.
The kinds of use cases that Synctera is built for.
Some of the more edge cases that Synctera has helped bring to market.
How their APIs work for these edge cases.
How they work with non-fintech companies.
How they help their clients navigate any regulatory uncertainty.
What capabilities a bank needs to be part of their marketplace.
Peter's view of the competitive landscape for banking-as-a-service.
How they are able to help fintechs as they scale.
Peter's advice for fintech founders navigating today's environment.
What they are seeing when it comes to demand for lending products.
Peter's vision for the future of banking-as-a-service.

Connect with Peter on LinkedIn
Connect with Synctera on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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Every lender has to process documents from their borrowers during the application process. Often, there is a large number of these documents from a wide variety of sources. What lenders need is a way to process all of these documents that provides a uniform set of data regardless of where the document came from.

My next guest on the Fintech One-on-One is Sam Bobley, the CEO and Co-founder of Ocrolus. They have become the standard when it comes to document automation in the small business lending space and they are now tackling consumer lending and the incredibly complex mortgage lending process.

In this podcast you will learn:

The founding story of Ocrolus.
What their technology actually does.
How their waterfall of automation techniques allows them to review any financial document.
Why it is so important to have humans involved in this process.
The percentage of documents they can process instantly.
Why they decided to start in small business lending.
The number of small business lenders they have on their platform today.
How their technology helped power many PPP lenders.
Sam's view of the small business lending landscape today.
How their fraud detection processes work.
Details of their business model.
How they approached the fundraising process.
What Sam is most excited about right now.

Connect with Sam on LinkedIn
Connect with Ocrolus on LinkedIn
Connect with Ocrolus on Twitter
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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Making news this week were Coinbase, stablecoins, UPI and PayNow, Green Dot Corporation, fintech valuations, Stripe, bank technology, JPMorgan and more.

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This country has a savings problem. We have heard it so many times: the average person cannot afford a $400 emergency expense. While fintech has made some inroads here the problem is worse that it has ever been. What we need is a fintech that is laser-focused on this problem, working to create a simple and effective solution to truly address it.

I am delighted to welcome my next guests on the Fintech One-on-One Podcast. Suze Orman needs no introduction, she has been providing personal finance advice for decades with her own TV show, many bestselling books and more. Devin Miller is the CEO and Co-Founder of SecureSave and he and his co-founder have teamed up with Suze Orman to address the emergency savings problem once and for all.

In this podcast you will learn:

The sorry state of emergency savings today in the U.S.
The founding story of SecureSave.
How Suze came to be involved.
Why she hates celebrity endorsers and what she is bringing to the table.
How she helped the company get to the right product market fit.
How SecureSave is actually changing people's savings habits.
The level of adoption they are getting with the average company.
How people are accessing their emergency savings account.
What people are withdrawing money for.
Why they focus so much on the emergency part.
Why they don't really focus on the demographics of their users.
Their vision for the future of SecureSave.

Connect with Devin on LinkedIn
Connect with Suze on LinkedIn
Connect with SecureSave on LinkedIn
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Tweet me @PeterRenton
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Find previous Fintech One-on-One episodes

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On today's episode I am joined by Marcos Fernandez, Managing Partner of Fiat Ventures.

Fiat Ventures is an emerging VC focused on supporting and growing the next generation of market leading early-stage companies in the fintech space.

It's a fascinating time in fintech, one one hand, you have a lot of bad news with layoffs happening almost daily, but on the other you also have these incredible stories of growth and excitement.

Marcos and I delved into where fintech sits today, how early stage founders should think about capital and when to raise, the precarious position crypto is in, the lack of diversity within the ecosystem, operator versus investor, the Las Vegas Raiders, and much more.

A couple of short PSAs:

We are still accepting applications for PitchIt at Fintech Nexus USA 2023; head to https://www.fintechnexus.com/usa/2023/startups/ for details.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Marcos Fernandez, Managing Partner of Fiat Ventures. I hope you enjoy the show.

Session highlights include

Marcos's journey to Fiat
Where the name Fiat Ventures came from
Fiat's investing thesis
Fiat's portfolio companies
Fiat's differentiated approach to investing
The state of fintech today
The current fundraising environment
The lack of diversity in venture capital
Why crypto and Web3 still have a bright future
Marcos's love for the Oakland (Las Vegas) Raiders
Recommended reading
- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company by Bob Iger
- Secrets of Sand Hill Road by Scott Kupor
And much more…

Connect with Marcos on LinkedIn
Connect with Fiat Ventures on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

Secrets of Sand Hill Road: Venture Capital and How to Get It

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Making news this week was FIS, Worldpay, Stripe, Apple, White House National Economic Council, crypto, Amazon, Google, and Microsoft.

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We are revisiting the venture capital space today because we are at such an interesting inflection point. Some VC firms took a very cautious approach amid the tumultuous market of 2022 but things might be turning around albeit slowly.

My next guest on the Fintech One-on-One podcast is Clara Sieg, a partner at Revolution, the venture capital firm started by AOL founder Steve Case. Clara has been investing in fintech for many years and has an interesting take on the space today.

In this podcast you will learn:

The origins of Revolution Ventures.
What attracted Clara to come on board at Revolution.
Why they actively look to invest outside of the hot tech locations.
How the geographic shift over the last three years has changed venture capital.
How Revolution navigated the lofty valuations of 2021 and early 2022.
Why they didn't do a single deal in 2022.
The range of check sizes they are doing.
Why they decided to invest in Sila and Paro.
The different segments within fintech they are most interested in.
Clara's perspective on the lack of capital flowing to women-led companies.
Why she thinks this year will lead to more consolidation in fintech.
Their expectation to do more deals in 2023.

Connect with Clara on LinkedIn
Connect with Revolution on LinkedIn

Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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On today’s episode, I’m joined by Patrick Sells, Co-Founder of True Digital Group.

True Digital Group's mission is to help financial institutions embrace digital innovation through investments in culture, capabilities, and capital.

It really is a mission for Patrick and the team at True Digital Group. Over the last few years, he’s had the chance to speak to 1,100 financial institutions. You can say he truly has the pulse of the banking community.

Patrick and I discussed common themes from the 1,100 conversations; the biggest barriers banks still face today, the education gap amongst banks and fintechs, Mindshift, blockchain and crypto, raising capital, and much more.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Patrick Sells, Co-Founder of True Digital Group. I hope you enjoy the show.

Episode highlights include:

Patrick’s journey through banking to True Digital Group
1,100 bank conversations
The Mindshift product
Top impediments banks face today
The education gap
Selling to banks vs. credit unions
Blockchain and crypto
The impending recession
Raising capital
Recommended reading - When Breath Becomes Air by Paul Kalanithi
And much more…

Connect with Patrick on LinkedIn
Connect with True Digital Group on LinkedIn
Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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Making news this week was Affirm, Goldman Sachs, Coinbase, Kraken, Robinhood, Pipe, PayPal, Apple and the UK digital pound.

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While there has been a lot of fintech innovation in small business lending, it has mostly been focused on loans of $500,000 or less. When it comes to loans of $1 million to $50 million there has been less innovation and it is still very much a manual, relationship-based process. But that is changing.

My next guest on the Fintech One-on-One podcast is Blair Silverberg, the CEO and founder of Hum Capital. He looked at that market and realized a data-driven process could vastly improve efficiency so he has created a platform that intelligently pairs growth companies with investors and lenders. He calls Hum the world's only intelligent capital market.

In this podcast you will learn:

How Blair started his entrepreneurial journey at the age of six.
The short term and long term opportunity that Blair saw that led to Hum Capital.
Examples of how their platform works.
Why they are focused purely on quantitative data.
How they meet the demands of different types of investors.
Why they are focused on private debt over equity.
The range and average loan sizes
How they have challenged the relationship-based approach to mid-market lending.
The compelling pitch they make to businesses seeking capital.
What types of data they are working with.
The two simple calculations they use to help businesses compare lending products.
How they have removed bias from the lending process.
How Blair feels about the impact of the changing macroeconomic environment.
The different risk appetites of their investors.
His vision for the future of Hum Capital.

Connect with Blair on LinkedIn
Connect with Blair on Twitter
Connect with Hum Capital on LinkedIn
Connect with Fintech One-on-One:

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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With all the layoffs in the news it would be easy to get the impression that fintech is on the downswing. But nothing could be further from the truth. There has never been a better time to start a fintech company and, as you will find out in this episode, the volume and quality of new fintech companies continues to increase.

My next guest on the Fintech One-on-One podcast is Rex Salisbury. He is the founder of Cambrian Ventures and the creator of the Cambrian fintech community. He is one of the most well-connected people in all of fintech and has been supporting early-stage fintech companies for many years.

In this podcast you will learn:

The genesis of the Cambrian fintech community.
What Rex did during his time at Andreessen Horowitz.
How his co-founder matching service works.
The size and focus of his first fund.
Why he doesn't like to be a lead investor.
How he sources new deals.
Details of one of his first investments: Keep Financial
The most interesting verticals in fintech today.
What the pre-seed and seed fundraising market is like today.
Why hiring at early-stage companies is easier than it has ever been.
The volume of new fintech companies being created.
What it is like being a solo GP in your own fund.
Where he is taking Cambrian Ventures and the community.

Connect with Rex on LinkedIn
Connect with Rex on Twitter
Connect with Cambrian Ventures on LinkedIn
Connect with Fintech One-on-One

Tweet me @PeterRenton
Connect with me on LinkedIn
Find previous Fintech One-on-One episodes

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On today’s episode, I’m joined by Joe Cianciolo, Founder & CEO of HomePace.

HomePace's mission is to enable homeowners to gain financial flexibility. They do this by allowing homeowners to unlock the equity in their homes.

HomePace's innovation gives homeowners more financial freedom without taking on more debt and gives institutional investors access to the real estate asset class.

Joe and I talked about where the HomePace idea originated from, his time at SecondMarket and FutureAdvisor, the typical use of funds through this transaction, how the overall real estate market impacts their business, playing football at Penn State, raising capital, and much more.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Joe Cianciolo, Founder & CEO of HomePace.. I hope you enjoy the show.

Episode highlights include:

Joe’s journey to HomePace
Lesson’s learned from FutureAdvisor & BlackRock
HomePace’s model
Correlation to the broader housing markets
Equity v. Debt
The education gap for equity housing transactions
Raising Capital
His time playing football at Penn State
Recommend reading for kids: Charlie and the Chocolate Factory by Ronald Dahl
Recommend reading for founders: Moneyball by Michael Lewis
And much more…

Connect with Joe on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

Moneyball: The Art of Winning an Unfair Game

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Making news this week were Stripe, Custodia Bank, Consumer Financial Protection Bureau, American Express, Celsius, SoFi, PayPal, Upstart, BM Technologies, #digitalwallets, #digitalidentity and more.

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There are few trends in fintech hotter today than embedded finance. There are companies offering to embed different type of financial products within the product flow of banks, fintechs and even brands. This is part of the rebundling of financial services and it is creating opportunities for many new companies.

My next guest on the Fintech One-on-One podcast is Roy Ng, the CEO and co-founder of Bond. Today, Bond provides embedded consumer and business credit solutions for a range of different companies, but as you will find out in this episode, they are not stopping with credit.

In this podcast you will learn:

The founding story of Bond.
How Roy defines embedded finance.
Why they moved from a broad offering to doing one thing: credit.
The target market they are focused on.
How their process works when they onboard a new client.
What the partnerships with their partner banks look like.
How they are working with Adam Neumann's new company, Flow.
The different areas where they are looking to expand.
Roy's perspective on the future of embedded finance.

Connect with Roy on LinkedIn

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The right lending infrastructure is what allows lenders to launch new products easily, to adapt products to changing economic conditions or to start an entirely new lending operation.

My next guest on the Fintech One-on-One podcast is Eddie Oistacher, the CEO and Co-Founder of Peach Finance. Incubated inside Affirm, Peach has created a new kind of lending infrastructure that is adaptive and flexible and can scale for virtually any lending product (outside of mortgage).

In this podcast you will learn:

The founding story of Peach.
How Max Levchin, the CEO of Affirm, supported new companies like Peach.
The biggest challenges for lenders today.
How Eddie describes Peach and where they sit in the technology stack.
What an Adaptive Core is and why it is important.
The different lending verticals they support.
Type types of companies that use their software.
What fintechs should be looking for when launching a new lending program.
How lenders should think about loan servicing given a possible recession this year.
What launching right before the pandemic was like.
How their self-service migration tool works and why it is a big deal for lenders.
What is next for Peach.

Connect with Eddie on LinkedIn
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On today’s episode, I’m joined by Dani Pensack, Co-Founder & CEO of Rightfoot.

Rightfoot enables developers to add debt repayment to any application.

Founding stories are always unique, but Dani and Rightfoot are thus far the most interesting to date. They moved into a retirement home to test out their initial idea. Yup, a retirement home, and only one out of 150 said yes.

The idea was that high school kids could make good money by helping retirees with technical tasks like coding; the money would then go into a 529 education account.

While the initial idea didn’t pan out, it helped them to figure out their current business and gave them a life experience like no other. Dani is one of the most resourceful founders I’ve met thus far; just wait until you hear the vacation van story.

Dani and I also discussed the core problems associated with debt repayment, how debt impacts households, her time in Southeast Asia, raising capital, and much more.

If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at todd@fintechnexus.com.

Without further ado, Dani Pensack, Co-Founder & CEO of Rightfoot. I hope you enjoy the show.

Episode highlights include

Dani’s journey to Rightfoot
Rightfoot’s founding story
Dani’s time at IBM in SE Asia
How Rightfoot’s API works
Embedded finance
Financial Inclusion
The barriers women-led startups face raising capital
Tips on raising capital
Recommended reading - The Messenger by Markus Zusak
And much more…

Connect with Danielle on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

Until next time.

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On today's show with Todd Anderson and special guest Nicole Casperson we discussed big fintech news from Stripe, Zelle®, Silvergate Bank, Farmington State Bank, Amazon, Foro, Ron Shevlin, French Hill, Gemini, Bolt and more.

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In the fintech space fighting fraud is a never ending battle. And there have been recent developments that is skewing the playing field in favor of the fraudsters. Fintech companies cannot do this themselves, they need the help of experts who are completely dedicated to making fraud as difficult as possible.

My next guest on the Fintech One-on-One podcast is Kevin Gosschalk, the CEO and founder of Arkose Labs. Kevin has built Arkose Labs to tackle online fraud head on, having built a suite of tools used by fintechs and others operating online.

In this podcast you will learn:

The simple concept behind Arkose's approach.
The state of play in the fraud space today as it applies to fintech.
How Arkose Labs works with fintechs today.
How much it costs to buy a valid identity on the dark web.
What Cybercrime-as-a-Service is and why it is a huge issue.
How fintechs can try to stop Cybercrime-as-a-Service.
How to balance increasing friction and reducing fraud.
An explanation of credential stuffing.
Why they provide a $1 million warranty for credential stuffing.
Why Arkose Labs created MatchKey to replace CAPTCHA.
How they will adapt MatchKey to ensure it has longevity against criminals.
How they are preparing for future fraud attacks.

Connect with Kevin on LinkedIn
Connect with Arkose Labs on Twitter

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The fintech industry has become much more sophisticated in how it engages with lawmakers and regulators in Washington. There are now many people in leadership positions, both within fintech companies and within the trade associations, with deep experience in government who can make sure our voice is heard. And that the issues that are most important to fintech companies are being discussed at the highest levels with Washington.

Our next guest on the Fintech One-on-One Podcast is Penny Lee, the CEO of the Financial Technology Association (FTA). She has been around politics and government her entire career and now is bringing her expertise and connections to help the fintech industry engage with leaders in Washington.

In this podcast you will learn:

What attracted Penny to the role at the FTA.
Their mission and the types of fintech companies they represent.
Some of the big names on their board.
How they are engaging specifically with lawmakers and regulators.
Their plans for engaging with some specific state fintech issues.
What initiatives have a shot at passing a divided Congress.
How they are specifically engaging with the CFPB.
The FTA's perspective on FedNow and what it could mean for fintech.
How they are supporting the bank-fintech partnership model.
How the FTA interacts with other fintech trade associations.
What Penny is most excited about for 2023.

Connect with Penny on LinkedIn

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On today's episode, I’m joined by Craig McLaughlin, Co-Founder & CEO of Finalytics.

Finalytics.ai is the first customer-centric data platform designed to help credit unions translate high-touch service onto the digital channel. I find the community bank and credit union space fascinating, they do not have the luxury of throwing money at problems as they have to be strategic in how they solve their tech needs.

Craig and I talked about the community bank and credit union market, how small financial institutions differ from large ones, current economic conditions, raising capital, the San Francisco 49ers, and much more.

We have a lot of great offerings available at Fintech Nexus, you can sponsor the pod, sponsor a webinar, or one of our large-scale events. Feel free to reach out to me anytime, at todd@fintechnexus.com.

Now with our further ado, my conversation with Craig McLaughlin, Co-Founder & CEO of Finalytics. I hope you enjoy the show.

Episode highlights include:

Craig’s journey to Finalytics
The importance of the cloud
The community bank and credit union tech mindset
Why data is so critical
Common mistakes made by community banks and credit unions
The evolution of the fintech-bank relationship
Human high touch vs. digital high touch
Raising capital
The San Francisco 49ers
And much more…

Connect with Craig on LinkedIn

Connect with PitchIt:

Tweet me @ToddFintech
Connect with me on LinkedIn
Find previous PitchIt episodes
Email me at todd@fintechnexus.com

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On the news show today we discussed big fintech news from Genesis, Goldman Sachs, Bitzlato, JPMorgan Chase & Co., Cornerstone Advisors, Jifiti, card processing costs, fintech layoffs, big bank mobile app usage and more.

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Pix is probably the most successful fintech product in the history of the world. It is Brazil’s instant payment system that launched in November 2020 and has taken the country by storm. More than 130 million Brazilians now use Pix and for around half of those people, it is the first digital payment tool they have ever used. If you are interested in fintech, you need to understand the Pix phenomenon.

Our next guest on the Fintech One-on-One podcast is Carlos Brandt, the Head of the Management & Operations of Pix at the Central Bank of Brazil. I spoke with Carlos at Fintech Nexus LatAm held in Miami on December 13-14 and it was the highlight of the event for many of the attendees.

In this podcast you will learn:

The role Carlos played in the development of Pix.
How his nine-year-old son helped in user experience and design.
Why they rolled out Pix to both banks as well as non-banks on day one.
Why they mandated all large financial institutions to join.
The huge number of people who have done a digital transaction for the first time.
What this means for Brazil’s economy.
How Pix has impacted the growth of e-commerce.
How they are encouraging B2B payments.
Why the Central Bank of Brazil is opening up Pix’s protocols to other central banks.
How Pix sits in relation to credit cards.
If there is a place for crypto payments rails alongside Pix.
How they are working to reduce fraud.
What is on the roadmap for 2023 and the next five years.

Connect with Carlos on LinkedIn

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User-permissioned financial data is becoming a bedrock of fintech innovation. Ever since Plaid came on the scene and enabled us to connect our bank accounts to other financial institutions, consumers have appreciated the advantages of this concept. But what the industry has really needed is an independent standard for this data sharing.

My next guest on the Fintech One-on-One Podcast is Don Cardinal, the Managing Director of the Financial Data Exchange (FDX). This non-profit organization has created a common standard for the secure and convenient access of permissioned consumer and business financial data.

In this podcast you will learn:

What attracted Don to the opportunity at Financial Data Exchange.
Don’s work at FS-ISAC and what that organization does.
The original vision for FDX and how it has evolved today.
The state of open banking in the US today.
The five core principles of financial data that FDX adheres to.
Details of the FDX API standard they have developed.
How that interfaces to the work that Plaid is doing.
How the authentication of credentials works.
Why biometric authentication is so much better than passwords.
Some of the big names who are members are FDX.
How they balance the different perspectives of banks, fintechs and consumer groups.
The connection between FDX and the Open Financial Exchange (OFX).
How they keep their own technology updated.
Don’s vision for the future of open finance.

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While there are plenty of instant payment options for consumer like Cash App, PayPal, Venmo and Zelle. But when it comes to business payments it is a different story. And those aforementioned payments are not really instant, they still settle like all other bank transactions, typically in two business days. This is all about to change.

My next guest on the Fintech One-on-One Podcast is Kevin Greene, the Chairman and CEO of Tassat Group. His company has created a blockchain-based instant payment network for banks. It works within existing banking regulations and it is live today processing around $50 billion in payments a month.

In this podcast you will learn:

What led to the founding of the Tassat Group.
The two components that differentiates what Tassat is doing.
Why he decided to join as CEO after being on the Board from the beginning.
The state of the B2B bank payments market today.
What TassatPay does and how it works.
The percentage of TassatPay transactions that occurs outside of banking hours.
How they might use smart contracts within their payments system.
How the flow of funds work for banks on the Digital Interbank Network.
The size of bank they are targeting.
What is involved in getting this setup at a bank.
Why they decided to build their system on a private permissioned blockchain.
Why Kevin is super excited about FedNow.
The state of blockchain knowledge among bank CEOs today.
Their biggest obstacle to getting people comfortable with TassatPay.
How they are working with regulators to help them understand.
What the payments system will look like in ten years.

Connect with Kevin on LinkedIn
Connect with Tassat on LinkedIn

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On the first weekly news show of 2023 we discussed big fintech news from TikTok, J.P. Morgan, Accenture, Visa, Marcus by Goldman Sachs, The Artemis Fund , Silvergate Bank, Sam Bankman-Fried, FTX, Coinbase and more.

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Making fintech news this week was Sam Bankman-Fried, FTX, Federal Reserve Bank of New York, U.S. Small Business Administration, Figure, Checkout.com, Steve McLaughlin, Banco Central do Brasil and more.

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Today, we focused on Latin America in preparation for Fintech Nexus LatAm next week. We discussed important fintech news stories from Mercado Libre, WhatsApp, PIX, Nubank, Ualá, Brazil, Binance, Plaid, IMF, Destacame and more.

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Michael Tambone, VP of Strategic Services, Epsilon, joined Todd Anderson, Chief Content Officer, Fintech Nexus, to discuss rethinking customer experiences during a downturn.

Customer needs are constantly changing, and in a digital-first environment, you have to move quickly. Global disruption and recessions only heighten that equation.

This live podcast examined how to adjust your marketing to the right level of personalization to keep your customers engaged in a downturn and how to enable your data to become more of a marketing asset.

Learn about:

Fine-tuning your marketing to keep customers more engaged
Augmenting your customer knowledge that creates more emotional connections
Using current tools to personalize while building a roadmap toward a genuinely customer-centric approach

Connect with Michael via LinkedIn

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On the news show this week with Todd Anderson and John K. White we discussed big fintech news from FTX, BlackRock, BlockFi, Pipe, the Regulated Liability Network, the House Select Committee on the Coronavirus Crisis, the U.S. Small Business Administration, Dave, Silvergate Bank and more.

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On the show this week we discussed big fintech news from FTX (of course), U.S. Department of the Treasury, JPMorgan Chase & Co., Custodia Bank, Walmart, One Inc, Shopify, BALANCE and more.

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What a busy news week in #fintech we have had. On the news show today we, of course, discussed the big story from FTX and the Binance debacle. Other companies making news include Coinbase, Twitter, Goldman Sachs, Upgrade, Inc., FedNow and more.

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On today's show we discussed big fintech news from Stripe, Chime, Coinbase, Custodia Bank, Credit Suisse, Consumer Financial Protection Bureau, Brex, RBC, Plaid and more.

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On this week's show we discussed big news from the Consumer Financial Protection Bureau, Marqeta, Adyen, Cross River, Andreessen Horowitz, Domain Money, Fundbox, LendingClub and more.

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Today, we discussed the top fintech news stories featuring Goldman Sachs, Mastercard, Paxos, Voyager, JPMorgan Chase,, Plaid, Nubank, U.S. Small Business Administration, U.S. Securities and Exchange Commission, Zelle® and more.

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Moneyhub recently conducted a report on business' reaction to the Consumer Duty regulation. The first deadline looms at the end of this month and still many are confused.

This is the full interview between Fintech Nexus' Isabelle Castro-Margaroli and Vaughan Jenkins, Director of Business Development at Moneyhub, talking about the new regulation and how it may be an opportunity for business growth.

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Nova has created products to assist migrants in gaining access to credit across borders. Their partnership with HSBC brings new capabilities.

This is the full interview between Fintex Nexus reporter, Isabelle Castro-Margaroli and Sarah Davies, Chief Data and Analytics Officer.

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On the news show today we discussed big fintech stories from Goldman Sachs, Apple, Step, BNY Mellon, Custodia Bank, BNPL, OCC, DeFiHacks, Morgan Stanley and more.

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Julia Morrongiello is the Head of Growth Europe for Zero Hash, an embedded infrastructure platform that enables any fintech to seamlessly integrate digital assets into their own customer experience. Zero Hash powers neo-banks, broker-dealers, and payment groups to offer digital asset trading and custody, crypto-backed rewards, and round-ups programs, as well as the ability to earn crypto through staking and DeFi.

Having an embedded bridge to crypto allows fintechs to remove the complexity of trying to build out their own product set. This opens the door to a wider group of companies who might otherwise think building a crypto product is not worth the effort. That simplification is helping to push adoption higher and is a key piece to the scale puzzle.

In this episode, Julia talks about the speed at which fintechs can go to market using Zero Hash, why every company will eventually become a crypto company, why most companies have not been scared away by the crypto winter, why regulation is a needed development for the long term health of the market, lessons learned from recent crypto failures, and much more.

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Victor has over a decade of experience in Data Science leadership roles at FireEye Mandiant, Awake Security, Greylock, Pivotal, and EMC. He holds 15+ patents on AI for cybersecurity and fraud detection solutions. Recognized as the Face of FireEye in 2017, the machine learning models Victor's team innovated now underpin more than $800 million of annual product line, defending against the world's most sophisticated APT malware adversaries.

Anchain.ai aims to provide transparency and establish a common knowledge of trust surrounding blockchains and cryptocurrencies so that all stakeholders can freely integrate with the next iteration of global technological infrastructure.

Our discussion centered around the current state of blockchain technology. Victor talked at length about the cybersecurity risk. There have been a number of high-profile attacks and rug pulls. The industry needs to get a better handle on current vulnerabilities. We also touched on regulation and compliance, widescale adoption, scaling and cost issues, and more.

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Brian Korn of Manatt is one of the preeminent lawyers in all of fintech. Brian has led more than 100 deals, including initial public offerings (IPOs), early-stage and start-up venture financings, fund formations, and high-yield debt financings. He also advises clients on SEC and broker-dealer/investment advisory compliance, corporate swap transactions, and blockchain technology.

In this interview, Brian discusses how investment has cooled a bit, but overall the impact has been modest. Believers in the technology are not shying away from investing and building; those on the fence are still taking a wait-and-see approach. Companies can no longer raise money at will, and due diligence has increased.

We also cover the CeFi v. DeFi debate, the downfall of centralized lenders, the user experience issues that are a barrier to greater adoption, why regulation is as much an opportunity as it is a threat, and much more.

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Frank Rotman has been around banking and fintech his entire career. As the co-founder of QED Investors he has overseen investment in many of today's fintech leaders, back when they were nascent startups whose success was far from assured.

He has shared his journey into crypto on his Twitter account, @fintechjunkie, and that has quickly become a must read. While his views have remained balanced for the most part, he has certainly developed a passion for NFTs.

In this interview Frank brings his deep knowledge of finance to bear on the crypto winter. He has some contrarian views on what this all means for DeFi and his thoughts on how we will look back at this time period are quite insightful. Be sure to listen to the very end.

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Trevor Marshall is the CTO of Current, a digital challenger bank that has its roots in crypto. The founder, Stuart Sopp, was ahead of his time as he started his digital bank in 2015 with the idea of incorporating crypto into the very fabric of their bank.

Trevor's perspective is that we are creating the building blocks of a new financial system and the crypto winter will not change that. The Pandora's box has been opened and it can't be closed again.

He also pointed out that what pulled crypto out of its last winter was DeFi, with new apps that created value for users. A long bull run followed but what is different in 2022 is that all asset classes are down as the Fed is raising rates significantly for the first time in many years.

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Ram Ahluwalia is a fintech pioneer who was the founder and CEO of PeerIQ, which he sold to Cross River Bank in 2021. Since then he has focused on the crypto space building the crypto business inside Cross River. Today, he is building a new startup focused on crypto that is still in stealth mode.

He talked about one of the silver linings of the this unique time period is that in Congress there is bipartisan support for legislation that will bring crypto into a regulatory framework. That is what the industry needs to move forward.

Another positive of the crypto winter is that DeFi has proven itself to be more resilient with the likes of MakerDAO, Compound and Aave performing as expected. This is a notable accomplishment.

Watch a video of the full interview here.

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Liz Mathew is the Global Head of BD & Partnerships for Metamask Institutional which is part of leading blockchain technology company ConsenSys.

She makes the point that from her perspective the crypto winter has been a learning experience for many in the crypto space as they realize that their risk management was not as robust as it should have been.

But companies like Metamask Institutional continue to build product for DeFi and the crypto winter has not diverted attention away from that.

You can watch the full video interview here: https://www.youtube.com/watch?v=JcVTxZOXTkc

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Alexandra Steinberg Barrage is a Partner at law firm Davis Wright Tremaine LLC. and was formerly a senior executive at the FDIC. She leads the bank regulatory digital assets practice at the
She talks about the impact the crypto winter has had on crypto companies and more importantly the millions of consumers who have lost assets during the downturn. It is impressive that crypto ownership has been holding steady during this time.

One thing that is clear: more regulation is coming for crypto, particularly given the disruption over the past few months.

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Jonah Crane is a partner at Klaros Group, an advisory firm focused on the future of financial services at the intersection of business strategy and regulatory strategy,.

He works with a number of crypto companies who are looking to work with banks as well as banks looking to get into the crypto space, so he has an interesting perspective on the crypto space.

In this episode of our Crypto Winter Series Jonah talks about the advantage for crypto companies building during this time and why the industry needs to do a better job at self-policing.

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Matthew Le Merle is the Co-Founder and Managing Partner at Blockchain Coinvestors. He has been investing in the crypto space since 2014. His fund of funds approach has invested in 400+ blockchain and crypto projects including approximately 60% of all blockchain unicorns.

He has seen crypto winters come and go and is one of the most experienced operators in the space. In this episode of our Crypto Winter Series Matthew compares this downturn to previous bear markets and shares why this is actually a good thing for the industry.

More importantly he shares where the industry is going and his thoughts on the future.

Check out our full Crypto Winter Series here.

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Kirill Bensonoff is the CEO and Co-Founder of New Silver, a real estate lender that is using DeFi to fund their short term bridge loans. They are a pioneer in bring real world assets to DeFi through Centrifuge and MakerDAO.

Kirill has also been a crypto enthusiast for many years and has a unique perspective on the market. He provides his perspective on the crypto winter and why this crypto winter is different to previous bear markets.

Check out our full Crypto Winter Series here.

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John Sun is a fintech industry veteran who is currently the CEO and Founder of Spring Labs. Spun out of leading consumer lender Avant, Spring Labs is building a new system for exchanging sensitive data securely and quickly through patented tokenization technology.

From its founding in 2018 Spring Labs has been built using blockchain technology and provides one of its many great use cases. The work they have done around credit data and identity, in particular their partnership with TransUnion, is breaking new ground for the industry

John provides a unique perspective on the crypto winter as his company continues to be busy building the technology that will underpin the future of finance.

Check out our full Crypto Winter Series here.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled NFTs and Creator Monetization.

Speaking at this session is Catherine Porter, Meta with Moderator: Adam Chernichaw, Allen & Overy LLP.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Stumbling Blocks to Stepping Stones: Building the Future of Finance From Vision to Reality.

Speaking at this session are Gilles Gade, Cross River, Caitlin Long, Custodia Bank, with Moderator: Lucinda Shen, Axios.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Will DeFi Eat the World?

Speaking at this session is Liz Mathew, ConsenSys with Moderator: Bo Brustkern, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, The Role of NY DFS in Fostering Financial Innovation.

Speaking at this session is Adrienne Harris, NYDFS with Moderator: Garry Reeder, American Fintech Council.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Can Financial Services Replicate the Amazon Experience?

Speaking at this session are Sarah Clark, Mastercard, Ahron Geminder, HSBC, Mike Tuchen, Onfido with Moderator: Bo Brustkern, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Building a digital marketplace bank: the agility of a fintech, the resilience of a bank.

Speaking at this session is Scott Sanborn, LendingClub with Moderator: Karen Webster, PYMNTS.com.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, The Future of Consumer Finance is Digital—Why Your Checking Account May Be the Key.

Speaking at this session is Swati Bhatia, Marcus by Goldman Sachs with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Achieving Scale Through Customer Alignment.

Speaking at this session is Chris Britt, Chime with Moderator: Paul Stamas, General Atlantic.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Why the Future of Payments Will be Blockchain-Based.

Speaking at this session are Mike Cagney, Figure, Matthew Maxey, Synovus, Wade Peery, FirstBank with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, Why Every Bank Needs a Crypto Strategy.

Speaking at this session is Terry Angelos, DriveWealth with Alan Lane, Silvergate Bank.

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This recording is from Fintech Nexus USA (formerly known as Fintech Nexus USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, How the World's Largest Digital Bank Brought Millions of People into the Financial System.

Speaking at this session is David Vélez, Nubank with Moderator: Nigel Morris, QED Investors.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from our Keynote stage and is titled, How VCs are Navigating Today's Turbulent Market.

Speaking at this session is Matt Harris, Bain Capital Ventures with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: How Fintechs Are Tackling Decades of Financial Inequity.

Speaking at this session are Tim Lucas, SaverLife, Teddy Flo, Zest, Hameto Benkreira, Padsplit, with Moderator: Meredith Fuchs, Plaid.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Creative Ways of Serving the Credit Challenged.

Speaking at this session are Joe Whitchurch, Mission Lane, Rodney Williams, Solo Funds, Neil Desai, Kafene, Billie Chitimbire, Esusu with Moderator: Eva Wong, Borrowell.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Overdrafts are Going Away: There are Better Alternatives.

Speaking at this session are Aaron Plante, Chime, Joel Schwartz, DoubleCheck, Zuben Matthews, Brigit, Seth Ross, Ceridian with Moderator: Marisa Walster, Financial Health Network.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: How Fintech is Solving the Unique Needs of Freelance Workers.

Speaking at this session are Oz Alon, Honeybook, Jared Kogan, Giggle Finance, Kristen Anderson, Catch, Lilac Bar David, Lili with Nicole Casperson, Workweek.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: Fintech and The Coming Explosion in B2B eCommerce.

Speaking at this session are Alek Koenig, Settle, Ashish Jain, Slope, Manolo Atala, Fairplay, Scott Galit, Payoneer with Moderator: Jacob Haar, CIM.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Promoting Positive Outcomes for BNPL Consumers.

Speaking on this session is Mark Luber, Equifax, with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: How Fintech is Finally Disrupting Auto Finance.

Speaking at this session are Kevin Bennett, Caribou, Michia Rohrssen, Upstart, with Moderator: Joseph Cioffi, Davis & Gilbert.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: The Future of Open Banking: Usability‚ not Connectivity.

Speaking at this session are Adam Gibson, Flinks, Andy Sheehan, Mastercard, Shmulik Fishman, Argyle, Wendy Cai-Lee, Piermont Bank with Moderator: Paul Diegelman, Fiserv.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: What Security Risks and Fraud Vectors Follow the Embedded Shift?

Speaking on this session are Charley Ma, Alloy, Amanda Swoverland, Unit, Somrat Niyogi, Gusto, Charlie Deutsch, Homebase with Moderator: Phin Upham, Haymaker Ventures.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: Don’t Get Caught….Embed!.

Speaking at this session is Rob Frohwein of Keep Financial

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: Which Financial Services Should be Embedded?

Speaking at this session are Jon Fry, Lendflow, Peter Hazlehurst, Synctera, Nick Chandi, ForwardAI, Amit Parikh, Green Dot with Moderator: Emily Man, Redpoint Ventures.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Closing Wealth and Opportunity Gaps for Hourly Workers & Communities of Color.

Speaking on this session are Adam Roseman, Steady, Erin Coltrera, University of Pennsylvania, Bonin Bough, Lockstep Ventures, with Moderator: Deirdre Clute, Rightfoot.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: The Power that Influencer Marketing has to Bridge the Gap in Financial Literacy.

Speaking at this session are Nicky Senyard, Fintel Connect, CJ MacDonald, Step, Carie Kelly, BankProv, Milan Singh, TikTok Influencer with Moderator: Renita Young, Bloomberg.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Prize-Linked Savings and Beyond: How Banking Innovation is Driving Financial Health.

Speaking at this session is Arijit Roy, Truist, with Moderator: Tim Flacke, Commonwealth

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Financial Health: Fintech Demonstrates its Impact - Sponsored by Plaid and is titled: Finance Without Borders: Enabling Financial Health for New Immigrants.

Speaking at this session is Sarah Davies, Nova Credit, with Atul Ranjan, American Express.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Broad-Based Credit Scores & Custom Lender Models; How they Intersect Across the Ecosystem.

Speaking in this session are Kevin Moss, Independent Consultant, Jeff Andrews, Applied Data Finance, Haiyan Huang, Prosper, with Moderator: Alex Johnson, Fintech Takes.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: The State of Consumer Lending Today Post Pandemic.

Speaking at this session are Lindsay Burkhalter, Curinos, Rosemary Kelley, KBRA, with Moderator: John Wirth, TransUnion.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Providing Greater Certainty for Loan Approvals.

Speaking at this session are Bobby Ritterbeck, Marlette Funding, Rich Franks, Credit Karma, with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: Use of AI Technology in the Full Spectrum Lending World.

Speaking at this session are Justin Wickett, Informed, Michael Qin, Capital One, with Moderator: John Siracusa, Bank On It Podcast.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: The State of Small Business Lending Post Pandemic.

Speaking at this session are Ryan Rosett, Credibly, Jim Granat, Enova, with Moderator: Denada Ramnishta, Lendio.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: Using Data in New Ways For Better Loan Decisions.

Speaking at this session are Pete Lord, Codat, Adrian Congiu, Silicon Valley Bank, with Laurent Nizri, Paris Fintech Forum.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Beyond Transactions to Relationships: Where do Consumer Lenders Go Next?

Speaking at this session are Tom Burnside, LendingPoint, David Kimball, Prosper, Matthew Bochenek, Avant, Jeffrey Meiler, Marlette Funding with Moderator: Larry Chiavaro, LPC Associates.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: How Fintechs are Scaling Credit Card Businesses.

Speaking at this session are Dipanjan Das, SoFi, Gary Singh, Zeta, Paul Flanigan, Railsbank, Brandt Smallwood, Bilt Rewards with Moderator: Nik Milanović, This Week in Fintech.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fireside Chat and is titled: From Funding to Forgiveness: Leveraging Embedded Finance to Power Student Debt Savings.

Speaking at this session is Niranjan “Ram” Ramaswamy, Fiserv, with Laurel Taylor, Future Fuel.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Reconciling Responsible BNPL With the Need for Access.

Speaking at this session are Zahir Khoja, Afterpay, Greg Wright, Experian, Arad Levertov, Sunbit, Yaacov Martin, Jifiti with Moderator: Kim Gerhardt, The Fintech Interactive.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: Creating a Virtuous Fintech Ecosystem for Small Businesses.

Speaking at this session are Rob Daniel, Intuit, Cetin Duransoy, Fundbox, Luke Voiles, Square Banking, Tui Allen, Shopify with Moderator: Brock Black, Lendio.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: Embedded Finance for Brands - Is It the Future?

Speaking at this session are Tim Dardis, Alviere, Luvleen Sidhu, BM Technologies, with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Embedded Finance: Every Company Can Become a Fintech - Sponsored by Fiserv and is titled: Cryptocurrency and the Evolution of Embedded Finance.

Speaking at this session are Snehal Fulzele, Cion Digital, Shamir Karkal, Sila Inc., Bulent Tekmen, Colendi, with Moderator: Jillian Cohn, Mouro Capital.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: BNPL for Business: A Massive and Complex Opportunity.

Speaking at this session are Prashant Fuloria, Fundbox, Vanessa Colella, Visa, Jason Lakey, TransUnion, Jann Parish, GLU Girls Like You with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: Lending to Micro-businesses: The Most Underserved SMB Market.

Speaking at this session is Sean Salas, Camino Financial, with Moderator: Jacob Haar, CIM

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: SMB Fintech: New Solutions for Lending & Banking - Sponsored by Fundbox and is titled: SMB lending: Adapt to succeed.

Speaking at this session are Robin Smith, Mambu, Chris Scislowicz, Accenture, with Moderator: Glenn Goldman, Plurall.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove, and is titled: The Different Paths to Catching Synthetic ID Fraud.

Speaking on this session are Albert Roux, Onfido, Ahron Geminder, HSBC, Naftali Harris, SentiLink, Alex Constantino, Imprint with Moderator: David Ehrich, AIR.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove, and is titled: The Identity “Hot” Seat: A "Fire"-Side Chat.

Speaking in this session are Sarah Clark, Mastercard, Travis Jarae, Liminal, with Rodger Desai, Prove.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: The Digital Transformation of Customer Experience.

Speaking on this session are Yogesh Mulwani, Backbase, Rick DeLisi, Glia, with Moderator: Brenda Sharton, Dechert LLP.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: Creating Efficient Capital Markets for the Multi-Trillion-Dollar Lending Industry.

Speaking at this session are Nelson Chu, Percent, Conor Neu, Pier Asset Management, Brendan Carroll, Victory Park Capital, Jerry Wang, Hi2 Global with Moderator: Jeff Spurlock, UBS.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: Lenders Becoming Investors in their Tech Stack.

Speaking on this session are Hillel Olivestone, Cross River, Ryan Zacharia, Jam Fintop, with Moderator: Sam Bobley, Ocrolus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: How to Think About Fintech Investing Today.

Speaking at this session are Rebecca Lynn, Canvas VC, Jennifer Lee, Edison Partners, Kelly Fryer, FinTech Sandbox, Emmalyn Shaw, Flourish with Moderator: Molly Holsinger, Allen & Overy.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: The Intersection of Fintech, Wealth Creation, and Web3.

Speaking at this session are Jordan Wexler, Earlybird, Dave Abner, Gemini, Victor Fang, AnChain.ai, with Moderator: Alex Touma, Allen & Overy.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove, and is titled: Working Together to Win Together: Creating a Culture of Collaboration.

Speaking at this session are Lisa Henderson, EPSILON Data Management, LLC, Jena Cohen, JP Morgan, with Moderator: Len Covello, Engage People.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: The Professionalization of Venture and the VC Landscape.

Speaking at this session is Frank Rotman, QED Investors.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: How to Build a Modern Capital Stack.

Speaking at this session are Benjamin Wu, Brex Asset Management, Peter Sterling, Neuberger Berman, Satwik Seshasai, Clearco, Yasmin Moaven, Pipe with Moderator: Billy Libby, Upper90.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: The Shifting State of Fintech Investing - Sponsored by Allen & Overy and is titled: Why Investors Are Betting on the Residential Real Estate Asset Class.

Speaking on this session are Jeff Glass, Hometap, Bruce Schuman, Kiavi, Brett Crosby, PeerStreet , Mitch Rosen, YieldStreet with Moderator: Prabhakar Bhogaraju, Finlocker.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: Frictionless Fraud Prevention: Fintech’s Balancing Act.

Speaking at this session are Gasan Awad, Experian, Ibo Dusi, Revolut, Ashish Gupta, LendingPoint, with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: How to build a risk department for the future.

Speaking on this session are Lei Chen, Marcus by Goldman Sachs, Srinath Srinivasan, Ramp, Ido Lustig, Bizi, Ashish Gupta, LendingPoint with Moderator: Conor Burke, Inscribe.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: Flipping the Data Experience with Open Finance.

Speaking at this session are Jess Turner, Mastercard, Kristy Kim, Tomo Credit, with Moderator: Julapa Jagtiani, Federal Reserve Bank of Philadelphia.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: Reducing Risk of Buy Now Pay Later Fraud.

Speaking on this session are Tim Brown, Prove, Kevin Gosschalk, Arkose Labs, Tom Shell, DataVisor, with Moderator: Jeff Meyers, Citi Impact Fund.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: The next big trend, Pay with Points.

Speaking on this session is Len Covello, Engage People, with Moderator: Yizhu Wang, S&P Global.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: A Holistic View of Real-Time Payments.

Speaking at this session are Brady Harris, Dwolla, Dimitri Dadiomov, Modern Treasury, Will Graylin, OV Loop, with Moderator: Paul Byrne, Zai.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: The Next Wave of Mainstream Adoption: Bridging Crypto and Cash.

Speaking at this session are Larry Angelilli, MoneyGram, Justin Rice, Stellar Development Foundation, with Moderator: Robin Nunn, Morgan Lewis.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: Real-time Access to Wages.

Speaking at this session are Lindsay Davis, Atomic Financial, Andrew Brown, Check, Tim Astanov, TabaPay, Hamel Kothari, Brigit with Moderator: David Beam, Mayer Brown.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: Real-Time Payments and Cryptocurrency.

Speaking at this session is Christopher Smalley, Customers Bank, with Moderator: Daniel Webber, FXC Intelligence.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: Fast Access to Money for a Fast-Moving World.

Speaking at this session are Lisa McFarland, Ingo Money, Pushpa Nagalingam, Clover, George Bowen, Step, with Moderator: Nicole Stiller, Visa.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: Real-Time Payments, Data, and Cards: The Game-Changing SMB Dashboard.

Speaking at this session are Barry Spain, Tribal Credit, Hany Fam, Markaaz, James Celli, LoanPaymentsPro, with Moderator: Mike Panrarella, Rocket Dollar.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: A New Wave of Global Money Movement for SMBs.

Speaking at this session is Marwan Forzley, Veem, with Moderator: Nicole Stiller, Visa.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: A New Vision for Fintech Lending.

Speaking on this session is Tom Dempsey, Rocket Mortgage, with Moderator: Geoff Green, Salesforce.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Attracting High-Demand Talent Must Begin with Fostering Innovation and a Sense of Autonomy..

Speaking at this session are Luke Voiles, Square Banking, David Klein, Commonbond, with Moderator: Isabelle Freidhem, Athena.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Social Investing, Meme Stocks and the Future of the Retail Investor.

Speaking at this session are David McDonough, Commonstock, Jay Woods, DriveWealth, Rishi Khanna, Stocktwits, David Dindi, AtomicVest inc. with Moderator: Andrew Dix, Crowdfund Insider.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Embrace the Evolution: from Start-up to Diversified Fintech.

Speaking at this session are Al Crawford, BHG Financial, Tyler Crawford, BHG Financial, with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Inflation, Interest Rate Hikes, War, and Bear Markets: What is an Investor To Do?

Speaking on this session is Milind Mehere, Yieldstreet, with Moderator: Peter Renton, Fintech Nexus

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Rethinking the 255 Steps Involved in Buying and Selling a Home.

Speaking at this session are Tyler Baldwin, Reali, Rutul Davé, Maxwell, Lane Hornung, Zavvie, Maria Rincon, Homeward with Moderator: Linda Ann Bartosch, Dechert LLP.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Innovations in Lending Tech: Preparing for the Future in a Constantly Evolving Lending Ecosystem.

Speaking at this session are Amyn Dhala, Mastercard, Lisa Kimball, Finicity, Kurt Weiss, Ekata, with Moderator: Raymond Pucci, IDC Financial Insight.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: SMB Lending Reimagined - A Futuristic View of How Open Finance Will Change Access and Distribution of Capital.

Speaking on this session is Denada Remnishta, Lendio, with Brock Blake, Lendio.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Fintech in 2027 - Sponsored by Mastercard and is titled: Real Estate in 2022 & Beyond: Making Alternative Investments More Accessible.

Speaking on this session is David Vincent, Cadre, with Moderator: Luisa Beltran, Barron's.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: Is Fintech Good For Consumers?

Speaking on this session are Chris Peterson, University of Utah, Campbell Gibson, Avant, Ulrico Izaguirre, Affirm, Clyde Vanel, NYS Assembly with Moderator: Cornelius Hurley, Boston University.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: Reimagining Fintech Regulation to Foster Innovation.

Speaking at this session are Caitlin Long, Custodia Bank, Ashley Harris, Figure, Yana Miles, AFC, with Moderator: Michele Alt, Klaros Group.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: Building the Framework for the Regulation of Digital Assets.

Speaking at this session are Julapa Jagtiani, Federal Reserve Bank of Philadelphia, Chelsi Bennet, Block, Kaitlin Asrow, NYDFS, Kara Calvert, Coinbase with Moderator: Dave Grimaldi, Blockchain Association.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: Fintech - Policy and Politics, how to move innovation forward through proactive engagement and consistent advocacy.

Speaking in this session are Eugene Shvartsman, Cross River, Jesse Honigberg, Cross River, with Phillip Goldfeder, Cross River.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: How states are leading the charge on setting the rules on digital assets.

Speaking at this session are Clyde Vanel, NYS Assembly, Raj Mukherji, NJ Deputy Speaker, with Moderator: John Beccia, FS Vector.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: Fintech, Financial Inclusion, and CRA – How Will it Come Together?

Speaking at this session are Brian Waters, findCRA, Armen Meyer, LendingClub, Chris Pilkerton, Accion Opportunity Fund, Colin Darke, Rocket with Moderator: Marty Mitchell, ProBank.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Regulation for the Next Phase of Fintech - Sponsored by Cross River Bank and is titled: How to Reinvigorate Government's Approach to Innovation.

Speaking at this session is Sultan Meghji, with Moderator: Phil Goldfeder, Cross River Bank.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: Securitizing real-world assets with DeFi.

Speaking at this session are Kirill Bensonoff, New Silver, Jeannice Tse, Centrifuge, monetsupply, MakerDAO, with Moderator: Jason Jones, END-Labs.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: How Stablecoins and CBDCs can Work Together.

Speaking at this session are Jonah Crane, Klaros Group, Catherine Gu, Visa, Alexandra Barrage Steinberg, Davis Wright, Carmelle Cadet, EMTECH with Moderator: Aaron Kaplan, Prometheum.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: The Operational Considerations of Launching a Crypto Product.

Speaking at this session is Neil Chopra, Fireblocks, with Moderator: Sean Lippell, Fintech Collective.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: DAOs: are they better or just different?

Speaking at this session is Eric Hill, BanklessDAO, with Moderator: Bo Brustkern, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: Bridging Traditional and Decentralized Finance to Unlock the Most Value for Consumers.

Speaking at this session are Trevor Marshall, Current, Dan Reecer, Acala, with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: TradFi & DeFi: Friends, Not Enemies.

Speaking at this session are Liz Pagel, TransUnion, John Sun, Spring Labs / ky0x, with Moderator: Frank Rotman, QED Investors.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: How can Fintech companies use Digital-Assets-as-a-Service?

Speaking on this session are Mark Daly, Zero Hash, Kirupa Pushparaj, Step, with Moderator: Simon Taylor, 11:FS.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: Innovations in Bitcoin.

Speaking at this session are Rahm McDaniel, NYDIG, Ahon Sarkar, Helix, with Moderator: Brian Korn, Manatt

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Web3 & CBDCs: The Future of Money is Here - Sponsored by NYDIG and is titled: How Crypto Will Become the Financial System of the Internet.

Speaking at this session are Ram Ahluwalia, Layer Zero Wealth, Alex Mashinsky, Celsius, with Moderator: Helene Panzarino, LIBF.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Deep Dive into Bank Data and Cash Flow Underwriting.

Speaking at this session are Shawn Princell, RIBBIT, Sarah Davies, Nova Credit, Jason Gross, Petal, Chris McKay, OppFi with Moderator: Melissa Koide, FinRegLab.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Credit & Underwriting: AI, More Data and Better Tools - Sponsored by Trust Science and is titled: Next for Lenders: Staying with Borrowers from Lead to Loan.

Speaking on this session is Evan Chrapko, Trust Science, with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Removing Bias in Lending for a More Equitable Financial System.

Speaking at this session are Teddy Flo, Zest, Ulysses Smith, Blend, Casey Powers, Climb Credit, Alexandria Franks, Equifax with Moderator: Rebecca Kuehn, Hudson Cook, LLP.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Credit & Underwriting: AI, More Data and Better Tools - Sponsored by Trust Science and is titled: Modern Approaches to Launching New Lending Products.

Speaking at this session are Eddie Oistacher, Peach Finance, John Scrofano, Remitly, with Moderator: Hal Bienstock, Prosek Partners.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Reimagining the human touch with AI.

Speaking in this session is Pankaj Kulshreshtha. Scienaptic, Paul Quintero, Ascendus, John Witterschein, Bethpage, Murli Buluswar, Citi with Moderator: Peter Renton, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Doing More with Less to Build Trust and Deter Fraud While Protecting Privacy.

Speaking at this session are Dennis Maicon, IDology, Eric Levine, Berbix, Dr. Catherine Havasi, Basis Technology, with Moderator: Satish Lalchand, Deloitte.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Credit & Underwriting: AI, More Data and Better Tools - Sponsored by Trust Science and is titled: Using Human Analytics in a Digital World.

Speaking at this session are Jack Alton, Neuro-ID, Parilee Wang, Alloy, with Moderator: Todd Anderson, Fintech Nexus.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Credit & Underwriting: AI, More Data and Better Tools - Sponsored by Trust Science and is titled: How Payroll APIs are Helping Lenders Meet the Credit Needs of the Underserved.

Speaking at this session are Kurtis Lin, Pinwheel, Chris DiMarco, Perpay, with Moderator: Rahul Kishore, Coatue Management.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Digital Is Table Stakes: Now What?

Speaking in this session are Seth McGuire, Chief Revenue Officer, Galileo Financial Technologies, David Kilin VP of finance, Current, with Moderator: Luis Valdich, Citi Ventures.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Building a Neobank from Scratch: Foundation, Core and Vendors.

Speaking at this session are Agustin Sanchez, TrueNorth, Rhett Roberts, LoanPro, Sankaet Pathak, SynapseFi, with Moderator: Jason Jones, End Labs.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Delivering a Modern User Experience Goes Beyond Technology.

Speaking at this session is Travers Clarke-Walker, Thought Machine, Brian Barnes, M1 Finance, with Moderator: Stephanie Khoo, NYCA Partners.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Building Familiarity and Sustained Confidence into the BNPL Ecosystem.

Speaking at this session is Chiro Aikat, Mastercard, with Moderator: Daniel Keyes, Javelin Strategy & Research.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Transitioning to a digital-first world in banking and lending.

Speaking at this session is Tim Welsh, U.S. Bank, with Moderator: Ron Shevlin, Cornerstone Advisors.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies, and is titled: How to Find the Diverse Talent You Need in Order to Generate the New Clients You Want.

Speaking at this session are Dr. Marlene Fuller, Citizens Financial Group, Dion Harrison, Elevate, Rachana Bhatt, PNC Bank, with Moderator: Stephanie Eidelman, The iA Institute.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: The Secrets to Finding the Right Fintech Partnership.

Speaking at this session are Yasmin Lalani, Partnership Fund For New York City, Arthur Saitta, Ridgewood Savings Bank, Anabel Perez, NovoPayment, Robert Perrelli, Alliant Credit Union, with Moderator: Mark Fiorentino, Index Ventures.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

From the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Why the real threat for banks is complacency.

Speaking at this session are Chris Dean, Treasury Prime, Chris Tremont, Chief Digital Officer, Grasshopper, Miguel Fernandez, Capchase, with Moderator: Dan Allred, Silicon Valley Bank.

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This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022.

It is from the track: Banking Crosses into its Digital Future: Sponsored by Galileo Financial Technologies and is titled: Embedded Finance: Ubiquity or Winner-Take-All?

Speaking at this session are Michael Haney, Technysis, Curt Queyrouze, CCBX, with Moderator: Joe Kaczmarek, RSM.

Fintech Nexus: Recent Episodes