エピソード

  • Why Neobanks Are Buying Their Own Core Banking Software

    Why Neobanks Are Buying Their Own Core Banking Software
    2026/06/06
    Episode 35 explores a surprising shift in fintech: neobanks like Monzo and Chime are moving away from third-party core banking providers and building or acquiring their own infrastructure. Lucas and Luna break down the economics behind this strategy, focusing on Monzo's 2024 acquisition of a core banking platform for $50 million and how that decision has changed its unit economics by 15 basis points on deposits. They discuss why scale triggers this move, the trade-off between speed and control, and what it means for the next generation of digital banks. If you're building or investing in fintech, this episode gives you a concrete framework for understanding when vertical integration makes sense for a digital lender. #Fintech #Neobanks #CoreBanking #Monzo #Chime #BankingInfrastructure #VerticalIntegration #UnitEconomics #FintechStrategy #DigitalBanking #Payments #Business #Technology #FexingoBusiness #BusinessPodcast #FintechConversations #BankingSoftware #Episode35 Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Fintech Is Using Voice Biometrics for Fraud Prevention

    How Fintech Is Using Voice Biometrics for Fraud Prevention
    2026/06/06
    In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how voice biometrics is transforming fraud prevention in banking and payments. They dig into Nuance Communications' integration with major banks, the shift from knowledge-based authentication to passive voice recognition, and how deepfake threats are pushing the industry toward liveness detection. Specific examples include Barclays' voice ID system handling over 10 million validations and the rise of 'voiceprint' technology reducing call-center fraud by 80 percent. The hosts also discuss regulatory challenges in Europe and the balance between security and privacy. Tune in for a focused look at why your voice might be the next password. #VoiceBiometrics #FraudPrevention #Fintech #Banking #Payments #NuanceCommunications #Barclays #Deepfake #LivenessDetection #CallCenterFraud #Authentication #Security #Privacy #Regulation #Business #Technology #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How Buy Now Pay Later Is Reshaping BNPL in 2026

    How Buy Now Pay Later Is Reshaping BNPL in 2026
    2026/06/05
    Episode 33 dives into the buy now, pay later sector's biggest shift since its explosion: the move toward regulation, credit reporting, and sustainable underwriting. Lucas and Luna examine Affirm's risk-adjusted APR model, Klarna's pivot to high-APR installment lending, and the ripple effects of the Consumer Financial Protection Bureau's latest interpretive rule on BNPL lenders in 2026. They unpack real numbers: how Affirm's 36 percent APR cap has changed loan performance, why Klarna's UK loan book is shifting toward longer terms, and what the proposed BNPL credit reporting mandate means for consumers' credit scores. The episode also touches on Apple Pay Later's quiet exit and what that signals about profitability pressures in the space. No broad overview — this is a focused look at how BNPL is maturing from a regulatory grey area into a structured credit product that looks more like traditional lending than its early positioning suggested. #BuyNowPayLater #BNPL #Affirm #Klarna #ApplePayLater #ConsumerFinance #CFPB #Regulation #CreditReporting #Fintech #Payments #Underwriting #APR #InstallmentLending #ConsumerCredit #Business #Finance #FexingoBusiness Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • How Fintech Is Using Climate Risk Data for Lending

    How Fintech Is Using Climate Risk Data for Lending
    2026/06/05
    Episode 32 of Fintech Conversations explores a rapidly emerging trend: lenders incorporating climate risk data into credit decisions. Lucas and Luna examine how startups like Jupiter Intelligence and Riskiq are providing granular data on flood, wildfire, and heat risk, and how banks like JPMorgan and Bank of America are piloting climate-adjusted loan pricing. They discuss the data sources—from satellite imagery to insurance loss models—and the challenges of standardizing climate risk across regions. The episode also touches on regulatory pressure from the OCC and ECB, and the ethical questions of climate redlining. Key numbers: 12 percent of commercial real estate loans in the US are in high-risk flood zones, and climate-adjusted loan losses could add 30 basis points to loss-given-default by 2030. This is a fresh take on credit scoring innovation, moving beyond alternative data like utility payments into geospatial and climate modeling. #Fintech #ClimateRisk #Lending #CreditScoring #ClimateData #JupiterIntelligence #Riskiq #JPMorgan #BankOfAmerica #OCC #ECB #SatelliteImagery #CommercialRealEstate #ClimateRedlining #Business #Technology #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Fintech Is Using Open Banking for Subscription Management

    How Fintech Is Using Open Banking for Subscription Management
    2026/06/04
    In this episode of Fintech Conversations, Lucas and Luna explore how open banking APIs are enabling a new wave of subscription management tools. They focus on the case of a UK-based startup called Yapily, which uses open banking to give consumers a single dashboard to view, manage, and cancel recurring payments across accounts. Lucas explains how Yapily's technology taps into standardized banking APIs to aggregate subscription data in real time, and discusses the broader trend of fintechs using open banking to solve the 'subscription fatigue' problem. They also touch on regulatory differences between the UK, EU, and US, and what this means for consumer control. The episode ties in recent 2025 data showing that the average consumer spends nearly $250 per month on subscriptions, with many unaware of active charges. Lucas and Luna debate whether this represents a genuine innovation in personal finance management or just a niche tool for the organized few. #Fintech #OpenBanking #SubscriptionManagement #Yapily #PersonalFinance #APIs #Banking #Payments #ConsumerFinance #FintechStartups #RegulatoryTech #UKFintech #Business #Technology #FexingoBusiness #BusinessPodcast #Podcast #Finance Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Fintech Is Using Alternative Data for Mortgage Lending

    How Fintech Is Using Alternative Data for Mortgage Lending
    2026/06/04
    In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintech companies are using alternative data—like rent payments, utility bills, and bank account cash flow—to underwrite mortgages for borrowers with thin credit files. They dive into a specific case: a 2026 pilot by a major nonbank lender that uses transaction-level data to approve self-employed applicants who would be rejected by traditional FICO-based models. The hosts discuss why the mortgage industry has been slow to adopt alternative data, how regulators are responding, and what this means for the future of homeownership. Key stats include a 20% increase in approval rates for self-employed borrowers and a 15% reduction in early-stage delinquency compared to traditional FHA loans. The conversation also touches on the role of the GSEs—Fannie Mae and Freddie Mac—in standardizing alternative data usage. Tune in for a focused look at one of fintech's most impactful shifts in consumer lending. #Fintech #Mortgage #AlternativeData #ConsumerLending #CreditScoring #NonbankLenders #SelfEmployed #FICO #CashFlowUnderwriting #GSEs #FannieMae #FreddieMac #Homeownership #Business #Technology #FexingoBusiness #BusinessPodcast #FintechPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Plaid Is Unbundling the Consumer Bank Account

    How Plaid Is Unbundling the Consumer Bank Account
    2026/06/03
    Episode 29 of Fintech Conversations explores how Plaid is quietly moving beyond simple account linking into a full consumer finance operating system. Lucas and Luna examine Plaid's new data-sharing APIs, its beta launch of Plaid Credit in early 2026, and the company's push to let users switch direct deposits, manage subscriptions, and build a portable credit history—all without leaving apps like Venmo or Coinbase. The episode drills into the $400 million Plaid invested in its new privacy-first architecture and what this means for traditional banks like Chase and Bank of America. Specific examples include how Plaid's 'Smart Sync' feature reduced merchant subscription churn by 30% for early partners, and why the CFPB's proposed 1033 rule could make Plaid the central nervous system of consumer finance. If you're building or investing in fintech, this is the unbundling story you need to understand. #Plaid #BankingAsAService #OpenFinance #ConsumerBanking #DataAggregation #PlaidCredit #Fintech #CFPB #1033Rule #SubscriptionManagement #DirectDeposit #APIEconomy #FinancialData #PortableCredit #Unbundling #Business #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Fintech Is Using Tokenization to Secure Payments

    How Fintech Is Using Tokenization to Secure Payments
    2026/06/03
    In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how payment tokenization is quietly becoming the backbone of digital transaction security. They break down how tokenization replaces sensitive card numbers with unique digital tokens, reducing fraud and simplifying compliance. The hosts discuss real-world examples like Apple Pay and major card networks, explain the difference between tokenization and encryption, and look at how tokenization is enabling new payment methods including click-to-pay and wearable devices. Lucas and Luna also touch on the role of tokenization in the shift toward a cashless society and what it means for merchants and consumers. A couple of dollars a month helps keep these conversations ad-free — buy me a coffee dot com slash fexingo. #Fintech #Payments #Tokenization #Security #DigitalPayments #ApplePay #EMV #CardNetworks #FraudPrevention #Commerce #Business #Technology #FintechConversations #FexingoBusiness #BusinessPodcast #Podcast #CyberSecurity #PaymentInnovation Keep every episode free: buymeacoffee.com/fexingo
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    11 分