『Fintech Takes』のカバーアート

Fintech Takes

Fintech Takes

著者： Alex Johnson
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 Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat. Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out. Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking. Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future. From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe. Subscribe now to join fintech’s nerdiest podcast around!Copyright 2025 Alex Johnson 個人ファイナンス 政治・政府 経済学
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  • Fintech Recap: AI, Stablecoins, and Live Money20/20 Energy!

    Fintech Recap: AI, Stablecoins, and Live Money20/20 Energy!
    2025/11/05
    Welcome back to Fintech Takes. I’m Alex Johnson, joined (as always) by my Jason Mikula, my partner in recapping, but this time we recorded live from the floor of Money20/20 in Vegas! Expect a shorter and more caffeinated episode where we riff topic to topic, grab bag style. First up, no surprise that AI was the buzzword, especially agentic AI. Conversations this year felt more grounded (not “we’re doing AI,” but which use cases make sense and which don’t; folks finally have better language and specificity to describe it). Then it’s onto the second buzziest topic: stablecoins (mostly cross-border payments and digital dollars in inflation-hit economies), while our friends at the Fed manned a booth pitching “faster payments,” which felt charmingly out of time. Next, we check in on open banking’s 14,000 comment letters, where big banks demand cost recovery, Plaid wants free access, and small banks want help surviving. From there, we fly past BaaS Island at warp speed (Evolve Bank’s latest unwanted headline!) for a deep dive into the newest Silicon Valley-meets-OCC experiment: Erebor Bank. Founded by Palmer Luckey, financed by tech money, and conditionally approved in record time (raising questions about pay-to-play politics in banking charters). Plus, in our Can’t Let It Go corner: Jason vents about the corrosive influence of crypto lobbying, and I read a truly cursed news item: Truth Social launching “Truth Gems,” a crypto prediction-market where users can bet on the future of… anything! (Yes, it’s as bad as it sounds.) Thanks for listening! This episode was brought to you by Marqeta. Don’t sacrifice agility for stability. With Marqeta, launch payments experiences that perform at scale and flex with your business. Learn more at marqeta.com/ftt. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/ Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson
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    28 分
  • Fintech Takes x Fundbox presents Engineering the SMB Capital Stack Episode 1: The State of SMB Lending

    Fintech Takes x Fundbox presents Engineering the SMB Capital Stack Episode 1: The State of SMB Lending
    2025/11/04
    Welcome to our new miniseries, Engineering the SMB Capital Stack, sponsored by our friends at Fundbox. This four-part series digs into small businesses, small business lending, and the forces reshaping how small businesses access capital. In Episode 1, I sit down with Prashant Fuloria, CEO of Fundbox (and my cohost for the episodes that follow). We kick things off with The State of SMB Lending, level-setting with data from the Federal Reserve’s 2025 report on small business credit (based on a 2024 survey of 7,600 business owners). For the first time since 2021, small businesses were more likely to report that revenues decreased rather than increased in the year prior to the survey. Translation: SMBs are surviving; not thriving. Then, we zoom out from the data to consider why costs are rising, why some businesses are defaulting instead of declaring bankruptcy, and how embedded finance is changing both borrower behavior and lender economics. Prashant brings the long view of Fundbox’s credit data to the table: how performance differs across industries, why CAC still kills standalone lenders, and how alignment among banks, fintechs, and platforms is the only sustainable model. It’s a foundational conversation for anyone tracking the next decade of SMB capital: rich with data and grounded in the here and now (with a clear sense of where the stack’s heading!). Subscribe now to catch what’s next: candid, can’t-miss conversations with leaders from Plaid, Stripe Capital, and Lead Bank! This episode was brought to you by Fundbox. As a leading capital infrastructure provider behind the digital SMB economy, Fundbox is focused on enabling platforms to embed financial tools directly into their user experiences. Learn more here. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Prashant: https://www.linkedin.com/in/fuloria/ Learn more about Fundbox here.
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    58 分
  • Risk, Rules, and the Gaps in Open Banking

    Risk, Rules, and the Gaps in Open Banking
    2025/10/29
    Welcome back to the Fintech Takes podcast. I’m Alex Johnson, joined in this episode by three guests — Steve Smith (Co-founder and CEO of Invela; former Co-founder of Finicity and Founder of the Financial Data Exchange), Todd Taylor (Co-head of Intellectual Property; Co-head of Commercial & Technology Transactions at Moore & Van Allen), and Dan Murphy (Founder of Sunset Park Advisors; former CFPB Open Banking Program Manager). That’s right, a rare four-person episode! And we’re digging into a question that’s been mostly overlooked in the open banking debate: not how data is shared, but who bears the risk when it is. As banks, fintechs, and regulators sort through liability, accreditation, and third-party risk management, the lack of a shared rulebook has become increasingly clear. The core tension: the U.S. built open banking on top of a fragmented regulatory structure and outdated third-party guidance, and everyone’s been improvising ever since. So, what happens when something breaks … and who pays for it? Highlights include: Why banks are still relying on OCC Bulletin 2013-29 and interagency third-party risk management guidance to govern a 2025 data-sharing market How Section 1033’s competition mandate at the CFPB often collides with prudential regulators’ safety-and-soundness priorities Why the industry may need a standardized accreditation framework and transparent risk registry for third parties How liability insurance and warranty-based risk-sharing could help balance accountability between banks and fintechs This episode unpacks how an open-access ecosystem can evolve toward shared accountability, and why industry-led solutions like accreditation, registries, and risk transfer mechanisms may be the only viable path forward. Thanks for listening! This episode was brought to you by Marqeta. Don’t sacrifice agility for stability. With Marqeta, launch payments experiences that perform at scale and flex with your business. Learn more at marqeta.com/ftt. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Todd Taylor: https://www.linkedin.com/in/todd-taylor-37506737/ Follow Dan Murphy: https://www.linkedin.com/in/danieljmurphy01/ For more about Steve Smith, follow Invela: https://www.linkedin.com/company/invela-network/ Follow Alex Johnson: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson
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    56 分
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