Fintech Takes

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!

  1. Fintech Takes x Chime presents Banking on Primacy Episode 3: Banking at Work

    FA 1 DIA

    Fintech Takes x Chime presents Banking on Primacy Episode 3: Banking at Work

    Welcome to Banking on Primacy, a four-part podcast miniseries from Fintech Takes, sponsored by Chime. The series orbits one question that has become the most contested in consumer finance: what does it take to earn (and hold) the most important relationship in someone's financial life? In Episode 3, I sit down with Jason Lee, Chief of Chime Enterprise. We unpack fintech as an employee benefit, which is compelling in theory but harder in practice than most founders expect. Employers don't wake up wanting fintech products. They want workers who stay. Jason founded DailyPay in his basement in 2015, built it into a multi-billion dollar company, and now looks after Chime's employer-facing business after Chime acquired his second company, Salt Labs. His read on what it actually takes to make this model work is fascinating.  Why do most earned wage access products only reach 30% of a workforce and what serves the other 70%? Why does brand recognition drive employee adoption more than the product itself? Now that earned wage access is morphing into the financial health industry, where does that leave point solutions? This episode is brought to you by Chime. For most Americans, their primary bank account is their most important financial relationship. Traditional banks held that position and took it for granted. Chime was built differently: fee-free, built to succeed when members do, and now America’s #1 banking choice with roughly 10M active members. Chime Prime takes that further: 5% cash back, savings rates up to 9x the national average, premium travel perks, no fees. See how at https://www.chimeprime.com/ 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 Jason: https://www.linkedin.com/in/jasonleem2/

    49 min
  2. Losing Big

    FA 2 DIES

    Losing Big

    Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Jonathan Cohen, Policy Lead at the American Institute for Boys and Men and author of Losing Big: America's Reckless Bet on Sports Gambling. In keeping with a theme that we've been building on around here, today's episode is about sports betting, gambling, prediction markets, and the infiltration of all of these activities into financial services apps.  We cover the 2018 Supreme Court ruling that had almost nothing to do with gambling and everything to do with states' rights; the frictionless mobile nature of betting today and what that unlocked; the research on young men, loneliness, and financial nihilism that explains why this landed where it did; and the CFTC's decision to classify sports prediction market contracts as swaps, which handed the industry a green light that may not survive the next Supreme Court term. We also get into Robinhood's role as backend infrastructure for Trump accounts, and what it means that young men may soon inherit a government-seeded investment account from the same company that's pushing them toward sports betting. Check out Jonathan's book here: https://a.co/d/0bbrz0IR  This episode is brought to you by Persona.  The best fintechs expand what's possible for users. Persona does that for fraud prevention. Their recently upgraded link analysis tool surfaces connections in real time, letting you spot deepfakes, identity farms, and fraud rings during onboarding and investigations.  They just published their Fraud Leader's Guide to Link Analysis, a practical look at today’s top risk signals, automating decisions, and scaling link analysis for fraud prevention. Download it now: http://withpersona.com/ftt-fraud  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 Jonathan: LinkedIn: https://www.linkedin.com/in/jonathan-cohen-6219b989/    Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

    1 h 2 min
  3. Fintech Takes x Chime presents Banking on Primacy Ep 2: The Bifurcation of Rewards

    14 DE MAIG

    Fintech Takes x Chime presents Banking on Primacy Ep 2: The Bifurcation of Rewards

    Welcome to Banking on Primacy, a four-part podcast miniseries from Fintech Takes, sponsored by Chime. The series orbits one question that has become the most contested in consumer finance: what does it take to earn (and hold) the most important relationship in someone's financial life? In Episode 2, I sit down with Vineet Mehra, Chief Growth and Marketing Officer at Chime, to dig into the rewards economy in banking. Americans deposit ~70% of their income into checking accounts, but that account returns almost nothing. Meanwhile, the most valuable rewards in consumer finance have migrated to the credit side (and increasingly to a narrow tier of premium cardholders who can afford to play the game). Vineet walks through how Chime is trying to collapse that bifurcation with Chime Prime, and why the primary account relationship is the right place to start. Why did credit cards become a prestige product while the checking account stayed a utility? What does it mean to design rewards for usage rather than breakage, and why does a payments-driven business model make that easier to commit to? How does brand building work differently when your target isn't a premium cardholder but the 200 million Americans who feel underserved by traditional banks? This episode is brought to you by Chime. For most Americans, their primary bank account is their most important financial relationship. Traditional banks held that position and took it for granted. Chime was built differently: fee-free, built to succeed when members do, and now America’s #1 banking choice with roughly 10M active members. Chime Prime takes that further: 5% cash back, savings rates up to 9x the national average, premium travel perks, no fees. See how at https://www.chimeprime.com/ 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 Vineet: https://www.linkedin.com/in/vineetmehra1/ Learn more about Chime here: https://www.chimeprime.com/

    55 min
  4. The Rise of Sports Gambling

    13 DE MAIG

    The Rise of Sports Gambling

    Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Danny Funt, author of the book Everybody Loses: The Tumultuous Rise of American Sports Gambling. This episode isn’t really about sports. It’s about how sports gambling evolved in the U.S. from a patchwork of legal quirks, a highly coordinated state-by-state lobbying campaign, and a set of product dynamics that, over time, became increasingly adversarial to the customer. Danny and I walk through the key inflection points: from the 1992 PASPA (Professional and Amateur Sports Protection Act) federal ban, to the fantasy sports exemption that gave FanDuel and DraftKings their head start, to the widely misunderstood 2018 Supreme Court ruling, to the rise of VIP host programs and affiliate-driven media incentives. And finally, to prediction markets, which in Danny’s view look a lot like a compressed replay of the same playbook. For anyone in financial services watching gambling and investing collapse into each other in real time, this conversation has a lot to say about where that's heading. Check out Danny’s book here: https://a.co/d/04liSaKI This episode is brought to you by Persona.  The best fintechs expand what's possible for users. Persona does that for fraud prevention. Their recently upgraded link analysis tool surfaces connections in real time, letting you spot deepfakes, identity farms, and fraud rings during onboarding and investigations.  They just published their Fraud Leader's Guide to Link Analysis, a practical look at today’s top risk signals, automating decisions, and scaling link analysis for fraud prevention. Download it now: http://withpersona.com/ftt-fraud  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 Danny: LinkedIn: https://www.linkedin.com/in/danny-funt-2695b4a3/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

    1 h 9 min
  5. Fintech Takes x Chime presents Banking on Primacy Ep 1: The Fight for Primacy

    11 DE MAIG

    Fintech Takes x Chime presents Banking on Primacy Ep 1: The Fight for Primacy

    Welcome to Banking on Primacy, a four-part podcast miniseries from Fintech Takes, sponsored by Chime. The series orbits one question that has become the most contested in consumer finance: what does it take to earn (and hold) the most important relationship in someone's financial life? In Episode 1, I sit down with Mark Troughton, President at Chime, to dig into primacy. We kick things off with a structural argument most banks won't make: the checking account is the front door for traditional banks, but for Chime, it's the product. That single distinction shapes where you invest, what you build, and who you're actually building for. From there, Mark walks through the “silent switch”, the hierarchy of consumer financial needs, and why Chime is currently opening 50% more checking accounts than Chase in the mass market. What does it take to win a primary relationship in 2026?  What does trust look like when you're building it without branches?  What does a financial institution owe the customers it's trying to keep? This episode is brought to you by Chime. For most Americans, their primary bank account is their most important financial relationship. Traditional banks held that position and took it for granted. Chime was built differently: fee-free, built to succeed when members do, and now America’s #1 banking choice with roughly 10M active members. Chime Prime takes that further: 5% cash back, savings rates up to 9x the national average, premium travel perks, no fees. See how at https://www.chimeprime.com/ 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 Mark: https://www.linkedin.com/in/matroughton/ Learn more about Chime here: https://www.chimeprime.com/

    47 min
  6. Fintech Recap: PFM's AI Moment, Super Apps, and the PACE Act

    6 DE MAIG

    Fintech Recap: PFM's AI Moment, Super Apps, and the PACE Act

    We kick things off with personal financial management, a category I've been following through three distinct generations. From Mint and Credit Karma to newer subscription tools, the core problem hasn’t changed; most folks don’t want to manage their money. Now, with OpenAI acquiring Hiro and Perplexity AI partnering with Plaid, PFM is shifting from dashboards to AI agent interfaces. But is this solving an information problem, or a behavior problem? Next, we get into the return of the fintech super app, using Bolt (the one-click checkout company that raised $355M at an $11B valuation) as the case study. Despite years of hype, we get into why super apps keep failing in America (where consumers are  happy to use multiple apps on their phone as long as each one’s great). Finally, we turn to the PACE Act, a proposed bill aimed at giving non-banks seeking access to Fed master accounts. It’s a more formal attempt to solve a long-standing infrastructure problem, but the requirements raise an obvious question: if fintechs still need to navigate state licensing and the Fed retains discretion, who would actually benefit? Plus, in our Can't Let It Gos: Kalshi and Polymarket are moving into crypto perpetual futures, a Mexican merchant applied dynamic currency conversion without asking (Jason won the chargeback), and Ryan Atwood's second career as a crypto skeptic. This episode is brought to you by Persona.  Persona is the identity verification platform trusted by fintech's fastest-growing teams, from YC-backed startups to publicly traded companies. Build your identity program with enterprise-grade tools, starting at $0 with Persona's Startup Program. Fintech Takes listeners can get a full free year through Persona’s Startup Program at withpersona.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

    1 h 15 min
  7. Fintech Takes x C&R presents Collections Conversations Ep 8: The AI Execution Gap

    30 D’ABR.

    Fintech Takes x C&R presents Collections Conversations Ep 8: The AI Execution Gap

    Welcome back to Collections Conversations, a new miniseries from Fintech Takes, sponsored by our friends at C&R Software. The series digs into how generative AI is reshaping debt collections; what it enables, what it complicates, and why it might finally force the industry to retire the word “collections” altogether. In Episode 8, I sit down again with Ed Wallen, CEO of C&R Software, for a broader view of AI across the entire customer lifecycle. Ed's diagnosis on large bank AI adoption: leadership has made the commitment, but impact is limited. Models aren’t yet embedded into the workflows that drive day-to-day decisions. It's like having Google Maps open but still taking the route you know from memory. He calls it intelligence without execution. From there: why centralized AI teams keep falling short. (They’re not sitting with the collections agents or navigating the edge cases). Collections is exceptions at scale, and some of those exceptions will always require a human in the loop. We cover build vs. buy and how to vet AI-native vendors in a market where every company claims to be one.  Ed's advice: build the moat, not the model. This episode is brought to you by C&R Software.  More than just debt collection, C&R sets the global standard for AI-native, humanized credit management. They simplify the complex with end-to-end credit-risk lifecycle support, powered by automated workflows, AI-native intelligence, and real-time, data-driven decisioning. Learn more at https://hubs.ly/Q03Wl1DY0. 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 Ed: https://www.linkedin.com/in/edwallen/ Learn more about C&R Software here: https://hubs.ly/Q03Wl1DY0

    44 min
  8. The Historical Roots of Stablecoins

    29 D’ABR.

    The Historical Roots of Stablecoins

    Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Mike Hsu, former Acting Comptroller of the Currency. I recently crossed paths with Mike at the Bank of North Dakota's fintech and stablecoin event in Fargo, where he led a 90-minute session on stablecoins from a policymaker's perspective. It was so impressive I wanted an interactive version for the podcast. In this episode, we trace the historical lineage of stablecoins from free banking before the Civil War, through the Eurodollar market, money market funds, Satoshi Nakamoto's white paper, and Facebook's Libra announcement … all the way up to the GENIUS Act.  All regulation is path-dependent. To understand why policymakers react the way they do to stablecoins, you have to understand what shaped them. Mike’s reading (and listening) recommendations from the episode: Bank Notes and Shinplasters by Joshua R. Greenberg: https://www.pennpress.org/9780812252248/bank-notes-and-shinplasters/ Ways and Means by Roger Lowenstein: https://bookshop.org/p/books/ways-and-means-lincoln-and-his-cabinet-and-the-financing-of-the-civil-war-roger-lowenstein/317ffa9e260a1186 "Are Banks Special?" by E. Gerald Corrigan (Minneapolis Fed, 1982): https://www.bu.edu/econ/files/2012/01/Corrigan-Are-Banks-Special_main-text.pdf Odd Lots, “The Hidden History of Eurodollars, Part 1: Cold War Origins:” https://omny.fm/shows/odd-lots/the-hidden-history-of-eurodollars-part-1-cold-war Satoshi Nakamoto's Bitcoin white paper: https://bitcoin.org/bitcoin.pdf Facebook’s Libra: https://en.wikipedia.org/wiki/Diem_(digital_currency)  Circle's Arc litepaper: https://arcnetwork.xyz/litepaper Boom: Bubbles and the End of Stagnation by Byrne Hobart and Tobias Huber: https://press.stripe.com/boom This episode is brought to you by Persona.  Persona is the identity verification platform trusted by fintech's fastest-growing teams, from YC-backed startups to publicly traded companies. Build your identity program with enterprise-grade tools, starting at $0 with Persona's Startup Program. Fintech Takes listeners can get a full free year through Persona’s Startup Program at withpersona.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 Mike: LinkedIn: https://www.linkedin.com/in/michael-hsu-992257347/   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

    1 h 1 m
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Informació

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!

Fitxa tècnica

  • Creació
    Alex Johnson
  • Anys en actiu
    2022 - 2026
  • Episodis
    226
  • Qualificació
    Explícit
  • Copyright
    © Copyright 2026 Alex Johnson
  • Lloc web del programa
    Fintech Takes

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