63 épisodes

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!

Fintech Takes Alex Johnson

    • Affaires

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!

    Killing It! – Leaving the Hero Complex of Foundership Behind, with Shamir Karkal, CEO of Sila

    Killing It! – Leaving the Hero Complex of Foundership Behind, with Shamir Karkal, CEO of Sila

    What happens when entrepreneurs have to face down the most difficult decision there is— knowing when it’s time to sell, shut down, or exit? 
    In this special crossover series, Alex joins Breaking Banks’ Jason Henrichs for candid conversations with fintech leaders who have experienced the loss of their company. This week, Alex and Jason talk with Shamir Karkal, CEO of Sila and former Co-Founder of Simple, which was acquired by BBVA in 2014. 
    From the early days and pain points of launching Simple to the eventual dismantlement of it by PNC in 2020, Shamir describes his journey “wandering through the wilderness” and finding his sense of identity and place in the world again. Is the founder mentality only for the young? Shamir reflects on how his hero complex and founder mentality have evolved into a more holistic approach as he enters his 40s. 
    And later, Brent Chandler, founder and CEO of FormFree, joins the conversation to talk about the mission of his company and the importance of cash flow data in the lending market. They also discuss the concept of identity and passion for entrepreneurship. 
     
    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: 
    LinkedIn: https://www.linkedin.com/in/jasonhenrichs/
     
    Follow Shamir:
    LinkedIn: https://www.linkedin.com/in/shamirkarkal/
     
    Follow Brent: 
    LinkedIn: https://www.linkedin.com/in/brentfree/
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson

    • 1h 15 min
    Killing It! - Fintech’s Biggest Disrupters on Startups, Success, and All the Hard Lessons In Between

    Killing It! - Fintech’s Biggest Disrupters on Startups, Success, and All the Hard Lessons In Between

    Things in life rarely go as planned. But things in fintech? Well…
    They almost never go as planned. 
    So how do you put yourself and your ideas into the fintech world when failure is almost certainly inevitable? What happens when ascribing to the startup grind isn’t enough to keep your company afloat? And how do you cope with the potential loss of the idea you loved so dearly?
    In this special crossover series with Breaking Banks’ Jason Henrichs, he and Fintech Takes’ Alex Johnson sit down with fintech’s biggest innovators, disrupters, and industry changers to glean lessons from their tales of failure, success, and all of the tough decisions they’ve had to make along the way, starting with Tamara Steffens, the managing director at Thompson Reuters Ventures.
    Tamara discusses her entrance into the venture capital world and reveals the bumpy road that lies ahead for fintech in 2024. And later, she explains how focusing on post-revenue and product-market fit is one of the top things any fintech company can do to position itself in a place for success. 
    Whether you simply have the spark for the next big idea, are a first-time founder, or somewhere in between, you won’t want to miss these incredible insights from some of fintech’s brightest minds. 
     
    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.
     
    Listen to the Rest of Breaking Banks here: 
    Podcast: https://provoke.fm/show/breaking-banks/#
     
    Follow Jason: 
    LinkedIn: https://www.linkedin.com/in/jasonhenrichs/
     
    Follow Tamara: 
    LinkedIn: https://www.linkedin.com/in/tamara-steffens/
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson
     

    • 51 min
    S6 Ep7: Bank Nerd Corner: New York Community Bank, Panacea Financial, the BSCA, and the State of Auto Lending

    S6 Ep7: Bank Nerd Corner: New York Community Bank, Panacea Financial, the BSCA, and the State of Auto Lending

    America’s favorite banking and fintech Editor, Kiah Haslett, drops by to unpack the latest, craziest, and hottest news in the banking world for another round of Bank Nerd Corner with Alex, and this week they’re weighing in on whether the fuss about New York Community Bank is warranted, if car dealers are conspiring to increase prices, and the unusual path of Panacea Financial.
    First up, with New York Community Bank taking on a higher refi risk to have much safer credits, we have to ask — what’s got analysts so up in arms? Why is stock price suddenly a proxy for stability for banks in the public market?
    Then, Alex and Kiah discuss Panacea Financial, a niche neobank focused on serving healthcare professionals, and its recent funding round before diving into the insane growth in car loans. With overly expensive loans being sold at overinflated car prices, is this the perfect storm for delinquency?  
    Plus, Kiah raises several unanswered questions about the BSCA and its enforcement, highlighting the potential implications for fintech partnerships with banks before going off about why deposits, not stock prices, were the reason behind SVB’s failure.
     
    3:28 AOBA Conference Highlights
    9:30 New York Community Bank
    26:35 Panacea Finacial
    38:45 Auto Loan Delinquency on the Rise
    51:37 An Unanswerable Question
    1:12:10 Go Off, Kiah!
     
    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 Kiah:
    LinkedIn: https://www.linkedin.com/in/khaslett/
    Twitter: https://twitter.com/khaslett
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson

    • 1h 22 min
    S6 Ep6: Not Fintech Investment Advice: Tip Top, Lucite, Rove, and Prosper AI

    S6 Ep6: Not Fintech Investment Advice: Tip Top, Lucite, Rove, and Prosper AI

    Simon Taylor’s back and fresh off writing his latest in-depth Q1 fintech report to chat with Alex about more potential fintech companies on the rise, including the instant cash electronic trade-in company offering a liquid market at your fingertips, an AI startup seeking to replace investment bank analysts, and the first travel card for Gen Z.
    Meet the company that sounds like eBay but we swear isn’t: TipTop. The instant cash for electronics trade-in app is banking on the hopes that people will stop thinking of electronics as something they’ll own forever, and start imagining them more like rented assets. Is this app worth investing in? Let’s just say, that if they can solve 3rd party logistics problems and make the experience frictionless, keep your eyes glued on this one.
    We hate to even ask, but… Do we really need another points/reward travel card, folks? Rove certainly thinks so, and we wish them the best of luck in the prison yard battle for points reward card supremacy they’re about to enter. Is their appeal to Gen Z enough to succeed in such a cutthroat market? 
    And later, with  Lucite promising to produce investment banking materials and forms, Alex and Simon can’t help but wonder, what will AI do with proprietary data in the years to come? 
    Plus, meet Prosper, the modern fund investment platform with a better lifetime maximum asset fee set to compete with Vanguard, and stay tuned as the guys manifest their best fintech ideas.
     
    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.
     
    Read Simon’s special Q1 earnings newsletter here: 
    https://sytaylor.substack.com/p/results-season-special-q1-2024
     
    Follow Simon:
    LinkedIn: https://www.linkedin.com/in/sytaylor/
    Substack: https://sytaylor.substack.com
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson
     

    • 55 min
    S6 Ep5: Fintech Recap: Regulators Crack Down on BaaS, Buy Now Pay Later’s Newest Offerings, Paypal (Kind Of) Shocks the World

    S6 Ep5: Fintech Recap: Regulators Crack Down on BaaS, Buy Now Pay Later’s Newest Offerings, Paypal (Kind Of) Shocks the World

    Just sit right back and you’ll hear a tale, a tale of a fateful trip. That started from this banking port aboard this tiny… okay, so we promise to give up on this BaaS island analogy eventually, but in the meantime, our cruise tickets over to BaaS island are non-refundable, so let’s dive into the latest happenings.
    With Blue Ridge Bank strapped with a second enforcement action just 18 months after its first action, we have to ask— should consumers be alarmed? And with Choice Bank also disclosing its latest enforcement action, is this more of a reflection of the apps they’re associating with (*cough* Mercury and Synapse *cough*) or is it simply an indication that regulators don’t know how to handle the level of automation and scalability in BaaS?
    Meanwhile, over in Buy Now, Pay Later land, Jason and Alex chat about the recent product offerings that Affirm and Klarna have vowed to provide, including subscription-based services and high-yield savings accounts. But more importantly, what is the point of this to consumers? Is it partially due to Klarna’s hopes to IPO or is this just pointless noise?
    According to PayPal, PayPal shocked the world. Or, um... at least they shocked one person, somewhere with their latest announcement. Jason denounces PayPal’s latest aggressive PR push, while Alex plays devil’s advocate, suggesting the brand might be going back to the basics for the better.  
    Plus, the guys discuss whether the $3.1 billion valuation of Bilt Rewards is justified, what’s up with God convincing a pastor to sell his worthless cryptocurrency, and who owns the .ai domain name. 
     
    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
     

    • 55 min
    S6 Ep4: The Nuances in Credit Underwriting that Most People Miss with Frank Rotman

    S6 Ep4: The Nuances in Credit Underwriting that Most People Miss with Frank Rotman

    Frank Rotman, Chief Investment Officer at QED Investors, makes his triumphant return to the podcast to share his wisdom on all things lending. As the first Chief Credit Officer at Capital One (before this role officially existed), Frank has an incredibly rich and nuanced perspective on topics like cashflow underwriting, the value of traditional credit data vs alternative data, and payment protection insurance.  
    In this conversation, Frank and Alex break down the importance of distinguishing willingness to pay for a loan from the ability to pay for a loan when assessing creditworthiness and wax poetic about what possibilities fintech might be missing out on when it simplifies the credit building down to these two characteristics.
    And stay tuned because later, Alex asks Frank for his predictions for the future of fintech and financial services and Frank’s answers are unlike any other predictions you’ve heard! 
     
    00:00:53 - From Lending to Writing: Frank's Journey
    00:03:05 - The Nuance of Credit Underwriting
    00:09:21 - Building Sophisticated Underwriting Models with Capital One
    00:18:12 - Understanding Reg B: Equal Credit Opportunity Act Implementation
    00:26:10 - Maximizing Accurate Pricing of Risk
    00:29:49 - Why Companies Must Explain Declines
    00:36:38 - The Unique Marvel of American Mortgages
    00:49:10 - The Truth About Predatory Lending
    00:55:18 - Innovating Credit and Insurance Delivery
     
    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 Frank: 
    LinkedIn: https://www.linkedin.com/in/frank-rotman/
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson
     

    • 1h 31 min

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