This Week in Fintech's Podcast

This Week In Fintech
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This Week in Fintech’s Podcast is where the decision makers shaping the future of finance come to talk candidly about what’s working, what’s breaking, and what’s coming next in fintech. Hosted by Nik Milanović, founder of This Week in Fintech and General Partner at The Fintech Fund, the show goes beyond headlines to unpack the real stories behind product decisions, regulation, and market shifts with leading founders, C-suite execs, and ecosystem veterans. This is your front-row seat to the people and ideas moving money into the future. ⭐Top 40 Best Financial News Podcasts! ⭐ according to https://blog.feedspot.com/financIf you’re looking to expand your network and knowledge of fintech, look no further than the This Week In Fintech podcast. 

  1. Okay, So You've Got a Stablecoin… Bhau Kotecha on What Happens After You Go On-Chain

    FEB 17

    Okay, So You've Got a Stablecoin… Bhau Kotecha on What Happens After You Go On-Chain

    This week, Stablecon’s Justin Friedman was joined by Bhau Kotecha, co-founder and CEO of Paxos Labs, for a discussion on the transformative potential of stablecoins and tokenization. Bhau and Justin examine how these technologies are redefining the way we think about financial tools, usability, interoperability, privacy, and the economics of stored value. Finally, Bhau offers predictions on whether stablecoin liquidity will consolidate into U.S. dollar-denominated assets or grow organically across the world’s currencies.

    43 min
  2. Coinbase Q4 '25 Earnings: A conversation with Coinbase CFO Alesia Haas

    FEB 13

    Coinbase Q4 '25 Earnings: A conversation with Coinbase CFO Alesia Haas

    This Week in Fintech's Nik Milanovic sat down on February 12th, 2026 to talk with Coinbase CFO Alesia Haas about 2025 year-end earnings. Some topics they covered: Market Expansion: Coinbase doubled trading volume and market share in 2025, diversifying beyond crypto with Deribit acquisition.Revenue Resilience: Despite market softness in Q4, Coinbase showed strength through diversified revenue, supported by retail investors’ “buy the dip” behavior.On-Chain Vision: Coinbase aims to lead the shift to on-chain financial services, blending traditional and crypto assets for a tokenized future.Institutional Growth: Thousands of institutional clients are driving increased trading and demand for cross-margining products, with custody for 80% of ETF balances.Stablecoin Strategy: USDC holdings grew to $18 billion, enhancing trading and payment services while driving growth in Coinbase One membership.Future Focus: Heavy investment in derivatives as key growth area, emphasizing diversification to meet evolving customer needs and market trends.

    11 min
  3. Revolutionizing Payroll: The Earnin Story with Ram Palanappian

    JAN 20

    Revolutionizing Payroll: The Earnin Story with Ram Palanappian

    In this episode, Nik Milanovic interviews Ram Palanappian, the CEO and Founder of Earnin, a fintech company that is revolutionizing how employees access their wages. Ram shares the origin story of Earnin, which began when he realized that many employees were struggling with cash flow issues, leading to late fees and overdraft charges. He discusses how he initially provided employees with early access to their earned wages, which evolved into a full-fledged product that allows users to access their pay in real-time, thereby reducing financial stress and improving overall financial health. Ram emphasizes the importance of shifting payroll systems from being employer-centric to employee-centric, allowing workers more control over their earnings. Chapters 00:00 Introduction and Setup 00:39 Multitasking in Conversations 00:44 Introduction to FinTech Trends 00:44 The Future of Digital Banking 00:47 Introduction to Earnin and Its Mission 04:10 Revolutionizing Payroll: Employee-Centric Solutions 10:36 Adoption Across Industries: Who Benefits Most? 11:50 The Small Business Perspective: Benefits of Earned Wage Access 12:59 How Earnin Works: A User's Journey 14:03 Monetization Strategies: How Earnin Generates Revenue 17:06 Consumer Risks and Mitigation Strategies 20:18 Ensuring Data Accuracy: The Source of Truth 21:54 Employer Customization: Tailoring Earnin to Specific Needs 22:46 Insights from Data: Understanding Consumer Financial Health 23:58 Collaborations and Studies: Researching Labor Dynamics 25:52 Looking Ahead: The Future of Earnin and Payroll 26:36 Cross-Border Challenges in Business Growth 29:57 Future Product Development and Innovations 31:48 Inspiration from Other Industries 34:49 Leveraging AI for Financial Products 37:13 The Role of Stablecoins in Transactions 39:28 Wage Growth vs. Inflation Dynamics 42:32 The Future of Payroll: Continuous Pay 43:44 Team Growth and Hiring Opportunities

    46 min
  4. Agentic Commerce is here w/ Michelle Gill, PayPal

    12/18/2025

    Agentic Commerce is here w/ Michelle Gill, PayPal

    An agentic future of commerce is coming faster than merchants think—and PayPal wants to make sure small businesses don’t get left behind. In this live Money20/20 2025 episode of This Week in Fintech, hosts Nik Milanović and Jillian Williams sit down with PayPal’s Michelle Gill, EVP and General Manager of Small Business Financial Services, for a deep dive into how AI agents will transform shopping, loyalty, and merchant discovery. They talk about the next phase shift in commerce: a world where over 40% of shopping journeys may start in chat surfaces, and agents—not humans—do the heavy lifting on search, comparison, and even checkout. Michelle explains why this upends traditional ideas about websites, SEO, and brand, and why “discoverability” and rich product descriptions become the new battleground for merchants of all sizes. The trio dig into big questions shaping this new landscape: - How will small businesses compete when shopping begins in agent interfaces instead of on their storefronts? - What new infrastructure and open protocols are needed so merchants can “integrate once and propagate everywhere” across AI surfaces? - Where does loyalty live when consumers no longer visit your website—but still expect rewards, points, and personalized offers to “just work” in their wallet? - How far are consumers willing to let agents spend on their behalf, and what new trust markers will replace today’s checkout experiences? Michelle also offers a small-business lens on AI: where it can save time first (customer service, email, hiring), where it could power new B2B flows like inventory and reordering, and why AI might both compress margins and lower barriers to becoming a proprietor. She argues that the real opportunity is in turning wasted browsing time into higher-value, more delightful discovery and post-purchase experiences. Stay to the end for a rapid-fire round on Michelle’s recent favorite book, her current AI toolkit, and what she thinks the payments and e-commerce landscape could look like a decade from now. If you care about the future of agentic commerce, small business resilience, or how PayPal is positioning itself for the next era of the internet, this is an episode you won’t want to miss.

    39 min
  5. How Nubank Rewrote Brazil’s Banking Rules with Cristina Junqueira

    12/04/2025

    How Nubank Rewrote Brazil’s Banking Rules with Cristina Junqueira

    We sit down with Nubank co-founder Cristina Junqueira for a candid look at how frustration with fee-first banking led to a product people loved, and how that vision scaled across Brazil. We explore hard-won lessons on leadership, communication, regulation, and why AI plus open finance will reshape money. • leaving an incumbent bank to build customer-first products • forming the founding team and starting with nothing • operating through credit cycles, fraud pressure and regulation • leadership growth, emotional intelligence and storytelling • selling the vision internally and externally • customer impact from fair credit and savings features • Brazil’s policy tailwinds with PIX and open finance • AI as a financial co-pilot and US expansion plans

    27 min
  6. Modern Treasury Unlocking Payment Innovation with Stablecoins

    11/18/2025

    Modern Treasury Unlocking Payment Innovation with Stablecoins

    In this conversation, Nik Milanović discusses the evolving landscape of stablecoins and digital payments with Dan Mottice and Matt Marcus from Modern Treasury. They delve into the recent acquisition of Beam by Modern Treasury, the implications for the payments industry, and the potential of stablecoins to enhance financial operations. The discussion highlights the importance of regulatory clarity, the future of payment systems in the U.S., and the innovative capabilities that stablecoins can bring to money movement.

    45 min
  7. Sierra CEO & OpenAI Chair Bret Taylor - Live at M20/20. AI Bubbles, SaaS Future, and Why Sierra Wins

    11/13/2025

    Sierra CEO & OpenAI Chair Bret Taylor - Live at M20/20. AI Bubbles, SaaS Future, and Why Sierra Wins

    In today’s episode, Ryan Zauk sits down with Bret Taylor, Co-Founder & CEO of Sierra and Chairman of the Board at OpenAI.  Bret’s career is the stuff of valley legend…he is the former Co-CEO of Salesforce, former CTO of Facebook, and has been credited with building products like Google Maps and Facebook's 'Like' button.  There may not be anyone closer to AI, spanning the app layer all the way down to its core foundation. In this episode, Bret and Ryan explore several topics including how Sierra has transformed customer service, the agentic era and its consequences for software, why we ‘might’ be in an AI bubble, how Sierra differentiates to win customers like Ramp, Rocket, and Brex, where AI moats will accrue, the 3 AI megatrends he’s leaning into, and much more. Key Takeaways “Every company’s AI agent will be as important as their mobile app or their website.” Bret sees a future where AI agents replace apps and websites as the first point of contact for customers. Agents will handle workflows end to end (fraud reports, mortgage refis, account changes) across all channels, languages, and modalities. CS agents are showing immediate ROI on both the top and bottom line…For example, Rocket’s customers who engage with a Sierra agent are 3x as likely to complete a transaction vs. traditional service. At Ramp, their self-service resolution rate with Sierra’s agents is >90%. Healthcare giant Cigna is replatforming its IVR with Sierra…using AI will help businesses rethink their operating model. Outcome pricing raises the stakes for software, morphing them into true business partners. Outcome pricing will create accountability, transparency, and measurable ROI in an era of vague productivity claims. The Future of AI is 3 things. 1) Multimodal - seamless voice experience. 2) Personalized - knowing your context, preferences, and intent. 3) Proactive - solving a problem before it arises or before the customer knows it has occurred.  It’s an AI bubble, but a healthy one. The fundraising hype is alarming, but the underlying transformation is real. Similar to 1999, many firms will fail, but some will become generational winners. If you bought pets.com you lost your money. If you bought Amazon, you made history.

    19 min
  8. Unlocking Embedded Finance Opportunities with Adyen

    10/22/2025

    Unlocking Embedded Finance Opportunities with Adyen

    In this episode, Nik Milanović hosts Natalie Wexler from Adyen and Jamey Kennedy from Jackrabbit Technologies to discuss the untapped opportunities in embedded finance, particularly for small and medium-sized businesses. They explore how SaaS platforms can leverage embedded finance to enhance customer experiences, the importance of capital products, and the evolving landscape of funding for small businesses. The conversation also touches on the future of payments, including the potential of AI and stablecoins.

    43 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

This Week in Fintech’s Podcast is where the decision makers shaping the future of finance come to talk candidly about what’s working, what’s breaking, and what’s coming next in fintech. Hosted by Nik Milanović, founder of This Week in Fintech and General Partner at The Fintech Fund, the show goes beyond headlines to unpack the real stories behind product decisions, regulation, and market shifts with leading founders, C-suite execs, and ecosystem veterans. This is your front-row seat to the people and ideas moving money into the future. ⭐Top 40 Best Financial News Podcasts! ⭐ according to https://blog.feedspot.com/financIf you’re looking to expand your network and knowledge of fintech, look no further than the This Week In Fintech podcast. 

Information

  • Creator
    This Week In Fintech
  • Years Active
    2024 - 2026
  • Episodes
    143
  • Rating
    Clean
  • Copyright
    © 2026 This Week in Fintech's Podcast
  • Show Website
    This Week in Fintech's Podcast

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