Fintech One-On-One

Peter Renton
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Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more, tune in to Fintech One-On-One.

  1. No Code Infrastructure and the Future of Lending with Timothy Li, CEO of LendAPI

    -21 Ч

    No Code Infrastructure and the Future of Lending with Timothy Li, CEO of LendAPI

    Timothy Li, CEO and Co-Founder of LendAPI, has spent nearly a decade trying to solve the same problem: launching a lending product takes too long and costs too much. With LendAPI, he's built a no-code platform that lets banks, credit unions, fintechs, and retailers go from idea to live lending product in weeks, not months or years. Think of it as a GoDaddy-style experience for financial services. Timothy joined me again on the show (he was last on in 2017) to talk about what's under the hood, what the Sunglass Hut deal reveals about embedded finance, and where he thinks AI is actually useful in lending today. What We Covered Timothy's path from the Fluid college credit app to building LendAPIHow the drag-and-drop product builder works for non-technical usersPython model deployment for credit risk officers inside the same platformWinning Best in Show at FinovateThe Sunglass Hut deal and how it came together in three monthsWhy retailers are moving away from pure-play BNPL providersIntegration options: bank cores, side cores, and direct e-commerce embedThe 300-plus partner marketplace and the SEO strategy behind itDoc AI and single-task AI agents for document processing and underwritingTimothy's experience in the CURQL accelerator and how credit unions differTeaching FinTech Fundamentals at USCThe five consumer verticals with the most opportunity in fintechKey Takeaways The build vs. buy debate is essentially over. When Timothy talks to bank CTOs today, the conversation is "can you launch this next week?" not "should we build this ourselves?" Speed to market has become the dominant concern. Pure-play BNPL approval rates are outside a retailer's control and can swing 10 points overnight. Private label embedded finance, built on infrastructure like LendAPI, lets retailers and banks own the underwriting criteria and the customer experience, which matters especially for high-ticket items where the financing decision happens in-store. Single-task AI agents are the near-term opportunity in lending, not fully automated credit decisions. Automating document verification, data extraction, and intake workflows saves minutes per application, and at scale, that compounds quickly. The five consumer fintech verticals worth building in: mortgages, auto, credit cards and personal loans, payments, and bank accounts. If it's in someone's wallet, there's still work to do. About Timothy Li Timothy Li is the CEO and co-founder of LendAPI, a no-code lending platform that launched in 2024 and won Best in Show at Finovate. He previously built Fluid, a credit-building app for college students, and has been building lending infrastructure across multiple ventures over the past decade. He also taught FinTech Fundamentals at the University of Southern California. Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    35 мин.
  2. Building the AI Enablement Layer for Financial Services with Kareem Saleh, CEO of FairPlay

    9 АПР.

    Building the AI Enablement Layer for Financial Services with Kareem Saleh, CEO of FairPlay

    Kareem Saleh is the CEO and co-founder of FairPlay, an AI enablement platform helping financial institutions test, tune, and monitor AI systems in production. Four years after his first appearance on the show, Kareem returns to discuss how FairPlay has evolved from credit model fairness into a full AI enablement infrastructure layer and why the rise of generative and agentic AI has made that work more consequential than ever. What We Covered How generative AI changes the definition of fairness in financial servicesThe shift from model validation to continuous, system-level testingFairPlay's three core capabilities: testing, optimizing, and validating AI systemsHow one customer added one day to their model development cycle but saved 60–90 days in compliance reviewThe 25–33% of declined applicants who would have performed as well as the riskiest approvalsWhy the question for legacy institutions has flipped, from "is AI safe enough to try?" to "is it riskier not to adopt AI?"The political environment and how fairness demand reconfigures, not disappears, across administrationsState-level regulatory frameworks filling the federal enforcement gapKareem's Congressional testimony on AI and algorithmic biasThe agentic AI opportunity in KYC, BSA, and AML workflowsRegulatory look-back risk and why today's decisions can become 2029's consent ordersCash flow underwriting risks and climate risk as underappreciated threats to credit portfoliosConnect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    33 мин.
  3. Jess Conroy, CEO of ROH, on Building the Financial Core Hotels Never Had

    2 АПР.

    Jess Conroy, CEO of ROH, on Building the Financial Core Hotels Never Had

    Most of us assume that major hotel brands have sophisticated financial systems running behind the scenes. In this episode, Jess Conroy, CEO and co-founder of ROH, explains just how wrong that assumption is — and why she's spent the last several years building the financial core that hospitality never had. What We Covered: The manual payments problem hiding in plain sightWhy the biggest hotel brands have the biggest challengesThe hidden complexity of every hotel transactionWhy the hospitality industry was overlooked by fintechHow ROH got its start in meetings and eventsWhat "AI-first" actually means at ROHHow ROH fits into the existing hotel software stackThe go-to-market reality of a franchise-heavy industryA transaction-based model that aligns incentivesScale and growth: managing over $1 billion across the portfolioThe stale data problem driving bad hotel decisionsThe vision: a financial foundation for every hotel dollarKey Takeaways Hotel payments are a solved problem almost everywhere except hospitality itself — the industry's bias toward "human solves" left it behind.The complexity of hotel transactions (variable pricing, upgrades, OTAs, group contracts) makes automation far more valuable here than in simpler retail or restaurant contexts.Building something that didn't exist before is the hardest sales motion — you're not replacing a known tool, you're educating a market about a problem they've learned to live with.Year-over-year expansion within existing hotels is the clearest signal of product-market fit — customers keep expanding their use once they're on the platform.About Jess Conroy Jess Conroy is the CEO and co-founder of ROH, a financial infrastructure platform for hotels. A second-time founder, she has spent nearly 15 years building in and around the hospitality industry. ROH is currently managing over $1 billion in hotel transactions across its growing portfolio. Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    32 мин.
  4. Building the First Agentic Brokerage with Leif Abraham, Co-CEO of Public

    26 МАР.

    Building the First Agentic Brokerage with Leif Abraham, Co-CEO of Public

    My next guest on the Fintech One-on-One Podcast is Leif Abraham, the co-CEO of Public.com. Public has been carving out a really interesting niche in the brokerage space. They're not trying to be another discount broker competing on free stock giveaways. Instead, they're building what Leif calls the first truly agentic brokerage, where AI agents can actually help you construct and manage your portfolio. In this episode, we discuss Public's decision to move away from payment for order flow and why trust and transparency are so central to their strategy. We also talk about their fascinating Generated Assets product that lets you essentially prompt your own personalized ETF, their nuanced take on prediction markets and why they're drawing a clear line between portfolio tools and sports betting, and how AI agents are starting to take on work that has traditionally been done by financial advisors. In this podcast you will learn: The opportunity that Leif saw when he started Public.How the dynamic works between Leif and his co-CEO, Jannick Malling.How he describes Public today.How their Generated Assets offering allows investors to create custom ETFs.Why their decided to move away from Payment for Order Flow.How they are marketing themselves directly to the consumer.What Leif thinks about prediction markets and how Public will offer them.What they are planning when it comes to AI agents for wealth management.How Leif views the rollover market for retirement accounts.Their plans for the Crypto market.What success will look like for Public over the next five years.Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    33 мин.
  5. Non-Dilutive Capital for AI and SaaS Companies with Denada Ramnishta of Efficient Capital Labs

    19 МАР.

    Non-Dilutive Capital for AI and SaaS Companies with Denada Ramnishta of Efficient Capital Labs

    My guest today is Denada Ramnishta, the Chief Revenue Officer at Efficient Capital Labs. I've known Denada for over a decade, having first met her during her time at American Express where she was part of the early team building out merchant financing. She's been a consistent champion for democratizing capital access for small and medium-sized businesses, and now she's doing that at ECL, which provides non-dilutive funding and cross-border payment infrastructure for AI and SaaS companies. In this episode, we dig into how ECL approaches revenue-based financing differently from others in the space, their AI-driven underwriting system called Aura, the fascinating origin story behind their cross-border payments product ECL Flow, why VCs are actually their top referral source, and how they're adapting their underwriting as SaaS pricing models shift from recurring revenue to usage-based models. We also discuss the so-called SaaS apocalypse and what Denada is actually seeing on the ground from the founders she works with every day. In this podcast you will learn: Her journey from American Express to Efficient Capital Labs.What her time at Amex taught her about building responsible lending products.What ECL does exactly.What has been learned from the high profile stumbles in revenue based financing.How debt funding has been misunderstood by founders.Why VCs are the number one deal source for ECL.Their underwriting system called Aura and why it is unique.How Aura has allowed them to evolve their underwriting process.Why they decided to expand to underwriting companies that operate cross border.Why they created ECL Flow and expand into cross border money movement.Where they will be expanding this new infrastructure.Denada’s thoughts on the SaaS apocalypse.As pricing models change for SaaS, how they are adapting their underwriting models.How they are able to grow fast with very low charge off rates.What is next for ECL.Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    34 мин.
  6. Amir Wain, CEO of i2c, on Turning Payment Declines into Trust-Building Moments

    13 МАР.

    Amir Wain, CEO of i2c, on Turning Payment Declines into Trust-Building Moments

    Payment declines happen millions of times a day, but how a financial institution handles that moment of failure can define the entire customer relationship. My guest on this episode is Amir Wain, the Founder and CEO of i2c, a global payments and banking infrastructure company he has been building for more than 25 years. Amir is a serial entrepreneur who made a foundational architectural bet early on: that a single, customer-centric, composable platform built for all products and all geographies would ultimately win over the industry's prevailing approach of stitching acquisitions together. That bet has paid off. Today, i2c powers card and banking programs across 200-plus countries for financial institutions, fintechs, and governments alike. In our conversation, we dig into how modern unified payments infrastructure enables real-time contextual decisioning, why the moment of a payment decline is actually an opportunity to build customer trust, how i2c thinks about balancing fraud prevention with false positives, and what the rise of agentic AI means for the authorization process, and for keeping the human customer at the center of it all. In this podcast, you will learn: The evolution in Amir’s thinking that led to the founding of i2c.When he realized that architecture will determine the destiny of the business.How i2c has evolved over the last 25 years.How contextual decisioning in the authorization process has become a differentiator for i2c.Where traditional infrastructure falls short in authorization decisions today.What fraud signals are the most important when balancing friction and user experience?How the industry can balance personalization and data privacy.The three segments of the market that i2c is focused on.How they are thinking about moving beyond payments.How they are planning for the world of autonomous AI agents making transactions.How far away we are from agentic commerce having significant scale.What keeps Amir excited today about the future.Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    34 мин.
  7. Transforming the Middle Layer of Banking with the CEO of Aliya

    5 МАР.

    Transforming the Middle Layer of Banking with the CEO of Aliya

    In banking, we often talk about the "front end" customer experience or the "back end" systems of record. But according to S.P. “Wije” Wijegoonaratna, the founder of Aliya, the real revolution is happening right in the middle. From his early days in the UK to his time in the high-stakes world of New York hedge funds and his role as an early investor at SoFi, Wije has consistently found himself at the intersection of financial data and decision-making. At its core, Aliya is an operational intelligence layer that sits between a bank's customer-facing front end and its core system of record, what Wije calls "the middle." It combines transaction categorization trained on 1.5 trillion transactions from nearly 1,500 banks, dynamic risk segmentation, and real-time post-origination monitoring into a single microservices platform. In our conversation, we discuss why Aliya went after the largest banks first, how their approach to post-origination risk management drives charge-off rates as low as 2.5%, why Wije believes Nubank poses an existential threat to regional and community banks, and why he thinks the biggest opportunity in banking today lies in transforming that middle layer. In this podcast, you will learn: How meeting Mike Cagney and the founders of Palantir was the catalyst for the birth of Aliya.Why they decided to start with helping banks with lending.The two core offerings Aliya has today.Why the cumulative losses on their portfolio is far better than most lenders.How they decide when to take action on a consumer that may be having problems.Why they chose to focus on selling to the large banks first.What they are providing to the large banks exactly.Why Aliya doesn’t fit into any fintech category.Where the biggest opportunity for Aliya is today.Why Wije believes Nubank is going to be successful in the US.What is next for Aliya.Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    31 мин.
  8. Building a Community Bank for the Embedded Banking Era with Chris Black, CEO of Thread Bank

    26 ФЕВР.

    Building a Community Bank for the Embedded Banking Era with Chris Black, CEO of Thread Bank

    My latest guest is Chris Black, CEO of Thread Bank, a Nashville-based community bank that has been purpose-built around embedded banking. Chris came to banking by way of a career as an Air Force pilot, followed by time on Wall Street analyzing banks during the financial crisis, before eventually making his way into community banking in Nashville. He partnered with fintech investor Joe Maxwell of Fintop Capital to recapitalize a small Tennessee bank and transform it into an embedded banking platform focused on vertical software companies serving small businesses. In our conversation, Chris talks about how Thread navigated the BaaS regulatory storm of 2023 and 2024, what they look for in fintech partners, and how their fiduciary-first philosophy was already in place long before regulators came calling. We also discuss the wave of fintechs now seeking bank charters, the future of community banking in America, and what Thread has on the horizon with the launch of embedded lending and merchant acquiring. In this podcast you will learn: Lessons Chris learned during his time in the Air Force.How the idea for Thread Bank came together.How they took the acquired bank and made it ready for embedded banking.When they took on their first fintech partner.What they are looking for in a fintech partner.Where Chris sees the biggest opportunity for Thread.How Thread navigated the BaaS regulatory hurricane of 2023 and 2024.Why the shift in regulatory focus with the Trump Administration has not changed their thinking.What Chris thinks about all the fintechs that are now acquiring bank charters.What it takes for a new fintech to be onboarded with Thread.The process when a fintech wants to do something that Thread does not think is reasonable.The key to a thriving community bank sector over the next decade.What exciting developments are coming down the pipe.Connect with Fintech One-on-One: Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

    34 мин.
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Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more, tune in to Fintech One-On-One.

Информация

  • Автор
    Peter Renton
  • Годы выхода
    2013 - 2026
  • Выпуски
    628
  • Ограничения
    Без ненормативной лексики
  • Авторские права
    © 2026 © 2025 Renton & Co. LLC
  • Сайт подкаста
    Fintech One-On-One

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