71 episodes

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

    • Business
    • 4.8 • 5 Ratings

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!

    S7 Ep2: BNC: The Relationship Between Stock Prices and Bank Health, Tokenization’s Disruptive Potential, and Lots of FHLB Talk with Steven Kelly.

    S7 Ep2: BNC: The Relationship Between Stock Prices and Bank Health, Tokenization’s Disruptive Potential, and Lots of FHLB Talk with Steven Kelly.

    In this super special edition of Bank Nerd Corner, Alex and Kiah are joined by Steven Kelly, the Associate Director of Research at the Yale Program on Financial Stability.
    They dive into the Q1 Bank Earnings, debating exactly how much stock prices matter in determining bank health. Is there too much emphasis placed on the connection between stock prices and deposit runs at the bank? Kiah, Alex, and Steven debunk some of the biggest misconceptions about bank solvency and unravel how banks have always operated at negative equity—and why that doesn’t mean they won’t turn a profit eventually.
    Later, Steven shares his insights into tokenization outside of its crypto origins and explains which aspects of the underlying blockchain technology regulators are most excited about. What are the downsides and risks? And despite crypto’s widespread problems, how will blockchain technology sustain outside of it?

    Plus, the gang also unpacks the role of the FHLB in the banking system, discusses the explosive growth of private credit, and gets into a heated debate about the merits of… potatoes. Yep—you heard that right. Kiah has some *thoughts* about the mediocrity of potatoes. We never said they were correct though. 

    TruStage Payment Guard Insurance is a first-of-its-kind insurance solution built for digital lenders, designed to help you attract more borrowers, strengthen your loan portfolio and reduce time spent on collections — all with minimal tech lift needed to go live.
    To learn more about Payment Guard Insurance, visit https://www.trustage.com/payment-guard.
     
    00:02:44 – Q1 Bank Earnings Released
    00:18:21 – Tokenization
    00:35:44 – The Federal Home Owned Bank
    00:55:04 – Private Credit
    01:04:32 – 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 Steven: 
    LinkedIn: https://www.linkedin.com/in/sjkelly6/
    Newsletter: https://www.withoutwarningresearch.com
     
    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

     

    • 1 hr 9 min
    S7 Ep1: Fintech Recap: Consent Order Madness, Chime Prepares to IPO, and Fintech Twitter Trolls

    S7 Ep1: Fintech Recap: Consent Order Madness, Chime Prepares to IPO, and Fintech Twitter Trolls

    Another week, another consent order.  
    Welcome back to BaaS Island, where regulators keep throwing more bodies at the problem, hoping something will work.
    Fintech Business Weekly’s Jason Mikula chats with Alex about the latest consent orders for Piermont and Sutton, as the duo debate whether or not “direct” has lost all meaning. Is it possible to really go “direct” from a fintech company to a bank without middleware? Too much regulatory authority has pushed banks away from doing everything except for technology, so in what form do regulators really want BaaS to survive in this current climate? 
    Then, the guys debate whether or not 15% of American households actually use Chime. According to Ron Shevlin’s latest article for Forbes, Chime is poised to IPO with 38 million customers, on par with the likes of Wells Fargo. Does the math… math? Because the math certainly seems to be generous math…
    Meanwhile, states want to protect their residents from out-of-state banks charging interest rates above state usury caps. Sure, it sounds like a good thing, but is it actually a good thing for consumers? 
    And later, Alex and Simon talk about the misuse of the FDIC logo and the uptick in fintech Twitter trolls. Why can’t we all just get along?  Or at the very least, why can’t we all just say nasty things on Twitter without the protection of an anonymous handle? 
     
    01: 45 – BaaS Island
    22:15 – Chime
    42:27 – Trade Groups vs. Colorado
    53:30 – Misusing the FDIC Logo and Debating with Twitter Trolls

    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 Ep12: Workshopping Fintech Theses

    S6 Ep12: Workshopping Fintech Theses

    This week, Alex is joined by Gabby Cazeau (Partner at Harlem Capital) and Emily Man (Partner at Primary Ventures) to workshop some theories about the future of fintech. 
    With open banking rules for the U.S. being finalized this year, it’s clear that cashflow underwriting is about to have its time in the sun — do we have the necessary infrastructure in place to fully capitalize on it?
    Then, Alex, Gabby, and Emily dive into the increasing concerns surrounding fraud and identity due to the rise of AI. Is there a better way to develop solutions other than playing a game of Whack-a-Mole each time problems pop up? The crew noodles on some potential solutions worth considering.
    Plus, what role can LLMs play in helping to increase automation in accounting? And what the heck are shadow banks? Learn why these institutions are responsible for managing risks that regular banks don’t want to take on, and what it may mean for the way we think about underwriting and portfolio management solutions.  
     
    1:47 Workshopping Fintech Theses
    2:53 Open Banking 
    15:28 Fraud Solutions
    28:14 Accounting and Tax Automation
    36:44 Shadow Banking

    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 Gabby: 
    LinkedIn: https://www.linkedin.com/in/gabriellecazeau/
    Twitter: https://twitter.com/gabbycazeau?s=21&t=1x8HDmFw3LAfIx3yYgYFDQ
     
    Follow Emily:
    LinkedIn: https://www.linkedin.com/in/emily-man-02a1a486/
     
    Follow Alex: 
    YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
    LinkedIn: https://www.linkedin.com/in/alexhjohnson
    Twitter: https://www.twitter.com/AlexH_Johnson

    • 48 min
    S6 Ep11: Not Fintech Investment Advice: Chipp.ai, Whop, Revenew, and NayaOne

    S6 Ep11: Not Fintech Investment Advice: Chipp.ai, Whop, Revenew, and NayaOne

    Simon Taylor’s back on the podcast and he’s excited (but oh so exhausted) to be talking about some of fintech’s most promising startups with Alex.
    First up on the docket, is Chipp.ai the next Shopify for AI? As a platform offering to build custom AI prompts, can Chipp.ai help freelancers productize themselves? Since the rise of AI, freelancers have needed to gain greater leverage over their unique set of skills to fit market demand—will this be the solution to weaponize them?
    And as if there weren’t enough apps competing to become the next Shopify of (fill in the industry), Simon and Alex are tackling Whop, the Shopify-like marketplace connecting buyers and sellers to sell entrepreneurial opportunities on the internet. Want a marketplace for learning how to day trade? Whop’s on it. Need a community where you can learn how to become an influencer? Then Whop’s your homeboy. Need a place where you can’t be entirely sure you didn’t just enroll in an influencer Ponzi scheme? Then call us cynical elder millennials, but Whop may not be right for you (because it’s definitely not right for us). But it is right for someone, so maybe there’s hope yet?
    Then, Alex and Simon discuss the one company out there that’s not looking to become the next Shopify of anything, Revenew. Is the platform, which is helping companies to manage complex payment flows by providing a complete payment breakdown, a brilliant ploy or way too niche to succeed? 
    Plus, what’s the deal with NayaOne’s unique “Sandbox as a Service” approach? Can NayaOne actually help to eliminate the massive amounts of work that go into finding new fintech partners? And later, Simon manifests building the next Moody’s and Alex ruminates on how to solve the reluctance of Buy Now, Pay Later to share their data with credit bureaus. 
     
    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 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

    • 49 min
    S6 Ep10: BNC: Unpacking the 1 Year Collapsiversary of SVB, Exploring Banking Deserts, and Is This the End of BaaS Innovation(?)

    S6 Ep10: BNC: Unpacking the 1 Year Collapsiversary of SVB, Exploring Banking Deserts, and Is This the End of BaaS Innovation(?)

    Just because Alex is finally leaving Las Vegas, doesn’t mean he’s escaping the banking desert back in Montana. And for that matter, neither are the vast majority of Americans. This week, he and Bank Director Editor Kiah Haslett discuss the growing impact that closing bank branches have had on rural communities— what are these “banking deserts”? And what really happens when online banks are all that’s left in a town?  
    Also… Did you forget whose anniversary it is today? Happy 1st SVB collapsiversary! Alex and Kiah reflect upon the landmark news story that brought “Fintech Takes” into the limelight. How have things in banking changed since SVB first announced its failure? More importantly—have they changed since its collapse? 
    Plus, with BaaS regulators cracking down, what happens when people with new ideas can’t meet the minimum barriers to entry in BaaS anymore? Are we witnessing the death of BaaS innovation? Alex and Kiah discuss what tighter regulations could mean for the future of the BaaS market.
    And stay tuned as later Kiah and Alex tackle the convenience store in North Dakota who claims the Durbin Amendment is harming them and Kiah unleashes some harsh truths that Congressional leaders need to hear. 
     
    Don’t forget to download Kiah’s report on Generative AI here!
     
    00:04:35 - Kiah’s Bank Director Report on Generative AI
    00:06:52 - Happy SVB Failure Day!
    00:21:51 - BaaS’s Evolution
    00:39:20 - Capital One vs. Discover Quick Take
    00:41:00 - Corner Post vs. the Federal Reserve Board
    00:45:41 - An Unanswerable Question
    01:14:44 - 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

    • 1 hr 23 min
    S6 Ep9: Fintech Recap: The Discover/Capital One Merger, Lineage’s Latest Consent Order, Inflation Affects Tooth Fairy Pricing

    S6 Ep9: Fintech Recap: The Discover/Capital One Merger, Lineage’s Latest Consent Order, Inflation Affects Tooth Fairy Pricing

    On this week’s episode of Fintech Takes, Alex is joined by international man of mystery and publisher of Fintech Business Weekly, Jason Mikula, along with the Ghost of Fintech Future and cruise director of New York Fintech Week, Jon Zanoff. 
    First up, the guys discuss the latest in the Capital One/Discover deal and debate the nature of mergers and acquisitions. Are M&As inherently bad for fintech? How do they impact innovation and why are consumers usually the victims of consolidation? They break down the ways that M&As affect the competition cycle and ponder what the Capital One/Discover deal means for the larger credit card industry.
    Then, the guys take a trip back over to BaaS Island where things have devolved into a “Lord of the Flies” situation. Alex, Jason, and Jon unpack Lineage’s latest consent order with the FDIC and discuss why regulators are so obsessed with fast deposit growth. Which leads them to ask the question—exactly what standards should we be measuring BaaS bank size by? 
    Plus, think your founder is bad? Meet the founder of Zera who raised $2.2 million from investors only to use it on… horseshoes and tropical fish? And later, Alex tries to determine just how much inflation has affected the Tooth Fairy’s pricing structure and Jon reveals what he’s looking forward to most about New York Fintech Week 2024.
    And if you haven’t already, be sure to sign up for New York Fintech Week 2024 and receive 15% off with Promo Code BAASISLAND.
     
    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 John: 
    LinkedIn: https://www.linkedin.com/in/jonzanoff/
    Website: https://empirestartups.com
     
    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

    • 48 min

Customer Reviews

4.8 out of 5
5 Ratings

5 Ratings

Matts1999 ,

Sharp

These guys are witty and bring new concepts and ideas to my attention. Subscribed.

Top Podcasts In Business

Money Stuff: The Podcast
Bloomberg
Money Rehab with Nicole Lapin
Money News Network
REAL AF with Andy Frisella
Andy Frisella #100to0
Leading Up With Udemy
Udemy
The Ramsey Show
Ramsey Network
Young and Profiting with Hala Taha
Hala Taha | YAP Media Network

You Might Also Like

Fintech Insider Podcast by 11:FS
11:FS
All-In with Chamath, Jason, Sacks & Friedberg
All-In Podcast, LLC
a16z Podcast
Andreessen Horowitz
Greymatter
Greylock Partners
The Twenty Minute VC (20VC): Venture Capital | Startup Funding | The Pitch
Harry Stebbings
BG2Pod with Brad Gerstner and Bill Gurley
BG2Pod