518 episodes

Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus, 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 (formerly the Lend Academy Podcast).

Fintech One•On•One Peter Renton

    • Business
    • 4.9 • 53 Ratings

Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus, 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 (formerly the Lend Academy Podcast).

    Dan Arlotta of Garnet Capital Advisors

    Dan Arlotta of Garnet Capital Advisors

    The secondary loan market has played an important role in the history of fintech lending. It was important for those early loan buyers to know that there was a robust market in place if they needed to sell a loan portfolio. And sometimes platforms would hold the loans on their own balance sheet for a few months before offloading in a secondary loan sale. It was an essential ingredient in the growth of the space.
    My next guest on the Fintech One-on-One podcast is Dan Arlotta, Senior Vice President at Garnet Capital Advisors. He has been around the fintech lending space almost from the beginning and has been putting together loan portfolio sales across the industry. There are few people who know the ins and outs of the loan buying space better than Dan.
    In this podcast you will learn:
    How loan buying in the fintech space has evolved over the past decade.How fintech loans compare to banks and credit unions today.What Dan he being seen in activity in non-performing loans.How tightened credit boxes will impact secondary transactions.How high interest rates have impacted buyer activity.The types of buyers that Garnet works with on secondary sales.What lending platforms they are working with on the fintech side.How it was different working with Figure.The best practices for lenders looking to do secondary loan transactions.Connect with Dan on LinkedIn
    Connect with Garnet Capital Advisors on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 35 min
    Adam Famularo of WorkFusion

    Adam Famularo of WorkFusion

    AI is making its way into many areas of banking and fintech but one area where it already has a strong foothold is detecting financial crime. And there are some companies doing new and innovative things with this AI technology here.
    My next guest on the Fintech One-on-One podcast is Adam Famularo, the CEO of WorkFusion. His company has created these AI digital workers that are integrated into the workforce of a bank or fintech. These are real digital assistants that have been brought to life by WorkFusion.
    In this podcast you will learn:
    What attracted Adam to the CEO role at WorkFusion.How he describes the company today.How their AI Digital Workers operate and the different job roles they have.An explanation of the use cases for these digital workers.How they have trained the digital workers.How banks are augmenting these digital workers with their workforce.What kind of feedback they have received by humanizing their AI models.What is involved in the onboarding process.Where the AI digital workers fit within their core software.The typical organizations using WorkFusion today.A couple of case studies from banks using their software.How much they are reliant on LLMs and Gen AI.How they reduce the risk of errors or hallucinations.What this will all look like in five years.How this will impact the human workers interacting with the AI workers.Connect with Adam on LinkedIn
    Connect with WorkFusion on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 29 min
    Mark Gould of Federal Reserve Financial Services

    Mark Gould of Federal Reserve Financial Services

    When FedNow launched last July there was a lot of excitement in the financial community about the first new payments rail from the Fed in fifty years. There was also some trepidation. What would the rollout look like? Would banks take a wait-and-see approach? And how would the presence of RTP affect adoption?
    Now, almost eight months later we have answers to many of these questions. My next guest on the Fintech One-on-One podcast is Mark Gould, the Chief Payments Executive at the Federal Reserve Financial Services. He is the head of FedNow and has steered the Fed through its successful launch and now into its growth stage.
    In this podcast you will learn:
    The many different roles Mark has held at the Fed.What the Fed's role is exactly in the payments system.The number of banks that are now on board with FedNow.How the FedNow system actually works.What Mark's pitch is when talking to prospective banks.The difference between signing up for send and receive.How fintech companies should think about FedNow.The primary use cases that are flowing through FedNow right now.How Mark thinks about RTP from The Clearing House.The idea of interoperability between RTP and FedNow.How Mark expects the mix of payment types to evolve over the next decade.The tools that the Fed has in place to prevent fraud.The transaction limits that are in place today.The short term product roadmap for FedNow.When Mark thinks there will be ubiquitous availability of instant payments.What it will take for consumers to have an expectation that payments will be instant.
    Connect with Mark on LinkedIn
    Connect with Federal Reserve Financial Services on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 35 min
    Ana Mahony of Addition Wealth

    Ana Mahony of Addition Wealth

    When it comes to financial health there is still much work to be done. While fintech has certainly made an impact here the average consumer is no more financially healthy than they were a decade ago. This is a problem that fascinates me and I love it when I talk to companies that are making a real difference in this area.
    My next guest on the Fintech One-on-One podcast is Ana Mahony, the CEO and founder of Addition Wealth. Their financial health platform is targeted at employers to offer as a benefit to their employees but what makes them unique is the human interaction. While they have a lot of digital tools for employees they also offer free one-on-one sessions with CPA and Certified Financial Planners. 
    In this podcast you will learn:
    How the idea for Addition Wealth first germinated.How the program at First Round Capital really helped launch the company.The breadth of their product offerings to enhance financial health.Why the human interaction is such a differentiator for Addition.How they can scale with a human plus digital approach.How they vet these financial advisors and ensure they are providing quality advice.How Ana's experience at Uber has helped develop their platform.What is involved in implementing Addition Wealth with a new employer.Details of their go-to-market strategy.The scale they are at today.What people care about most when it comes to their financial health.The average percentage of employees that engage with their offering.Her vision for the future of Addition Wealth.Connect with Ana on LinkedIn
    Connect with Addition Wealth on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 30 min
    Diarmuid Thoma of AtData

    Diarmuid Thoma of AtData

    Consider the humble email address. Most of us don't give this part of our identity a second thought but there is a wealth of information that can be gleaned from this one piece of data. And when it comes to fraud the email address is the most consistent predictor, more than any other data point.
    My next guest on the Fintech One-on-One podcast is Diarmuid Thoma, the head of fraud and data strategy at AtData. He has spent most of his 23-year career focused on fraud prevention and today he leads a team that has built the most extensive email database in the industry.
    In this podcast you will learn:
    The history of TowerData and the merger that resulted in the creation of AtData.The two areas of the company that Diarmuid leads.Why banks and fintech should care about email data.Why email is the most consistent fraud predictor.What other data points they take into consideration in their fraud models.The staggering percentage of every email in existence that are in their database.The number of new high risk domains that are being created every day.What is returned to the client when they provide an email address to AtData's API.How banks and fintechs are using this data today.Why they are included very early in the funnel for lenders.How the AtData quality score works and what it can tell their clients.How they have incorporated AI/ML into their fraud models.Details of their recent white paper on balance customer experience and fraud prevention.The trends that banks and fintechs should be paying attention to when it comes to email data.Connect with Diarmuid on LinkedIn
    Connect with AtData on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 31 min
    Luke Voiles of Pipe

    Luke Voiles of Pipe

    Small business lending is still not a solved problem in this country, or anywhere around the world for that matter, despite a decade or more attacking the problem. But today, we are seeing some new business models and new go-to-market approaches that have the potential to make a huge difference.
    My next guest on the Fintech One-on-One podcast is Luke Voiles, the CEO of Pipe. Luke has been around fintech for many years and he became CEO of Pipe about a year ago now. He has a different perspective on small business lending and how to make it work best for the lender which he goes into in some depth in this episode.
    In this podcast you will learn:
    Some of the big names in fintech where Luke has had leadership roles.Why he decided to take on the CEO role at Pipe.What he did in his first weeks as CEO to fully understand the state of the company.How he describes Pipe today.How their working capital product works and where they sit in the payments flow.The size of the small business they will lend to.Why it is so important to get the payments data for their underwriting.How they inject themselves into the payments flow so they are paid first.Why vertical SaaS companies are the new community banks (see Luke's article here).Luke's thoughts on Section 1071 of Dodd-Frank and why it is a good thing for fintech.How Pipe is accessing the capital they need to lend.Why we haven't yet solved the small business access to capital problem.Why they are not concerned with the expense side of a business.The vision for Pipe for the next five years.Connect with Luke on LinkedIn
    Connect with Pipe on LinkedIn
    Connect with Fintech One-on-One:
    Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

    • 41 min

Customer Reviews

4.9 out of 5
53 Ratings

53 Ratings

chloe bloedt ,

Highly Recommend Fintech Nexus

Peter is a wizard in terms of concisely packaging the critical points of how to monetize and run large - scale ventures. I have learned more from Fintech Nexus over the years than from any business course I’v purchased. His encouraging, approachable, and generous spirit are an example to all. Highly recommend consistently following his podcast, it’s never off the pulse!

Dback021 ,

Informative and interesting

Peter has been around the fintech space a long time and can go in depth into many facets of the space. He’s also a good interviewer. Worth listening.

obacker19 ,

Empowering, insightful and actionable! 🔥

Whether you’re well established as someone innovating in the lending ecosystem, or just getting started as a catalyst for change within your organization - this is a must-listen podcast for you! Peter does an incredible job leading conversations that cover a huge breadth of topics related to the ins and outs of navigating an ever changing fintech environment - from leaders who’ve actually walked the path. Highly recommend listening and subscribing!

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