This Week in Fintech

This Week In Fintech
  • 4.9 (9)
  • BUSINESS
  • UPDATED WEEKLY

This Week in Fintech 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. BONUS: Reintroducing The Fintech OGs

    3D AGO

    BONUS: Reintroducing The Fintech OGs

    Powered by Spade. Julie VerHage-Greenberg is back for Season 4 of The Fintech OGs, now joined by co-host Lauren Crossett, to sit down with the pioneers who built and transformed fintech. From the early days of digital finance to the innovations redefining money today, these are the stories behind the people who changed the industry. In episode one we sit down with Angela Hung and Dan Egan, two builders and researchers whose careers span policy research, Robinhood, Earnin, and Betterment. Together, they have helped shape how modern wealth and financial tools are designed and experienced. Go to https://www.thisweekinfintech.com/the-fintech-ogs to subscribe!  And be sure to subscribe to all of the This Week in Fintech podcasts to stay up to date on the latest conversations shaping the future of finance.

    47 min

  2. MAR 31

    Credit Beyond The Score with Andrew Endicott

    Credit scores feel like destiny, but they’re built on a thin record of borrowing and repayment while ignoring income, cash on hand, and real assets. That blind spot blocks credit for immigrants, younger consumers, gig workers, and anyone whose financial life doesn’t fit the classic bureau file. In this episode, Nik sits down with Andrew Endicott, co-founder of Pedal and now co-founder and GP at Gilgamesh Ventures, to talk about how cash flow underwriting and open banking data change the game, and what it takes to build fintech that lasts. Andrew walks through his path from law and investment banking into founding a credit card company, including the post-financial crisis reality where regulation and risk constraints pushed banks to pull back. We unpack why fintech emerged to fill those gaps, what founders often underestimate about finance, and why areas like fraud, compliance, and risk management aren’t “later” problems.  We also get into Andrew’s upcoming book, Finance Technology: Insights for Building an Enduring Fintech Company, and the framework he uses to map the ecosystem into four buckets: banking, payments, insurance, and infrastructure.  Learn more about the book: https://www.amazon.com/Finance-Technology-Insights-Building-Enduring/dp/1954892225 Subscribe for more founder-grade fintech conversations. Connect with the Hosts & Guest Nik Milanović: https://www.linkedin.com/in/nikm Andrew Endicott: https://www.linkedin.com/in/andrewendicott About This Week in Fintech 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.

    54 min
  3. 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
  4. 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
  5. 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
  6. 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
  7. 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
  8. 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
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4.9
out of 5
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About

This Week in Fintech 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
    2023 - 2026
  • Episodes
    145
  • Rating
    Clean
  • Copyright
    © 2026 This Week in Fintech
  • Show Website
    This Week in Fintech

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