Fintech Takes copertina

Fintech Takes

Fintech Takes

Di: Alex Johnson
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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!Copyright 2026 Alex Johnson Economia Finanza personale Politica e governo
Episodi
  • A Crisis of Confidence: This Has Happened Before

    A Crisis of Confidence: This Has Happened Before
    Sep 16 2026
    Welcome back to Fintech Takes. Diehard listeners may remember my first and second audiobook experiments. By popular demand, here's a third. I’m turning my recent deep dive, “A Crisis of Confidence: This Has Happened Before,” into a podcast episode for your listening pleasure(s). I wrote it back in May after attending Emerge, the Financial Health Network's annual event, where wandering around and talking with people inspired me to wonder whether the U.S. has ever experienced a strong economy and a pessimistic population before? It has. The 1970s produced the same split between the data and consumer sentiment, and the closer you look, the more specific the parallels get (people saved and got punished for it, then borrowed when saving stopped working, then gambled once borrowing ran out too). But there's one place the two decades don't rhyme, and it’s the regulatory response. Stick around after the audio essay. I come back with an updated take on what's changed since May, plus a new thought about financial bubbles I haven't written up yet (but plan to soon!). --- This episode is brought to you by Ocrolus. Better lending starts with better intelligence. A borrower's cash flow only tells half the story, so Ocrolus fills in the rest with behavior signals and industry benchmarking. Visit https://www.ocrolus.com/ for more. --- 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, Wednesday, and Friday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. --- Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson
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    51 min
  • Can You Standardize Bank-Fintech Risk?

    Can You Standardize Bank-Fintech Risk?
    Sep 9 2026
    Welcome back to Fintech Takes. I'm Alex Johnson, joined by two of my favorite Jasons (Jason Mikula of Fintech Business Weekly and Jason Henrichs of Alloy Labs) to go deep on the FDIC's very early effort to create standards for third-party risk management (particularly for bank-fintech partnerships). Banking didn't get here by accident. FIS, Fiserv, and Jack Henry ran the market for decades. Long contracts locked banks into these three providers and left little room for anyone else, which set the stage for fintech's rise. Then, we explore what happened when the pendulum swung too far in the other direction. From there, we consider whether certification can actually reduce risk. Henrichs points to SOC 2 as a cautionary tale, while Mikula questions whether meaningful standards can avoid putting very different banks, partners, and business models into a straitjacket. Tune in for a conversation on why there may be no magic top-down solution to bank-fintech risk. The bottom-up version: a dedicated cross-agency examiner group with strong expertise, and narrower, more specific rules (like the reconciliation requirement the FDIC floated and then dropped). --- This episode is brought to you by Ocrolus. Better lending starts with better intelligence. A borrower's cash flow only tells half the story, so Ocrolus fills in the rest with behavior signals and industry benchmarking. Visit https://www.ocrolus.com/ for more. --- 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, Wednesday, and Friday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. --- Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson --- Follow Jason Mikula: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/ --- Follow Jason Henrichs: LinkedIn: https://www.linkedin.com/in/jasonhenrichs/ Twitter: https://x.com/jasonhenrichs
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    57 min
  • Fintech Recap: Risk, Standards, and Double Standards

    Fintech Recap: Risk, Standards, and Double Standards
    Sep 2 2026
    Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula. We open with Coastal Community Bank, which swung from a $12M in profit in Q1 to a $42M loss in Q2 after recording a $68.8M credit provision on $530M of loans originated by its fintech lending partner, LendingPoint. Coastal held the loans on its own balance sheet, but relied on LendingPoint to indemnify it against losses. The credit risk didn’t disappear; it became counterparty risk. Next, we talk standards. The FDIC is reportedly working on an independent standards body (tentatively called BISDO) that would certify third parties as risk-assessed and manageable. The draft term sheet promises no regulatory safe harbor, then a few paragraphs later promises examiners would accept certification for onboarding due diligence and wouldn’t take adverse action over onboarding a certified third party. Safe harbor-ish? We have questions. Finally, charter watch. Wise was denied a national trust charter amid AML concerns. Bunq’s application was rejected after the OCC questioned its proposed CEO’s lack of U.S. banking and unsecured-credit experience (and his part-time, non U.S. based role). World Liberty Trust, the new subsidiary of World Liberty Financial – whose unusual ownership structure includes the UAE as well as President Trump and his family – was approved despite some striking parallels to Bunq. I unpack why I think the OCC applied fundamentally different logic to World Liberty than it did to Wise and Bunq. Plus, in our Can't Let It Gos: an FTC proposal on suppression of accuracy in AI systems that could treat undisclosed fair-lending adjustments as deceptive, and Transportation Secretary Sean Duffy’s family road trip, paid for by a nonprofit whose sponsors include the Electronic Payments Coalition (aka Dick Durbin’s arch nemesis). --- This episode is brought to you by Ocrolus. Better lending starts with better intelligence. A borrower's cash flow only tells half the story, so Ocrolus fills in the rest with behavior signals and industry benchmarking. Visit https://www.ocrolus.com/ for more. --- 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, Wednesday, and Friday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. --- Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson --- Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/
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    1 ora e 10 min
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