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
  • Under the Hood of Fintech Products

    Under the Hood of Fintech Products
    Sep 23 2026
    Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Jas Shah, fintech product consultant and author of one of my favorite newsletters, Fintech: Under the Hood, which gets into serious detail from a builder's perspective. Jas has built a range of fintech products and consulted for fintech companies and banks, so we spend this episode in the gloriously granular trenches of Fintech Productland. We cover a lot of ground, like where digital onboarding still falls short after a decade of progress, why personal financial management remains one of the hardest categories in consumer fintech to pull off, and where AI might change that. Highlights include: Why do banks struggle to build onboarding that feels as connected as their customers expect? Can an AI buddy that checks in over WhatsApp succeed where, in Jas's words, "glorified pivot tables" fell short? What happens when payment agents spending on your behalf come up against financial management agents? If ChatGPT's personal finance features reach free users, whose interests will the advice serve? Plus, we close with the most important conversation it's possible to have in fintech: how to name your fintech company after J.R.R. Tolkien's oeuvre. Tune in for a nerdy, practical tour under the hood of fintech product building (with a closing detour through Middle-earth). --- 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 on: YouTube: https://www.youtube.com/@FintechTakes LinkedIn:⁠ https://www.linkedin.com/in/alexhjohnson⁠ X:⁠ https://www.twitter.com/AlexH_Johnson⁠ Follow Jas: LinkedIn: https://www.linkedin.com/in/jas-shah/ Fintech: Under the Hood Newsletter: https://jasshah.substack.com/
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    1 ora
  • 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
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