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Fintech Nexus is the leading media and events company for innovation in financial services. This podcast feed contains audio from sessions held at past events, webinars, and news shows
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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 Finte…
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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 Di…
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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 Lu…
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Embedded finance is a term that has only been around for a relatively short time. But some fintech companies have created services that could be embedded in non-financial firms for many years. It really began in the payments space and became a part of lending and we often called it lending-as-a-service before embedded lending was a thing. One of th…
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Even though banks have been going through digital transformation now for a decade or more there is obviously so much work still to be done. Big banks need help with this process, particularly when it comes to personalization as banks have historically provided products that were more in the one-size-fits-all category. My next guest on the Fintech O…
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When you think of cutting edge fintech you probably don't think about the Caribbean. But some interesting developments are happening there that we should all be paying attention to. On this episode of the Fintech One-on-One podcast, I talk with Curt Persaud, the Co-founder and CTO of Fintech Islands and Andrew B. Morris, the Chief Content Officer a…
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The small business lending space has seen a lot of innovation over the last decade with fintech leading the way. But there is still much more work to do as many small business still lack the access to capital that they deserve. My next guest on the Fintech One-on-One podcast is Steve Allocca, the head of Funding Circle USA. He has worked at some of…
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When we think about embedded finance one of the biggest opportunities is bringing financial services to vertical software companies. These software companies already have the relationship within their vertical and it often makes logical sense for them to add financial services as an add-on offering, as long as it is simple and easy to implement. My…
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Around the world, several digital banks have achieved impressive scale. But most of these fintech companies have been focused just on their home market. It is difficult to scale a global digital bank because regulations and compliance requirements differ so much between countries. But we have seen some traditional banks achieve scale in multiple co…
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The Federal Home Loan Banks (FHLBs) have been part of the financial landscape in this country since 1932. They were created (before the New Deal) in response to the housing crisis during the Great Depression. But their role has changed from a focus on housing to becoming a liquidity provider for large banks. And this has had a major impact on our f…
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While most of us would agree that we have seen significant innovation in fintech and banking over the last decade, we still don't really have a new framework for how we look at banking. My next guest on the Fintech One-on-One is someone who has thought deeply about innovation in banking and he has lived it as a co-founder of some of the biggest nam…
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There are many options for raising growth capital for established startups. With all the attention paid to venture capital, we sometimes forget that the vast majority of companies are not funded that way. Revenue-based financing has been around for more than a decade and it is a good alternative for certain types of companies. My next guest on the …
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The use of machine learning models in underwriting for consumer loans has been around for more than a decade. While fintech clearly took the lead here it has really only been the last couple of years where traditional lenders are engaging with this technology. While these AI/ML models are different from the Generative AI craze that has embraced the…
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There has been endless talk in fintech over the past year and a half about the pullback from equity investors and how difficult it is to raise money in this environment. Less is being talked about the debt investment landscape. So, I wanted to bring Jacob Haar, Founder and Managing Partner of Community Investment Management (CIM), back on the show …
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Trillions of dollars is spent on credit and debit cards every year in the US. These payments are all processed on one of the most expensive card processing networks in the world, costing merchants tens of billions of dollars. Account-to-account payments, otherwise known as pay-by-bank, is yet to take off in this country but it does have the potenti…
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There is no technology that has generated more buzz this year than generative AI. We have all played around with ChatGPT and marveled at its capabilities. But what is really happening with this technology in financial services? Or more importantly, what is going to happen? My next guest on the Fintech One-on-One podcast is Anu Sachdeva, Global Busi…
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There are tens of millions of Americans who have limited access to credit. Those with thin files or FICO scores below 650 often have difficulty accessing credit. Many have to resort to payday loans or pawn shops when they incur an unexpected expense. But there are fintech companies whose sole focus is serving this population with affordable credit …
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Medical debt is the number one reason people go bankrupt in the United States. So, you would think there would be a plethora of fintech companies attacking this problem from many angles. And while there are certainly lenders willing to finance medical procedures there are few companies taking a holistic approach to patient financial health. My next…
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The people who lead the national banking regulatory agencies typically come from long careers in banking and law with a traditional view of the banking world. But there has been one exception to this rule. My next guest on the Fintech One-on-One Podcast is Brian Brooks, the former acting head of the OCC and a current partner at O'Melveny & Myers. N…
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As recently as six or seven years ago modern payments infrastructure in Latin America didn't really exist. Most countries had a monopoly when it came to payments processing and these monopolies sit on old technology that is difficult and expensive to maintain. A lot has changed today. Digital payments infrastructure has been built and while those o…
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In the consumer lending space, fintech lenders have been using AI in their underwriting models for many years. But there are still many consumers who slip through the cracks and get declined for credit when they should have been approved. My next guest on the Fintech One-on-One podcast is Gal Krubiner, the CEO and Co-Founder of Pagaya. They work wi…
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When you stop and think about it, it is kind of crazy that we don't have a global network for moving money instantly and cheaply. The internet is more than 30 years old now and it seems to me that this should be a solved problem by now. But it isn't, at least not yet. My next guest on the Fintech One-on-One podcast is David Marcus, the CEO and Co-F…
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One of the richest areas of fintech innovation right now is in instant payments. The launch over the summer of FedNow has brought heightened awareness to instant payments but there have been other offerings available in this country for some time. My next guest on the Fintech One-on-One podcast is David Watson, the President and CEO of The Clearing…
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Much has been written about the student loan challenges for domestic students in this country. But what about international students, those people coming to the U.S. to study for a Master's or Bachelor's program? There are few good loan alternatives for international students as they are ineligible for federal student loan programs. My next guest o…
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Why is it that, in 2023, we are still getting paid on a fixed schedule? It seems crazy to me that payroll systems that were built for batch processing on mainframe computers still maintain this batch mindset in a world where everything can be instant. We should be able to choose the exact cadence of when and how we want to be paid. My next guest on…
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The first wave of fintech focused on helping those people who already had money. The bottom half of the population was mostly ignored, and those companies that did try failed to get traction. But in recent years, there has been a new breed of fintech company emerging squarely focused on helping those people who are living on the financial edge. My …
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It seems like every day there is a story coming out of Washington that can have a major impact on fintech. Whether it is the CFPB, OCC, SEC, the Fed or new legislation being proposed, fintech companies can be profoundly impacted by what happens in our nation’s capital. That is why it is important to have an independent trade association making our …
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One of the early players in the fintech lending space is Best Egg, formerly known as Marlette Funding. At one stage they were the fastest-growing lender in the country. While their growth has slowed down they continue to be one of the largest online lenders by originations. My next guest on the Fintech One-on-One podcast is Paul Ricci, the new CEO …
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All areas of fintech are changing fast. But it is in payments where the most groundbreaking changes are happening right now. After years of development, we finally saw the launch of FedNow last month (on time!) as this country begins its transition to instant payments in earnest. My next guest on the Fintech One-on-One podcast is Stephany Orum, the…
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When it comes to running an e-commerce store there is no bigger name than Shopify. They have been helping entrepreneurs run all aspects of their e-commerce business for well over a decade. And in recent years they have quietly built up an impressive suite of financial products. My next guest on the Fintech One-on-One Podcast is Vikram Anreddy. He i…
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It wasn't that long ago that robo-advice was this exciting new industry that was going to bring automated investing to the masses. Today, much of that initial promise has been realized and all the major investment firms have this as part of their offerings. But there is much more work needed to be done here. My next guest on the Fintech One-on-One …
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Last month we announced a groundbreaking partnership with Fintech Meetup that is going to transform the fintech space. With that in mind, I thought it would be helpful to dive more deeply into the partnership between Fintech Nexus and Fintech Meetup. So, on the next episode of the Fintech One-on-One podcast we have my good friend and partner, Bo Br…
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It was the best of times, it was the worst of times. That is pretty much how you could describe the environment for fintechs at the height of the pandemic. Some industries were booming while the world was reeling from the global pandemic. But in the fintech lending business, if you weren't involved in the PPP you were likely struggling. You would n…
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Where fintech has had a dramatic impact already is in international payments. Sure, there is still work to do but there are companies out there today facilitating payments, often instantly, to people all around the world. My next guest on the Fintech One-on-One podcast is Charles Rosenblatt, the President of PayQuicker. What PayQuicker does is help…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Fintech Islands: The Local Mission and Global Impact of Caribbean Fintech" from the Innovation Zone Featuring: Carmelle Cadet, EMTECH Christopher Burns, First Atlantic Commerce Pascale Elie, CellPay Andrew B. Morris, Fintech Islands…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "The Challenging Questions: Ask the Experts" from the Innovation Zone Featuring: Simon Taylor, Sardine Nicole Casperson, Fintech is Femme Miguel Armaza, Gilgamesh Lex Sokolin, Fintech Blueprint Julie Verhage-Greenberg…
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When I first heard that QED Investors and BCG were putting together a report on the future of fintech I knew it was going to be good. I was not wrong. Never before have we seen an in-depth and rigorous analysis of where the industry is today and more importantly where we are headed. The report is titled Global Fintech 2023: Reimagining the Future o…
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On today's episode, I talk with Kelly Fryer, Executive Director of the FinTech Sandbox. Kelly and I talk about the mission of the FinTech Sandbox, why she enjoys working with startups, current market conditions for fintech startups, why access to data is so critical for startups, the market shift to open banking, the banking crisis, horseback ridin…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "States Picking up the Regulatory Slack To Create Clarity for Fintech" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Christina Tetreault, CA DFPI Yana …
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Bank-Fintech Partnerships Are Under Scrutiny: What Happens Next?" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Brian Graham, Klaros Group Marc Franso…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Why Regulation and Compliance is Fundamentally a Data Science Exercise" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Matt Van Buskirk, Hummingbird Si…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "How Fintechs and Regulators Can Lean on Each Other to Protect the Retail Investor" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Lule Demmissie, eToro…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Deciphering the Crypto Regulatory Landscape" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Cleve Mesidor, The Blockchain Foundation Ignacio Sandoval, …
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Open Banking; Policy Implications" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Nat Hoopes, Upstart John Pitts, Plaid Armen Meyer, LendingClub Penny …
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Looking to the Future: Implementing Machine-Readable Rules" from the Engaging With Regulators Has Never Been More Important track - in partnership with the American Fintech Council Featuring: Haimera Workie, FINRA Jo Ann Barefoot, AIR…
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Investing in fintech companies is never dull. The last three-plus years have seen every type of investing environment there is. Are we edging toward a new normal? Probably not yet but investment demand could start to pick up within the next nine months. My next guest on the Fintech One-on-One Podcast is Mark Fiorentino, a partner at Index Ventures.…
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While the fintech lending space is maturing with a number of lenders achieving significant scale today, the longevity of most platforms goes back barely more than a decade. But there is one lender today that was already seven or eight years old during the financial crisis of 2008-09. I am not saying the turbulent times we are experiencing today are…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "The Major Structural Flaw in the VC Ecosystem" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy Featuring: Frank Rotman, QED Moderator: Peter Renton, Fintech Nexus To receive updates about the 2024 Fintech Ne…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Why Diverse Funding Sources are Key for Lending Businesses Today" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy Featuring: Dan McSherry, BHG Financial Dave Staley, Prosper Brooke Major-Reid, Affirm Jason B…
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This recording is from Fintech Nexus USA held at the Javits Center in New York City on May 10-11, 2023. Session: "Lending to Underbanked Populations" from the Fintech Investing Set to Rebound track - Sponsored by Allen & Overy Featuring: Andrew Hallowell, Arcadia Funds, LLC Moderator: John White, Fintech Nexus To receive updates about the 2024 Fint…
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