Fintech One-On-One

The right lending infrastructure is what allows lenders to launch new products easily, to adapt products to changing economic conditions or to start an entirely new lending operation. My next guest on the Fintech One-on-One podcast is Eddie Oistacher, the CEO and Co-Founder of Peach Finance . Incubated inside Affirm, Peach has created a new kind of lending infrastructure that is adaptive and flexi...

In the fintech space fighting fraud is a never ending battle. And there have been recent developments that is skewing the playing field in favor of the fraudsters. Fintech companies cannot do this themselves, they need the help of experts who are completely dedicated to making fraud as difficult as possible. My next guest on the Fintech One-on-One podcast is Kevin Gosschalk, the CEO and founder of...

The fintech industry has become much more sophisticated in how it engages with lawmakers and regulators in Washington. There are now many people in leadership positions, both within fintech companies and within the trade associations, with deep experience in government who can make sure our voice is heard. And that the issues that are most important to fintech companies are being discussed at the...

Pix is probably the most successful fintech product in the history of the world. It is Brazil's instant payment system that launched in November 2020 and has taken the country by storm. More than 130 million Brazilians now use Pix and for around half of those people, it is the first digital payment tool they have ever used. If you are interested in fintech, you need to understand the Pix phen...

User-permissioned financial data is becoming a bedrock of fintech innovation. Ever since Plaid came on the scene and enabled us to connect our bank account to other financial institutions, consumers have appreciated the advantages of this concept. But what the industry has really needed is an independent standard for this data sharing. My next guest on the Fintech One-on-One Podcast is Don Cardina...

While there are plenty of instant payment options for consumer like Cash App, PayPal, Venmo and Zelle. But when it comes to business payments it is a different story. And those aforementioned payments are not really instant, they still settle like all other bank transactions, typically in two business days. This is all about to change. My next guest on the Fintech One-on-One Podcast is Kevin Green...

The credit union space, like all of financial services, was dramatically impacted by the pandemic. With consumers demanding digital access to financial products the industry had no choice but to embrace fintech offerings. This has presented an opportunity for an organization like CMFG Ventures, the venture capital arm of CUNA Mutual Group. Our next guest on the Fintech One-on-One Podcast is Brian...

Fraud prevention tools are an essential tool for every company in financial services. Fraud attempts continue to get more sophisticated but thankfully the fraud prevention tools continue to evolve as well to the point where companies should think about creating a complete anti-fraud tech stack. My next guest on the Fintech One-on-One Podcast is Bence Jendruszak. the COO and Co-Founder of SEON. The...

Consumers have dozens of fintech options when it comes to bank accounts. In the small business space, there are fewer options but recently better choices are emerging. Some fintech companies have thought deeply about small business and have created bank accounts with options tailored just for the small business owner. My next guest on the Fintech One-on-One Podcast is Eytan Bensoussan, the CEO and...

The neobank space is very competitive. Every company has a solid app with extensive functionality, that is a given these days. But where there is differentiation is how these neobanks are engaging with the customers. Some are focused on optimizing for interchange fees, some are focused on credit products, some on deposit gathering while others provide all of that and more. But there are few compan...

More than ever before, people today have different forms of income. They might have a day job but do gig work at night and on weekends. They might have a different side hustle that started out as a hobby but now generates an income. Getting an accurate picture of an individual's income requires sophisticated data engineering but it is something that is becoming increasingly critical. My next...

When we think about cross-border payments, we typically think about consumer payments, people sending money back to their home country. But the business-to-business market for cross-border payments is many times larger and more complex. Our next guest on the Fintech One-on-One Podcast is Patrick Gauthier, the CEO of Convera . Now, you may not have heard of Convera, they used to be Western Union Bu...

When it comes to the velocity of money in banking in many we are back in the days of the horse and buggy. Whereas communication between banks can move around the world instantly when it comes to transactions most of the banking world is on a two-day settlement window known as T+2. This 48-hour delay means huge liquidity costs for banks. But we are moving to a world of real-time settlement and one...

Before the FTX blowup there was a serious conversation happening around regulation of the DeFi space. During our Merge event in London last month I interviewed Lawrence Wintermeyer, the Chair of the GBBC Digital Finance (and the former chair of Innovate Finance) on the topic, Paving the Way for Web3 Legitimacy. Given the events of the last couple of weeks this topic has new urgency. For the DeFi i...

Someone had to be first. More than a decade before the word fintech became a thing we had the original fintech bank, First Internet Bank .  As the name implies they were the first bank to operate completely online when they launched in 1999. In many ways they have been a trailblazer, paving the way for a new generation of fintechs to thrive. My next guest on the Fintech One-on-One Podcast is Nicol...

Central Bank Digital Currencies (CBDCs) continue to gain momentum around the world. While we are not exactly leading the way in this country there is important work being done already, work that will help shape how a CBDC will function here. My next guest on the Fintech One-on-One Podcast is Daniel Gorfine , the co-founder of the Digital Dollar Project. This organization is doing incredibly import...

The card space (both debit and credit) has seen tremendous innovation over the last decade. Use cases that were inconceivable 10 years ago are now commonplace due to the steady march of fintech innovation. The company that has been at the very center of these developments is Marqeta . They have basically invented a new category of fintech, what they call "modern card issuing". My next gu...

The most interesting use cases for DeFi are still being discovered. But tokenization of real world assets, or anything that has an income stream associated with it, is starting to take shape. And there are blockchains being built today with digitization and tokenization of assets as their core use case. My next guest on the Fintech One-on-One podcast is John Wu, the President of Ava Labs , the org...

The rise of Chinese fintech in the 2010s is one of the most exciting and intriguing stories in all of fintech. This has been followed in this decade by a government crackdown on fintech and technology more broadly. But everyone should understand the innovations that led China to become the most advanced country in the world when it comes to fintech. My next guest on the Fintech One-on-One podcast...

Small business data is heterogenous and typically stored in silos that are not connected to each other. While some level of integration is starting to happen, getting the big picture of a small business from all these silos is challenging. But that is also changing. My next guest on the Fintech One-on-One is Pete Lord, the CEO and Co-Founder of Codat . His company's mission is to bring all th...

A decade ago, to say the Latin American fintech industry was nascent would have been an overstatement. While there were a handful of enterprising startups, no one had achieved much scale and there was very little funding available to help. And yet, these bootstrapping entrepreneurs were at the forefront at what would soon be a thriving industry. Today, Latin American fintech is hot, although like...

Despite the early successes of some of the robo-advice platforms, good financial advice is still something that is difficult to scale. The wealthy often work with professional advisors and the rest of us manage it ourselves where there is limited advice and often the accumulated assets just sit in retirement accounts being ignored. But that could be able to change. My next guest on the Fintech One...

Being a small business owner has many challenges. Deal with finances is one of the major stresses for any small business and fintech is really starting to make a difference here. But what if we could take the financial component of any small business and take it from a cost center to a profit center, or at least make it cost-neutral? My next guest on the Fintech One-on-One Podcast is Eliot Buchana...

On the news show today we discussed big fintech news from FSOC, the White House (blueprint for AI bill of rights), U.S. Congress, Customers Bank, Cogent Bank, Western Alliance Bank, Afterpay, bank fees, KServicing, Kim Kardashian and more. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Consumer BNPL has become an entrenched part of the modern payments flow for a large number of companies. But the payments flow in the business-to-business space still looks similar to the way it did a decade ago. I think that is about to change. Our next guest on the Fintech One-on-One podcast is Chris Tsai, the CEO and Co-founder of Resolve .  He has thought deeply about buyer flows in b2b commer...