Fintech One-On-One

It is easy to forget that the Washington we read about or see on television is quite different from the Washington where our industry is conversing with regulators. This is where trade associations engage with regulators on substantive issues and get their voices heard. Six years ago fintech had no real trade association at all. Today, we have a vibrant trade association that is lobbying on our be...

One the weekly news show today we discuss important news from Nubank, Chime, Stripe, Klarna, Visa, Mastercard, Bakkt, U.S. Securities and Exchange Commission, Robinhood, LendingClub, and more. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

We are going to back to Latin America today as we do a deep dive into the payments space there. With dozens of countries in the region all with their own currency, their own payments infrastructure, it has not been easy to expand into new geographies, but it certainly is possible. Our next guest on the Fintech One-on-One podcast is Wagner Ruiz, the Chief Risk Officer and Co-Founder of EBANX . EBAN...

Until recently virtually no fintech companies were interested in a bank charter. It was just back in 2016 that SoFi ran a Superbowl ad with the "Don't Bank. SoFi" tagline. Now, they are looking to become a bank. Square and LendingClub have joined SoFi as approved banks (via different routes) and there are many applications that are still pending. So, I thought it was time to talk ba...

Another engaging news show today where we discussed a very busy week of news in fintech. There was big news from Plaid, the SEC, Facebook, PayPal, New York State Attorney General, PIMCO, FTX, N26 and more. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

One of the true pioneers of the fintech space joins us for the show today. This is someone who has become a giant of the fintech space, taking two companies from an idea to unicorn status in just a few short years. Our next guest on the Fintech One-on-One podcast is Renaud Laplanche, the CEO and Co-Founder of Upgrade . He is back on the show for the third time (here are the first and second times)...

This week we cover the following news stories: Coinbase is launching its own NFT platform to take on OpenSea NerdWallet IPO Filing Shows 21M Unique Visitors Per Month Crypto Lender Celsius Network Raises $400M in Bid to Reassure Regulators Tala grabs $145M to offer more financial services in emerging markets Crypto could cause 2008-level meltdown, Bank of England official warns Oportun pulls bank...

I have said many times that Latin America is the hottest region for fintech on the planet. The digital banks and lenders get most of the attention it seems but the payments space is where companies are actually profitable as they scale. One of the payments leaders in Latin America is Stone Co. Our next guest on the Fintech One-on-One podcast is Augusto Lins, the President of Stone Co. Stone is a p...

We are talking about open banking again this week and we have one of the fintech pioneers on the show sharing his experience over the long evolution of open banking. Our next guest on the Fintech One-on-One podcast is Steve Smith, the CEO and co-founder of Finicity . Finicity has been a real pioneer in the open banking space, or as Steve likes to call it an open financial data network, which is pr...

This week we cover the following fintech news stories: Google kills the Goolge Plex The postal banking pilot How card issuers helped fuel the BNPL boom When Facebook went down so did Novi US Bank launches a bitcoin custody service SEC Chairman Gary Gensler testifies before Congress Fintech's explosive growth has regulators scrambling Connect with Fintech One-on-One: Tweet me @PeterRenton Conn...

Open banking is not a new concept. More than a decade ago companies like Yodlee were allowing their 30 million users to connect to online banking. But it has certainly come of age in the last two to three years as consumers demand more and better access to their financial data. Our next guest on the Fintech One-on-One podcast is Justin Jackson, the VP of Product Management at Fiserv . Fiserv is a...

Using artificial intelligence in lending decisions has gone from a curiosity to, I would argue, the mainstream over the last five years. Most lenders have either started a pilot program or are considering it seriously and some, led by fintech lenders like Upstart, have made it core to their business. Our next guest on the Fintech One-on-One podcast is Shri Santhanam. He is the EVP and GM of Global...

Embedded finance is a relatively new term in fintech but it getting set to revolutionize finance. Today it is relatively easy to add finance functionality either within a financial or non-financial firm. And we are beginning to see large brands embrace financial services as a way to increase engagement with their customers. I think this is a trend that is unstoppable. Our next guest on the Fintech...

The payments space was really the first sector within fintech to really get going. And while the payments pioneers like PayPal, Square and Marqeta (all more than a decade old) have brought us tremendous innovations there is a new wave of developments that will be reshaping the payments industry. Our next guest on the Fintech One-on-One podcast is Kevin Olsen, also known as the Payments Professor ....

There are still more than 5,000 credit unions in this country and the vast majority of them are small. Few have large technology budgets but that doesn't mean they can't be at the forefront of technology innovation. Being small can make it easier for them to partner with fintech companies. Our next guest on the Fintech One-on-One podcast is David Tuyo, the CEO and President of University...

The home mortgage space has been undergoing a transformation over the past couple of years. We have seen fintech lenders grabbing market share as they were best suited to grow during the pandemic when everything went virtual. There has been so much innovation that financing a home is no longer the long and painful process that it historically has been. Our next guest on the Fintech One•On•One podc...

With real estate prices at record highs all across the country, owning a home is becoming more out of reach for first-time homebuyers. For millennials and Gen-Z, saving enough money for a downpayment has become a huge challenge, much harder than it was for their parents or grandparents. A huge problem like this calls for a creative solution. Our next guest on the Fintech One•On•One podcast is Aden...

The expense management space is heating up. While it has not garnered headlines much in the past there has been a lot more attention focused on it in the last couple of years. Earlier this year we saw Bill.com acquire Divvy for several billion dollars and companies like Brex are unicorns many times over. But hardly one is focused on the middle market companies, those with 50 to 1,000 employees. Ou...

The home insurance industry has been dominated by legacy insurance carriers for decades. These companies are still doing business the same way as last century with a primarily transactional relationship with their customers. But there is a new breed of insurtech companies that are challenging the status quo and doing so in remarkable new ways. Our next guest on the Fintech One•On•One podcast is As...

In many ways the racial wealth gap has it roots in the financial system. It was one the driving forces behind the Community Reinvestment Act of the 1970s but clearly that did not solve the problem. We need radical new solutions that get to the heart of the problem and one of those solutions is more home ownership for minorities. Our next guest on the Fintech One•On•One podcast is B.C. Silver, the...

While America remains the richest economy in the world it is also the one where it is the most expensive to be poor. I have written about overdraft fees before ( here and here ) and that is one of the real problems with the banking system that is holding people back that live paycheck to paycheck. But it is about more than overdrafts, it is about expensive bank accounts and payments that take too...

The freelance market in the U.S. is huge and it continues to grow. During the pandemic as millions of people were displaced from their regular job, many decided to supplement or replace their income with freelance work. These people have unique needs when it comes to banking, they are not quite a consumer and not really a small business. They are a bit of both. Our next guest on the Fintech One•On...

I have been following Citizens Bank for many years as they built this robust online lending operation across multiple verticals. They have also launched an in-house digital bank called Citizens Access and they have a groundbreaking partnership with Apple which has, in many ways, changed the iPhone buying experience. They are a top 25 bank that has the mindset of a fintech. Our next guest on the Fi...

One of the main use cases for decentralized finance (DeFi) has been lending. This typically involves crypto investors using their holdings as collateral to take out a loan to (often) invest in more crypto. This is all done programmatically via smart contracts but it has all seemed far removed from traditional finance. But in April, we had the  world’s first real estate transaction conducted via De...

Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes