Fintech Beat

Derivatives are tricky. Crypto is tricky. But what happens when you get crypto derivatives? We’re already seeing new Bitcoin futures coming to market, but what does the future portend for other kinds of cryptocurrencies and products entering the market?   Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to regulating Wall Street, perhaps no one person is more important than Linda Lacewell, the Superintendent of New York’s Department of Financial Services. On her one year anniversary in office, she talks with Fintech Beat about changes to the BitLicense, the Apple Pay Card, and her 2020 priorities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bitcoin’s decentralized infrastructure has led to unprecedented questions about not only whether to regulate it, but also what, if anything, to regulate. Fintech Beat sits down with one of the world’s leading experts on Bitcoin law to learn about how nodes and mining pools power the ecosystem, and how they may one day be viewed as focal points of regulatory supervision. Learn more about your ad ch...

An inside view from a former State Department and intelligence official on how sanctions and political gyrations between the Trump Administration and Iran and North Korea can impact financial technology. And how these regimes can use cryptocurrencies in nefarious ways. Learn more about your ad choices. Visit megaphone.fm/adchoices

Algorithms have evolved into to powerful engines of financial technology. But they don’t always live up to the hype, as algorithmic models fail to take account of basic societal concerns like fairness, privacy and bias. Fintech Beat sits down with Michael Kearns to find out what can be done to make algorithms “ethical.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Open banking’s benefits involve using customer consent to develop new financial products to revolutionize financial services. But critics claim open banking can at times bypass customer consent by using digital avatars and other online tools to infiltrate and collect customer data. Fintech Beat sits down with the former chief of the Federal Reserve’s open banking unit to get answers. Learn more ab...

Fintech Beat celebrates the new year with an Awards show and a countdown of the biggest fintech developments of the year. Learn more about your ad choices. Visit megaphone.fm/adchoices

How is Congress grappling with diversity in Artificial Intelligence and Fintech? What are the major policy issues concerning the Community Reinvestment Act? Chairwoman Maxine Waters of the Financial Services Committee sits down with Fintech Beat's Chris Brummer and explains how lawmakers are trying to keep up with Facebook, financial inclusion and more. Learn more about your ad choices. Visit mega...

Fintech Beat speaks with innovator Jeffrey Bandman who served as the architect of LabCFTC. We take a deep dive to explore blockchain technology and how it can be applied to capital markets, and the infrastructure supporting digital securities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Despite all the talk about innovation in the US economy, start-up rates in America are near historic lows.  Fintech Beat sits down with Kabbage, an Atlanta-based online lender for small businesses seeking to tackle the problem, and discusses risks and rewards of AI and automation in a world increasingly concerned with bias, privacy, and the cost of capital. Learn more about your ad choices. Visit...

China has sent shockwaves through the global financial system announcing that its central bank would soon introduce a digital version of its domestic currency, the yuan. Fintech Beat sits down with key IMF officials to learn about what a state-backed ‘cryptocurrency’ means for the yuan as a potential rival to the dollar. Learn more about your ad choices. Visit megaphone.fm/adchoices

Open banking is set to shake up financial experiences for customers across the globe, enabling customers to allow third parties to access financial information needed to develop new apps and services. Fintech Beat sits down with the head of policy at Plaid, a unicorn fintech sitting in the middle of the revolution, to discuss the process of information sharing and how regulation shapes it. Learn m...

In this joint podcast, FRT and Fintech Beat team up to cover October's whirlwind of fintech discussions taking place at the Institute of International Finance, DC Fintech Week, the International Monetary Fund and World Bank--and just after Mark Zuckerberg's testimony before Capitol Hill about Libra. Learn more about your ad choices. Visit megaphone.fm/adchoices

Joe Lubin, the co-founder of Ethereum and founder of ConsenSys, is planning a big upgrade to the Ethereum blockchain. Fintech Beat sits down with him to discuss the changes--as well as what he thinks about Libra and the CFTC's stance that Ether is a commodity. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brad Garlinghouse, the CEO of Ripple, is laser focused on building out XRP's use case as a bridge currency. Fintech Beat sits down with him to discuss Ripple's business strategy--and what he thinks about Libra, central bank digital currencies, and navigating regulatory uncertainty. Learn more about your ad choices. Visit megaphone.fm/adchoices

Remittances are poised to grow to $550 billion this year - making them the single biggest source of external funding for recipient economies according to the World Economic Forum. More money is pumped into developing countries this way than by direct investment. But it's often costly and inefficient. But Fintech, specifically blockchain technology, may be able to help. Learn more about your ad cho...

What is Uber? It’s not just a ride share company and definitely more than a technology company. Increasingly, it’s a fintech company, too. We speak to the CEO of Uber Payments LLC and Uber's associate counsel to explore the company's identity. Learn more about your ad choices. Visit megaphone.fm/adchoices

Uncertainty is the bane of the crypto industry, with limited predictability about the scope of securities laws—and more fundamentally, whether or not any cryptocurrency is a security. The principal of Notation Capital and the former general counsel of the CFTC join Fintech Beat to shed some light on Block.one’s settlement with the SEC.  Learn more about your ad choices. Visit megaphone.fm/adchoice...

What is money? The answer is one of the most contested issues for regulators of fintech. As nonbank financial services and cryptocurrencies have hit the mainstream as substitutes for money, financial experts are also beginning to differentiate between "bad" and "good" money. Fintech Beat takes a closer look with the author of a new study conducted with SWIFT, the global payments firm. Learn more a...

Cryptocurrencies are increasingly the tool of choice for drug dealers and corrupt actors. Prosecutors say they have seized nearly $1 billion worth of digital coins in busts around the world. But how is crypto treated as a matter of US law—and what does the IRS do with its seizures? To find out, Fintech Beat sits down with one of the IRS’s top crypto cops. Learn more about your ad choices. Visit me...

Fintech Beat explores the good, the bad and the ugly when it comes to investing in financial technology. Host Chris Brummer explores when it may make sense to invest and when it may not. Here is a sneak peak into the ABC's of fintech investing. Learn more about your ad choices. Visit megaphone.fm/adchoices

Real-estate investing isn't just for the rich anymore. Now, it's possible for anyone to buy pieces of real estate from New York to Los Angeles on a phone. Fintech Beat talks with the CEO of Fundrise, a leading real estate crowdfunding platform, about radical changes coming to investing, and what an economic slowdown could mean. Learn more about your ad choices. Visit megaphone.fm/adchoices

When is a bank not a bank? This question goes to the heart of what the Comptroller of the Currency has to keep in mind when making regulatory decisions and Fintech. This and more on this week's episode of Fintech Beat. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Labor Day episode, the Fintech Beat podcast explores the unique relationship between hip-hop and crypto and unveils its first Fintech Beat playlist culled from listener suggestions. Learn more about your ad choices. Visit megaphone.fm/adchoices

With China’s announcement that its central bank is close to launching a digital version of their currency, Fintech Beat sits down with IMF officials for a behind-the-scenes peek at what goes into a country's strategy. We will also reveal which country was first. It may not be what you think.  Learn more about your ad choices. Visit megaphone.fm/adchoices