Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

Episode 80 of Fintech Conversations with Fexingo explores how fintechs are using AI for real-time invoice discounting. Lucas and Luna break down the mechanics—how platforms like Taulia and C2FO leverage machine learning to price receivables dynamically, assess buyer credit risk in seconds, and disburse funds within hours. They discuss a concrete example: a mid-sized manufacturer in Ohio that used...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintechs are using AI to optimize payment routing in real time, slashing costs and boosting success rates. They unpack the case of Stripe's 'Optimized Routing Suite', which dynamically selects the cheapest or most reliable payment rails for each transaction. Lucas explains how machine learning models factor in card...

Lucas and Luna dive into how fintechs like Stripe and Adyen are using machine learning models to score transactions for fraud in under 50 milliseconds at the point of sale. They break down the trade-off between false positives and catch rates, how Visa's neural network handles 500 million transactions daily, and why real-time scoring is becoming table stakes for online payments. Plus, a quick look...

In this episode of Fintech Conversations, Lucas and Luna explore the fast-growing niche of embedded insurance for gig economy workers. They break down how fintech platforms like Uber and DoorDash are partnering with insurtechs to offer usage-based, on-demand coverage for drivers and delivery workers. Lucas explains the numbers: the embedded insurance market is projected to reach $70 billion by 203...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs like Chase, Citi, and SoFi are using machine learning models to dynamically adjust credit limits in real time. They break down how these systems analyze transaction patterns, account balances, and external data to offer instant limit increases or decreases—without a human pulling a credit report. The hosts d...

Episode 75 dives into how fintechs are using AI to dynamically route cross-border payments across multiple corridors, slashing costs and settlement times. Lucas and Luna examine the case of Wise (formerly TransferWise) and its machine learning model that selects the optimal currency path in milliseconds, handling over 10 billion dollars in monthly volume. They also explore how smaller players like...

Episode 74 of Fintech Conversations explores how open banking is reshaping small business lending. Lucas and Luna dive into a case study: Kabbage (now part of American Express) and how it used real-time transaction data from business bank accounts to underwrite loans in minutes, not weeks. They discuss the shift from traditional credit scores to cash-flow-based lending, the role of APIs in aggrega...

Episode 73 of Fintech Conversations with Fexingo dives into stored-value wallets as an embedded loyalty tool. Lucas and Luna unpack how brands like Starbucks and Walmart have turned prepaid balances into sticky ecosystems, and explore a surprising case: a regional gas station chain that boosted repeat visits 40% by launching its own stored-value card tied to discounts and gamified rewards. They co...

Lucas and Luna explore how fintech companies are applying AI to automate invoice factoring, a centuries-old financing method. They focus on the case of Fundbox, which uses machine learning to underwrite and advance funds on outstanding invoices in minutes, not days. The hosts break down the technology—how AI models assess invoice quality, client creditworthiness, and fraud signals in real time—and...

Episode 71 of Fintech Conversations with Fexingo explores the rise of buy-now-pay-later in business-to-business purchasing. Lucas and Luna break down how startups like Billie and Hokodo are offering net-30 and net-60 payment terms at checkout for small businesses, using AI underwriting to approve merchants in seconds. They compare the model to traditional trade credit and discuss why BNPL for B2B...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using AI to make real-time lending decisions for small businesses. They dive into the case of Kabbage (now part of American Express), which uses machine learning to approve loans in minutes based on live data like sales, shipping, and accounting feeds. Lucas explains how traditional banks rely on outdate...

In this episode of Fintech Conversations, Lucas and Luna explore how fintech companies are using artificial intelligence to predict when a customer is about to cancel their credit card — often before the customer knows it themselves. They break down the specific data signals models track: declining spend velocity, shifts in merchant categories, and changes in payment timing. The hosts walk through...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintech apps are using artificial intelligence to create hyper-personalized savings goals for users. They explore a case study from a digital banking app that analyzes spending patterns, income fluctuations, and life events to automatically suggest savings targets and timelines. Lucas breaks down the technology beh...

Fake reviews cost consumers an estimated $152 billion in wasted spending globally each year, and a new wave of fintech startups is fighting back with AI tools that analyze language patterns, posting behavior, and social graph anomalies. In this episode, Lucas and Luna explore how companies like Yelp, Amazon, and Fakespot use natural language processing and network analysis to flag suspicious endor...

Episode 66 of Fintech Conversations with Fexingo explores a practical, business-focused use of cryptocurrency: cross-border payroll. Lucas and Luna break down how companies like Deel and Bitwage enable employers to pay remote workers in USDC or Bitcoin, avoiding the 3-5 day wait times and 2-4% fees of traditional wire transfers. They examine the mechanics: stablecoin conversion on-chain, regulator...

Episode 65 of Fintech Conversations with Fexingo explores how fintech companies are leveraging real-time bill payment systems to help small businesses and consumers manage cash flow. Lucas and Luna discuss the case of a startup called Float, which uses open banking to offer instant bill scheduling and payment confirmation. They dive into how this technology reduces late fees, improves credit score...

Synthetic identity fraud is the fastest-growing type of financial crime in the US, costing lenders an estimated $6 billion annually. In this episode, Lucas and Luna explore how fintechs are using AI and machine learning to spot fake identities that blend real and fabricated data. They dive into the specific techniques—graph neural networks that map device-account-phone connections, behavioral biom...

Episode 63 of Fintech Conversations with Fexingo dives into how artificial intelligence is transforming the tedious process of accounting reconciliation. Lucas and Luna explore a specific case: how a startup called AutoRecon used machine learning to cut close times from two weeks to under an hour for a mid-market retailer with 40,000 daily transactions. They discuss the technology stack — natural...

In this episode, Lucas and Luna explore how fintech companies are deploying generative AI to deliver tailored financial guidance at scale. They focus on Wealthfront's 'Ask AI' feature—a chatbot that uses large language models to answer client questions about tax-loss harvesting, asset allocation, and retirement planning. The hosts discuss how the system ingests a user's portfolio and risk profile...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into the world of automated expense report auditing. They explore how companies like Expensify, SAP Concur, and emerging AI-first startups are using machine learning to flag policy violations, detect duplicate receipts, and even predict audit risk in real time. Lucas explains how a mid-size marketing firm cut its expense pr...

This episode of Fintech Conversations dives into the tokenization of real estate assets for crowdfunding. Lucas and Luna explore how blockchain technology is enabling fractional ownership of commercial and residential properties, lowering minimum investments to just a few hundred dollars. They discuss the case of RealT, a platform that tokenized a Detroit apartment building, allowing investors wor...

Episode 59 of Fintech Conversations with Fexingo explores how variable recurring payments (VRPs) are transforming B2B transactions. Lucas and Luna break down a real case: a UK-based construction materials supplier switched from invoice-based payments to VRP rails, cutting payment delays from 45 days to same-day settlement. They explain how VRPs differ from direct debits, the role of open banking A...

In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are adopting voice cloning technology for customer service. They focus on the case of Bank of America, which began piloting voice clones of its customer service agents in late 2025. The hosts break down the technology behind real-time voice synthesis—how it uses a small sample of a human agent's voice to gen...

Episode 57 of Fintech Conversations with Fexingo dives into usage-based insurance (UBI) pricing powered by AI. Lucas and Luna explore how startups like Lemonade, Root Insurance, and UK-based Tractable use machine learning models that ingest telematics, satellite imagery, and IoT data to adjust premiums in real time. They break down the shift from actuarial tables built on static demographic cohort...

Episode 56 of Fintech Conversations: Lucas and Luna explore how fintechs are using geofencing to trigger payments, offers, and authentication based on a user's physical location. They dive into a real-world case: a coffee chain that lets customers pre-order and auto-pay when they walk within 50 feet of a store. Lucas explains how geofencing reduces checkout friction while raising new privacy and b...