Fexingo
Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Lucas and Luna dissect the forces reshaping how money moves — from the plumbing of real-time payments to the regulatory battles over open banking. Each episode focuses on a single company, regulation, or technology: the rise of embedded finance at Stripe, the transformation of Fiserv's core processing, or the SEC's latest stance on crypto custody. Lucas brings the numbers — market caps, fee structures, adoption curves — while Luna pushes on strategic trade-offs: incumbents versus neobanks, the cost of compliance, the gamble on decentralized ledgers. No hype, no jargon salads. Just the two of t...
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Episodes
How PayPal Became a Super App in 2026 22.05.2026 11:19
Lucas and Luna explore PayPal's transformation from a checkout button to a comprehensive super app in 2026. They dissect the addition of high-yield savings, BNPL integration, crypto trading, and Venmo's social payment features. The episode focuses on PayPal's strategy to increase user engagement and revenue per user, using specific metrics like daily active users and transaction growth. They discu...
The Neobank Profitability Puzzle Solved by Nubank 22.05.2026 9:41
Episode 4 of Fintech Conversations with Fexingo digs into one of fintech's biggest open questions: can a digital-only bank actually make money? Lucas and Luna examine Nubank's path to sustained profitability in Brazil and Mexico, breaking down the unit economics that let it earn over two billion dollars in 2025 — while most neobanks in Europe and the US still bleed cash. They explore how Nubank's...
How Wise Remade Cross-Border Payments 21.05.2026 7:40
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how Wise — formerly TransferWise — redefined the cross-border payments industry. They break down the specific 'multi-rail' strategy that lets Wise bypass SWIFT for 70% of transactions, saving customers over $2 billion annually in fees compared to traditional banks. The hosts discuss the economics: how Wise charges a tran...
The Embedded Finance Revolution in 2026 21.05.2026 9:34
Lucas and Luna explore how embedded finance is reshaping the banking industry in 2026. They drill into the specific case of Shopify's balance-sheet lending program, which has originated over $2 billion in merchant cash advances since 2022. Luna questions whether traditional banks are being disintermediated or just losing the customer relationship. Lucas explains the economics: Shopify's cost to or...
Stripe 150 Billion Dollar Payment Vision 19.05.2026 7:11
In the debut episode of Fintech Conversations with Fexingo, Lucas and Luna dig into Stripe's newly published letter to shareholders, which lays out a vision for $150 billion in annual payment volume by 2030. They explore how Stripe plans to get there — through platform economics, embedded finance, and a controversial bet on stablecoins. The hosts also discuss what Stripe's growth means for incumbe...
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