On the Ledger

In this episode, Andrew Wang, CEO and Co-Founder of Valon, breaks down the future of the $13 trillion mortgage market. Drawing on his experience building a "regulated OS," he explores why mortgage servicing is still trapped in 1970s mainframe technology and how vertical integration is the only path to true modernization. Get his expert forecast on why 99% of the mortgage industry will be...

In this episode, Jim McCarthy, CEO of Thredd and former Visa EVP, offers a masterclass on the future of FinTech. With nearly 30 years of experience, he dives into why neobanks must pivot to lending for profitability, the problem with banks' siloed "core" systems, and the massive, underrated power of tokenization. Get his expert forecast on how stablecoins will revolutionize cross-bor...

In this episode, Triane Chang, SVP, Business Ventures & Partnerships at Experian, discusses the evolution of financial wellness and the role technology plays in reshaping consumer credit. She shares her path through fintech—from Schwab and Visa to Experian—and how those experiences shaped her approach to using data and design to improve people’s relationship with money. The conversation explor...

In this episode, Triane Chang, SVP, Business Ventures & Partnerships at Experian, discusses the evolution of financial wellness and the role technology plays in reshaping consumer credit. She shares her path through fintech—from Schwab and Visa to Experian—and how those experiences shaped her approach to using data and design to improve people’s relationship with money. The conversation explor...

In this conversation, Matthew Goldman, Founder of Totavi, discusses the evolution and future of card programs in the fintech space. He explores transformative developments over the past two decades, the challenges of KYC and open banking, and the importance of niche card programs.  The discussion also covers the convergence of buy now pay later options with traditional card programs, the role of s...

In this episode, Ravi Mikkelsen, CEO and founder of Atmos Financial, discusses the intersection of clean energy and lending.  He shares his journey into the clean energy sector, the technology behind Atmos's lending platform, and the unique challenges and opportunities in financing clean energy projects.  The discussion also covers the impact of AI, climate change on financing, and the importance...

In this episode, Brian Fishbein, Chief Investment Officer at Column, shares insights into the bank’s evolution as a nationally chartered institution built to serve fintech partners. Brian unpacks the complexities of sponsor banking, the shifting regulatory landscape, and the critical role strong relationships with regulators play in navigating this space. The conversation explores how fintech part...

In this episode of Lenders on Lenders, Mike Taormina, co-founder and CEO of Vault, discusses his extensive background in lending, from student loans to crypto lending.  He explains the evolution of digital assets in the lending space, the unique approach Vault takes to integrate digital assets as collateral, and the current regulatory landscape.  The trio also addresses common misconceptions about...

Colton and Julie are joined by Wade Arnold, CEO of Moov, to discuss his company's innovative approach to payment processing.  Wade explains how Moov operates as a low-level processor connected to major card networks and emphasizes how consumer expectations drive payment innovations.  He shares his journey from software engineer to entrepreneur, the challenges of navigating legacy systems, and the...

In this episode, Julie and Colton sit down with Will Tumulty to discuss the evolution of Rapid Finance, a company dedicated to providing small businesses with access to capital.  They explore the challenges and advancements in small business lending, emphasizing the importance of data-driven decision-making, convenience in the lending process, and the impact of regulatory changes.  Will shares ins...

In this episode, Julie and Colton sit down  with Claire Tomkins, CEO and founder of Future Family, about the challenges and innovations in the fertility care industry. They discuss the high costs of fertility treatments, the personal journey that led Claire to start Future Family, and the importance of providing financial solutions for families. The conversation also covers Future Family’s launch...

In our debut episode, Adam Finke, CEO of tuo, shares insights on the evolving fintech landscape, highlighting the importance of regulatory compliance, financial inclusion, and the role of technology in enhancing credit access. He also discusses challenges in the lending market, the impact of recent banking events, and the significance of effective identity verification, partnerships, and staying i...