Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more tune in to Fintech One•On•One (formerly the Lend Academy Podcast).
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Fintech news from around the world
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Comedy sketches and humorous intellectual discussions form this unique and hilarious podcast.
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A behind-the-scenes look at company building from the perspective of builders themselves - this is how we operate! With host Carey Ransom.
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Headed by Pastor Frances L. Johnson Our Mission It is our desire that through the preaching and teaching of the Word of God that the lost will be won and that we continually challenge and motivate the Body of Christ to persevere and mature in Christ Jesus. Heavenly Sent Christian Ministries is located at 817 3rd Ave So, 2nd Floor Renton, WA 98055 Phone 425 255-2670 Wednesday 6:45 - 8:30 pm Sunday Morning Worship - 11 AM (Children's church every Sunday)
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Fintech Lending Legend: History & Future - Peter Renton, Founder and CEO of Renton & Co
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In this episode of the Operate Podcast, we take a behind-the-scenes look at the birth of fintech P2P and marketplace lending with Peter Renton, one of its pioneers. Peter shared his extensive background, starting from his early days as a self-directed investor to founding key fintech companies like Lend Academy and LendIt, which later became Fintec…
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Ricardo Pero of SellersFi on building a fintech lender focused on e-commerce merchants
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An e-commerce merchant is a unique type of business. They are built on top of a platform like Amazon, eBay or Shopify and as such there is a great deal of empirical data about their business. Which means that there is rich data available for lenders to feed into their underwriting models. My next guest on the Fintech One-on-One podcast is Ricardo P…
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Wayne Slavin of Sure on building the technology rails to make insurance fully digital
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People often say that technology in insurance is just five years behind other areas of finance. But the reality is the technology rails that have been built for payments, lending and deposits have taken decades of evolution. Insurance is different. There is no Plaid, Stripe or even ACH for insurance, and so we have a product that still relies on a …
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JB Orecchia of SavvyMoney on building credit score solutions for banks, credit unions and fintechs
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The humble credit score has come a long way. Consumers, particularly younger consumers, are more aware of their credit score today than ever before. Historically, banks and credit unions have been the gatekeepers of our financial lives so it makes sense that they would want to provide information and context around credit scores. At the same time d…
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Emmanuel Daniel of TAB Global on the new building blocks needed to succeed in the future of finance
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The financial system has become so much more complex over the last couple of decades that it is difficult to know what current trends will have staying power. How will the future financial system organize itself and will it look that much different to what we have today? I put these questions to one of the global thought leaders in fintech. My next…
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Oban MacTavish of Spade on creating a real-time system of enhanced card merchant data
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The core of the card payments system as we know it today has been around for many decades. This system has a number of major shortcomings, not least of which is the 45-character limited established by the ISO 8583 standard. That may have been enough characters back in the 1980s but it is severely limiting in today's complex world. But problems like…
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Ryan Rosett of Credibly on using Generative AI for underwriting small business loans
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The Generative AI hype is not dying down. But where are the use cases in fintech beyond the basic chatbot? Particularly in fintech lending where AI has been used in underwriting for more than a decade. But not Generative AI. That is why I was very interested to chat with today's guest who has created a patent-pending Gen AI use case. My next guest …
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Fintech Balancing Act: Risk, Growth & Regulation - Jason Mikula, Founder of Fintech Business Weekly
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In this episode, we get an insider look into the financial technology landscape with Jason Mikula. Jason shares his journey, from his unexpected entry into financial services and digital marketing to launching the publication Fintech Business Weekly. He emphasizes the importance of understanding customer acquisition metrics and analyzes the evoluti…
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Arjuna Costa of Flourish Ventures on venture capital for a fair financial system
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It is the big challenge for fintech: making the financial lives better for the those who are underserved. We have come a long way in the past decade but there is still so much more that has to be done. And one of the people who has been at the center of this fintech transformation is Arjuna Costa, Managing Partner at Flourish Ventures. He is someon…
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Neal Desai of Kafene on building a category leader in lease-to-own financing
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While BNPL has gathered all the attention these past few years, there is another point-of-sale financing category that has been around for decades: lease-to-own, sometimes called rent-to-own. It has historically been full of unscrupulous actors charging excessive fees and it is not an area that has received much attention from fintech companies. My…
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Short Story, Big Impact: An E-Commerce Fashion Revolution - Isabella Sun, Founder & CEO of Short Story
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In this episode of the Operate Podcast, we give you a behind-the-scenes look at company building with Isabella Sun, Founder and CEO of Short Story, a subscription e-commerce company serving petite women. The discussion sheds light on Isabella's journey from a structured finance career to becoming a successful e-commerce entrepreneur catering to a n…
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Misha Esipov of Nova Credit on building the next generation of credit infrastructure
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The resources that consumer lenders have to work with today are better than ever before. Gone are the days when risk officers could just pull a bureau file and have access to the best data about a potential borrower. The credit infrastructure tools today are more sophisticated and predictive, allowing lenders to serve more borrowers without expandi…
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David Metz of Prizeout on blending adtech with fintech for credit unions
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There is a shift that is beginning to happen in financial services: using purchase history to provide more personalized offers from merchants. There is no richer data for advertisers than knowing how we actually spend our money. This is one of the reasons behind the huge growth of BNPL but today, there are some credit unions that are on the cutting…
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Carolyn Rodz of Hello Alice on supporting small business owners
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The journey of the small business owner is often a lonely one. For many people, particularly first-time entrepreneurs, starting a small business can be overwhelming. But today, with the tools available, there has never been a better time to start a business. Having said that, most new small businesses don't make it to five years. What we need is a …
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Dancing Through Chaos: People Centric Leadership - Tiffany Haynes, COO of Fingercheck
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In this episode of the Operate Podcast, we got a behind-the-scenes look at company building from Tiffany Haynes, COO at Fingercheck. Tiffany discussed her transition from a 19-year career at Jack Henry to her role at Fingercheck, a startup focused on payroll and HR services for small businesses. She highlighted the challenges and learning curves sh…
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Rory O'Reilly of Knot on connecting cardholders to merchants
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It is a simple problem that every card issuer has. You have issued a credit or debit card to a new customer, so how do you get them to actually use it? More than that, how do you encourage this customer to make this new card their primary payment card. My next guest on the Fintech One-on-One podcast is Rory O'Reilly, the CEO and Co-Founder of Knot.…
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Nico Simko of Clair on a different approach to earned wage access
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I have made no secret of my affection for earned wage access (EWA) as a product. It has been growing rapidly, particularly the last couple of years, as more consumers realize what a great tool it is. There have been several different approaches to implementing EWA from the major players in the space but no one has approached it the same way as Clai…
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Bank & Fintech Partnerships: Compliance is Key - Rafael DeLeon, SVP of Industry Engagement at NContracts
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In this episode of the Operate Podcast, we dive deep into the evolution of 'Banking as a Service' (BaaS) and its complexities. My guest, Rafael DeLeon, the SVP of Industry Engagement at NContracts, shares his extensive insights on the partnership dynamics between community banks and fintech companies. We explored how these relationships started, th…
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Jane Larimer of Nacha on operating the largest payments network
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The largest payments network, by volume, is the ACH network. A dollar value of several times US GDP flows through the network each quarter. It is a 50-year-old network that is reliable, ubiquitous, and still growing. While several shiny new payment rails have been developed, the workhorse of the economy remains ACH and will remain so for some time.…
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Anthony Sharett of Pathward on how to do banking-as-a-service right
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[Editor's note: This interview was recorded on April 16, six days before the news of the Synapse bankruptcy and several weeks before any of the major problems that came to light at fintechs that were working with Synapse.] To say the banking-as-a-service space is having a moment is an understatement. But many banks have been doing this successfully…
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Joel Sequeira of IDology on using AI in identity verification
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When I think about the hottest areas in fintech these days identity verification is right at the top of the list. It impacts anyone doing business online so whether you are a bank or a fintech you need to stay on top of this fast-moving space. My next guest on the Fintech One on One podcast is Joel Sequeira, the Director of Product Management at ID…
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Upgrading Commercial Real Estate Banking - Shayne Skaff, Co-founder & CEO of Blooma
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In this episode of the Operate Podcast, we delve into the use of AI & Machine Learning within the commercial real estate lending industry. My guest is Shayne Skaff, co-founder and CEO of Blooma, a SaaS company revolutionizing commercial real estate lending and portfolio management. Our discussion outlines Shane's entrepreneurial journey, the origin…
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Brendan Carroll of Victory Park Capital
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In the early days of the online lending space, when it came to institutional capital, one name seemed to be in more deals than any other: Victory Park Capital. And while the industry has matured a great deal since then, in no small part thanks to the capital invested by Victory Park, their thesis remains the same: lend money where banks won't. My n…
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The payments processing space has seen a huge amount of innovation in the past decade, maybe more than any other area of fintech. This innovation has presented opportunities for non-fintech companies to earn a new revenue stream via payments processing, which in turn has created a new sub-niche for fintech companies. My next guest on the Fintech On…
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Security Culture In & Beyond Your Bank - David Shipley, Co-founder & CEO of Beauceron Security
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In this episode, we delve into cybersecurity and the importance of making it relevant to each individual, beyond just their organization. My guest is David Shipley, Co-founder and CEO of Beauceron Security. David shares his journey from a career-altering cybersecurity incident at the University of New Brunswick to leading a cloud-based platform des…
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Latin America continues to be, in my opinion, the most dynamic and interesting region in the world when it comes to fintech innovation. And there are now significant billion dollar deals getting done as some of the biggest financial institutions on the planet are looking to make their mark in the region. My next guest on the Fintech One-on-One podc…
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Have you ever stopped to consider the data behind a debit or credit card transaction? I have not given it much thought, but there is a real treasure trove of information that, for the most part, is still not being used effectively. My next guest on the Fintech One on One podcast is Mitch Jacobs, the CEO and founder of Plink. You may recognize Mitch…
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One of the many challenges for low and middle income (LMI) consumers is building wealth. If you are living paycheck to paycheck with no savings you are more focused on financial survival and likely don't feel you have the capacity to build wealth. This is where Stash comes in. My next guest on the Fintech One-on-One Podcast is Liza Landsman, the CE…
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The anti-fraud space has really heated up this past 12 months as fraud attempts have been on the rise and bad actors have become more sophisticated. Often, it can feel like an increasingly difficult battle to win, but there is reason for optimism. My next guest on the Fintech One-on-One podcast is Tommy Nicholas, the CEO and Co-Founder of Alloy. To…
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Christina Riechers of Square Banking
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I don't think any fintech company has done more for small business than Square. They started with payment acceptance and have since expanded into many different areas of fintech. In fact, their lending business is now the largest in all of fintech. But it was the addition of Square Banking that has allowed this fintech pioneer to bring it all toget…
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Chris Dean of Treasury Prime
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The area of fintech that has been in the news most so far this year is, without doubt, banking as a service (BaaS). We have seen consent orders, layoffs, banks ending fintech programs, ongoing disputes between BaaS companies and fintechs and there have been pivots from some of the BaaS providers. My next guest on the Fintech One-on-One podcast is C…
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Julie Szudarek of Self Financial
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Until fintech came along, there was a serious catch-22 when it came to establishing credit. There was no easy way to establish your own credit score without first obtaining credit. This became a real problem with Gen-Z and even younger millennials who have avoided credit cards. But for most people, successfully establishing a good credit score open…
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Data-Driven Banking Strategies & Competitive Edge - Brian Bauer, CEO of Revio
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In this episode of the Operate Podcast, we delve into the essential role that technology and data analytics play in the banking industry's future. My guest was Brian Bauer, CEO of Revio, a promising banking and analytics technology startup that's making waves by assisting banks in leveraging their core banking transaction data to foster growth. Bri…
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Dan Arlotta of Garnet Capital Advisors
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The secondary loan market has played an important role in the history of fintech lending. It was important for those early loan buyers to know that there was a robust market in place if they needed to sell a loan portfolio. And sometimes platforms would hold the loans on their own balance sheet for a few months before offloading in a secondary loan…
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Knowing Your Partners: Fintech & Banks - Adam Shapiro, Partner & Co-founder of Klaros Group
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Given all that is going on in partner banking between community banks and fintechs, it was good timing to have Adam Shapiro on from Klaros Group. We took a deep dive into the evolving landscape of the financial industry, particularly at the intersection of banking, innovation, and regulation. Adam shared his extensive experience in it. Our discussi…
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Adam Famularo of WorkFusion
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AI is making its way into many areas of banking and fintech but one area where it already has a strong foothold is detecting financial crime. And there are some companies doing new and innovative things with this AI technology here. My next guest on the Fintech One-on-One podcast is Adam Famularo, the CEO of WorkFusion. His company has created thes…
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Better Risk Management For Community Banks - Michael Berman, Founder & CEO of NContracts
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Entrepreneurs always inspire me, and Michael Berman re-affirmed that when we met a couple years ago. It's also been a pleasure to build a partnership with him and his company, NContracts. He shared a lot of company and personal history, as well as industry perspective, in this conversation. With an increased need for efficient and effective risk, v…
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Mark Gould of Federal Reserve Financial Services
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When FedNow launched last July there was a lot of excitement in the financial community about the first new payments rail from the Fed in fifty years. There was also some trepidation. What would the rollout look like? Would banks take a wait-and-see approach? And how would the presence of RTP affect adoption? Now, almost eight months later we have …
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Ana Mahony of Addition Wealth
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When it comes to financial health there is still much work to be done. While fintech has certainly made an impact here the average consumer is no more financially healthy than they were a decade ago. This is a problem that fascinates me and I love it when I talk to companies that are making a real difference in this area. My next guest on the Finte…
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Consider the humble email address. Most of us don't give this part of our identity a second thought but there is a wealth of information that can be gleaned from this one piece of data. And when it comes to fraud the email address is the most consistent predictor, more than any other data point. My next guest on the Fintech One-on-One podcast is Di…
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