Digital Bank Sub‑brands Are Often Cosmetic

In this episode, Alex Johnson of Fintech Takes and I discuss:

* FICO launches new scores that incorporate pay-in-four buy now, pay later data. But will it make a difference?

* The CFPB files a statement of interest in the Synapse bankruptcy, potentially setting up a backdoor bailout to make out-of-pocket depositors whole. Does it set a bad precedent?

* A brief word on crypto mortgages.

* And, as always, what Alex and I just can’t let go of.