
Fintech Takes
Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat. Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking. Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.Subscribe now to join fintech’s nerdiest podcast around!
Latest episodes

9 snips
Jun 25, 2025 • 54min
Fintech Takes: Credit Scores, Cash Flow, and the Coming Trust Collapse
Martin Kleinbard, an advisor at Granular and former CFPB official, shares his expertise on the pitfalls of traditional credit scoring. He traces the origins of FICO scores and discusses how well-intentioned legislation led to over-standardization and systemic risks in lending. The conversation highlights the inadequacies of relying solely on credit scores, especially in the digital age. As AI changes the landscape, Kleinbard warns of a looming trust collapse in credit assessments, advocating for cash flow data as a more reliable alternative.

9 snips
Jun 18, 2025 • 1h 1min
Fintech Takes: Are Stablecoins a Threat…or Just Better Infrastructure?
In this conversation, James Wester, co-head of payments research at Javelin Strategy & Research and former PayPal strategist, dives deep into the world of stablecoins. He discusses their potential impact on community banks, highlighting innovation hurdles they face. Wester explains how programmability sets stablecoins apart, making them appealing to treasurers and developers. The discussion also covers regulatory challenges, consumer risk communication, and the unique financial landscape stablecoins create, suggesting a necessity for supportive regulations to foster growth.

7 snips
Jun 11, 2025 • 1h 7min
Not Fintech Investment Advice: Nekuda, Vontive, Atticus, & Affiniti
Discover the intriguing future of payments with Nekuda's AI-driven agentic checkout, challenging traditional fraud models. Dive into Vontive's approach to embedded mortgage lending, linking proptech with private credit for real estate investments. Explore the mysterious Atticus, a stealthy neobank potentially reshaping the stablecoin landscape. Uncover discussions on the regulatory hurdles for stablecoins and innovations in embedded credit solutions. This conversation captivates with the balance of technological advancement and the evolving financial ecosystem.

9 snips
Jun 4, 2025 • 1h 22min
Fintech Recap: Chime’s Rorschach Test, Fintech vs. Sand, and Crypto’s Legislative Makeover
Jason Mikula, a fintech expert and co-host of Fintech Recap, dives into the complexities of Chime’s recent S-1 filing. They analyze whether Chime is a payments company or a bank in disguise, questioning its credit strategies despite hefty marketing spend. The conversation also covers the potential overhaul of the CFPB's open banking rules and its implications for the API economy. Lastly, they discuss the GENIUS Act's impact on stablecoin legislation and a chilling NYC crypto kidnapping story, blending finance with real-world drama.

May 28, 2025 • 1h 1min
Fintech Takes: Gambling, Finance, and the Fallout
Welcome back to the Fintech Takes podcast. I’m your host, Alex Johnson, and today we’re digging into one of the most urgent (and underdiscussed) financial issues in America: gambling. My guest is Alex DeMarco, founder and CEO of MoneyStack, who’s helping reframe gambling addiction not just as a behavioral health issue, but as a financial systems crisis.
Since 2018, when the Supreme Court cracked open the door to state-by-state legalization of mobile sports betting, we’ve seen a gold rush in gambling. Operators are now pulling in more than $70B annually (ads are everywhere, the apps are engineered for nonstop engagement, and the harm is rising fast). In NJ, one of the first states to legalize, 6% of adults are already experiencing moderate to severe gambling-related issues (double the national average).
We connect the dots between gambling and familiar fintech business models: the same behavioral nudges, same VIP economics, the same revenue dependence on a vulnerable sliver of power users. If overdraft fees and gamified trading feel predatory, this is that (but on steroids).
We unpack:
Why sports betting apps now hold three times more per wager than old-school sportsbooks
How engagement tactics mimic (and often outstrip) the most addictive elements of gamified finance
Why we’re watching investing and gambling blur into one screen (and one behavior)
What proactive financial intervention might look like, and why most help comes too late
How banks and fintechs can step up (detecting risk early, training advisors, and supporting families in recovery)
We close with this big question: when gambling is mobile, funded from a checking account, and styled like Robinhood … can the financial industry really say it’s not their problem?
This episode is brought to you by:
Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business.
The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple. Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more.
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
Follow Alex (DeMarco):
LinkedIn: https://www.linkedin.com/in/alexdemarco/
MoneyStack: https://www.linkedin.com/company/moneystack/
Follow Alex (Johnson):
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
LinkedIn: https://www.linkedin.com/in/alexhjohnson
X: https://www.twitter.com/AlexH_Johnson

5 snips
May 21, 2025 • 55min
Not Fintech Investment Advice: Cardamon, Sprive, Figg, & Glide
Simon Taylor, a fintech thinker and author of FinTech Brain Food, joins to delve into intriguing topics. They discuss Cardamon, an AI tool simplifying compliance, challenging expensive law firms. Sprive emerges as a clever app redirecting funds to speed up mortgage payments, though its real value may lie beyond just mortgages. Taylor also highlights Figg Wealth's comprehensive dashboard that tracks net worth, suggesting AI-driven insights could revolutionize wealth management. The conversation is a captivating mix of innovation and industry challenges.

4 snips
May 14, 2025 • 1h 1min
Fintech Takes: What the Hell’s Going On (Bank Regulation, Stablecoins, and Credit)
Rob Blackwell, Chief Content Officer at IntraFi and host of the Banking With Interest podcast, delves into the chaotic world of bank regulation and stablecoins. He discusses Treasury Secretary Scott Bessant's bold moves that could alter the regulatory landscape. The conversation turns to stablecoins, exploring how political tensions are impacting bipartisan progress and the risks of major companies like Amazon entering banking. Lastly, they tackle the future of open banking and the potential rollback of critical regulations, wrapping up with a fun debate that touches on both policy and pop culture.

6 snips
May 7, 2025 • 58min
Fintech Recap: BaaS Breakdown, Super App Déjà Vu, and the Tomo Trainwreck
Explore the ambitious move by Increase to acquire a bank for a robust BaaS future! California’s surprising regulatory actions raise questions about state vs. federal control. Dive into the retro vibes of Ryan Breslow's revamped super app with its flashy new features. And don’t miss the bizarre legal drama unfolding over trademark claims between TomoCredit and Prism, revealing some shifty tactics in the fintech world. With rants and insights, this discussion covers it all!

9 snips
Apr 30, 2025 • 58min
Fintech Takes: The Prodigal Return of Frank Rotman; On Financial Nihilism and Rebuilding The Game
Welcome back to the Fintech Takes podcast. I’m your host, Alex Johnson, and today, one of our favorite guests is making a triumphant return visit—Frank Rotman, founding partner and CIO at QED Investors.
Frank has a theory: in his words, the game of life is getting “harder to win.” Debt is piling up, wages are stagnant, and folks are being told they’re the only ones to blame for their financial struggles. His observation is that more people see themselves as playing PvE (Player vs. Everyone), prioritizing personal survival over collective outcomes. In a world where following the rules doesn’t pay off, so-called "irrational" moves like crypto gambles start making a lot more sense. We unpack what this shift means for finance, behavior, and the economy.
Then, we take on a big question: is traditional financial theory broken? The old "work hard, save, invest in a 60/40 portfolio" model no longer delivers retirement security, and that's because rising costs, debt, and economic shifts have eroded its effectiveness. So, what might replace it? And how can avoiding financial mistakes be just as important as making smart investments?
And finally, we explore how AI is rewriting the future of finance. Instead of generic, one-size-fits-all advice, AI-powered financial guidance could be real-time, scenario-based, and deeply personalized (aka imagine a 150-IQ financial strategist that can help you make smarter decisions on the fly...by actually talking to it? That future’s not so far away).
Instead of shopping for financial products, what happens when AI can custom-build financial products to fit our specific needs? Would that create a system that works for everyone—or just make it even more complex?
Join us for a deep, challenging, and necessary conversation about the future of money, markets, and human behavior.
Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business.
The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple.Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more.
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
Follow Frank:
LinkedIn: https://www.linkedin.com/in/frank-rotman/
X: https://x.com/fintechjunkie
Follow Alex:
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
LinkedIn: https://www.linkedin.com/in/alexhjohnson
X: https://www.twitter.com/AlexH_Johnson

12 snips
Apr 23, 2025 • 1h 2min
Bank Nerd Corner: Trust, Charters, and the Cost of Uncertainty
Welcome back to Bank Nerd Corner, featuring yours truly and—plot twist—not Kiah Haslett. Today we’re flying without our usual co-pilot, but in her place we’ve got Jason Henrichs: CEO of Alloy Labs, Breaking Banks host, and longtime Fintech Takes favorite, first time BNC co-host.
Jason knows he can’t out-nerd Kiah (who among us can?), so instead we’re flying full black-box mode: no segments, just rants.
First rant: VCs have no business chasing board seats if they’re not ready to govern!
We still don’t know what the Synapse board discussed, if anything, as customers lost access to their funds. Then there’s Frank, the fintech that sold a fantasy to JPMorgan. The founder’s taking the heat (rightfully so), but not a word from the investors who stood to benefit most. Shouldn’t they share the blame? How do we build governance into the capital stack…before the next meltdown makes it everyone’s problem?
Second rant: Financial infrastructure isn’t a policy tool, so stop treating it like one!
Credit bureaus are built to assess risk, not engineer outcomes. But during the pandemic, we paused student loan delinquencies, wiped medical debt, and blocked BNPL data to improve scores, which sounds (and is!) very compassionate…but also encouraged lenders to stop trusting the data. It gets worse! The SSA quietly added living immigrants to the Death Master File used to prevent fraud, flagging them as “dead” and freezing them out of the financial system. You want to change immigration law, fine, but weaponizing infrastructure is sabotage! So, how do we restore trust in the rails before we lose it all?
Third rant: Everyone cheered deregulation, but no one told the examiners!
Banks are facing some of the harshest exams in years, and it’s because the regulators with institutional knowledge are gone. What's left are thinly staffed teams defaulting to “no” because they don’t understand “yes.” And fintechs that pursued charters expecting clarity? They’re running into delays, confusion, and examiners who just don’t understand the model. But for most, the charter hasn’t reduced risk…it’s just introduced new kinds.
Fourth and final rant: This isn’t deregulation; it’s deregulation theater!
The CFPB says it won’t enforce parts of the payday lending rule…but doesn’t repeal it. FHFA reverses housing initiatives by tweet. Executive orders bypass public comment with a shrug: “because I said so.” The result is total ambiguity (good actors stay quiet; bad actors run wild). Uncertainty is the new policy…and it’s expensive! Not just for banks and fintechs, but for the trust that holds the whole system together.
Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business.
The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple.Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more.
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
Follow Jason:
LinkedIn: https://www.linkedin.com/in/jasonhenrichs/
Twitter: https://x.com/jasonhenrichs
Breaking Banks podcast: https://podcasts.apple.com/us/podcast/breaking-banks/id641357669
Follow Alex:
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
LinkedIn: https://www.linkedin.com/in/alexhjohnson
Twitter: https://www.twitter.com/AlexH_Johnson