Fintech Takes

Alex Johnson
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Sep 3, 2025 • 1h 12min

Fintech Recap: Open Banking, BaaS Island, and GENIUS Act Updates

Delve into the complexities of open banking as new regulations open old wounds about data access and privacy. Discover the fallout from Synapse's bankruptcy and what it means for distressed investors eyeing new opportunities. We uncover the implications of the GENIUS Act, which sets the stage for stablecoins but also presents potential pitfalls. Lastly, explore the intriguing intersection of finance and speculation, where prediction markets and SPACs challenge traditional norms. Buckle up for a whirlwind tour of fintech's latest drama!
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10 snips
Aug 29, 2025 • 57min

Fintech Takes x SOLO Presents Source of Truth Episode 2: Context is King

In this discussion, Martin Kleinbard, Founder of Granular Fintech and author of a pivotal research report, delves into the evolution of credit scoring since FICO's rise in 1995. He critiques the overreliance on credit scores, emphasizing how this can replace nuanced judgment in lending. Kleinbard highlights the importance of cash flow and product risk, revealing insights into today's lending landscape. He also addresses second-order risks and the impact of innovative finance models, reiterating that understanding context is essential for responsible lending.
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Aug 28, 2025 • 53min

Fintech Takes x SOLO Presents Source of Truth. Ep 1: Is Truth Enough to Unlock Trust?

Hello, and welcome to Source of Truth, a new podcast miniseries from Fintech Takes, sponsored by our friends at SOLO. This series is about information asymmetry (which is *the* enemy in financial services — especially in lending).  Information asymmetry (the gap between what the customer knows and what the financial service provider knows) explains most inefficiencies. It’s the reason why qualified applicants get declined for loans or approved for loans at rates much higher than they should have to pay. And it’s the reason why borrowers and human underwriters spend a mind-numbing number of hours locating, aggregating, and verifying information. We’ve added APIs, alternative data, and automation. Yet, the core process of collecting and trusting information still looks much like it did decades ago. Why is that? And what can be done to reshape that process in a more fundamental way? These are the questions that Source of Truth will explore. In Episode 1, I’m joined by Georgina Merhom, Founder & CEO of SOLO.  Georgina, a data scientist by training, unpacks how lending data is collected, verified, and (too rarely) reused. Highlights include: What the old-school branch lending process got right that digital still misses Why banks still burn through $30B each year on manual collection despite APIs The difference between standardized inputs (useful) and standardized outputs (misleading) This opening episode tees up the larger theme of the series: building systems that don’t just capture truth but create trust.  Because when information can be reused and verified, lenders and borrowers stop starting from zero. Subscribe now and catch the rest of Source of Truth. This miniseries is brought to you by SOLO. SOLO resolves and connects customer data across silos — so teams stop rekeying the same customer info for the hundredth time and finally move forward. Break the cycle at SOLO.one - That’s SOLO dot o-n-e. 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:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Georgina: LinkedIn: https://www.linkedin.com/in/georginamerhom/ Learn more about SOLO here.
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Aug 27, 2025 • 1h 16min

Bank Nerd Corner: CFPB’s Flip, Crypto’s Endgame, and The Erebor Backdoor

Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes!  That’s right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest).  Kiah’s podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you’re listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription). Now, onto Bank Nerding!  First up,  the topic that's going to end up on my tombstone when I die: open banking.  We dig into the CFPB’s sudden flip on open banking. JPMorgan Chase tried charging for data access, the Bureau hit pause on litigation, and now an accelerated rulemaking process is underway. Will banks get the green light to price data, or did Chase just overplay its hand? Is this the beginning of monopoly pricing in disguise? Next, Kiah schools Alex (and the rest of us) on why crypto firms are suddenly obsessed with national trust charters (what they are, why they matter, and how they could function as narrow banks in disguise). Stablecoin reserves, custody rules, and OCC oversight are all on the table. And finally, the Palmer Luckey-backed digital bank Erebor enters the chat, promising to be the new Silicon Valley Bank for startups, crypto, and defense companies. Their pitch: political connections will fast-track their national bank charter with the OCC. But can political connections really expedite a de novo charter without wrecking regulators’ credibility? 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 Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson
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12 snips
Aug 20, 2025 • 1h 15min

Inside Open Banking’s Rule, Reversal, and Reset

Dan Murphy, Founder of Sunset Park Advisors and former CFPB official, shares his insider knowledge about the transformative journey of open banking regulations. He highlights the surprising bipartisan consensus that initially supported the rule and examines how JPMorgan's API fee strategy backfired, uniting various stakeholders against it. The conversation also delves into unresolved issues like data access fees, liability in cases of error, and the future of data portability in a rapidly changing financial landscape.
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Aug 14, 2025 • 1h 6min

Fintech Takes x FairPlay Presents Model Citizens: AI Compliance for Banks and Fintech Lenders Title: E6: Crystal Ball – The Future of Financial Regulation

Tom Brown, a seasoned lawyer and investor, and PR Stark, Director of Machine Learning Research at FinRegLab, dive into the intriguing future of AI in finance. They discuss the transformative potential of agentic AI—systems that not only analyze but also make decisions. The conversation explores how AI can reshape customer loyalty, re-evaluate compliance roles, and why traditional banks may be surprisingly prepared. They highlight both opportunities and risks, emphasizing the need for innovative regulatory frameworks to ensure consumer protection in this rapidly evolving landscape.
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Aug 13, 2025 • 50min

Why Is This Happening? The CFPB’s 14-Year Culture War

Dive into the tumultuous history and ongoing culture war surrounding the Consumer Financial Protection Bureau. Explore fascinating anecdotes, like cockroach-infested offices and chainsaw-wielding regulators. Gain insights from former staffers about the agency's struggles against governmental overreach. Discover fresh updates on recent CFPB actions and their implications for the future. This engaging exploration sheds light on the vital role of consumer protection in financial markets while providing a captivating narrative throughout.
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Aug 12, 2025 • 55min

Fintech Takes x FairPlay Presents Model Citizens: AI Compliance for Banks and Fintech Lenders Title: Episode 5: AI Agents in Financial Services: What Happens When Robots Make the Calls?

Guest Alex O’Rourke is a fintech advisor, lawyer, and AI cofounder who aids in understanding AI's roles. Joining him is Jay Budzik, Senior VP at Fifth Third Bank and an expert in applying AI in finance. They dive deep into agentic AI, discussing its potential to redefine customer interactions and loyalty by acting autonomously. The conversation highlights risks like compliance issues and ethical concerns, emphasizing the need for human oversight. It’s a fascinating exploration of how AI could reshape financial services for both businesses and consumers.
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11 snips
Aug 11, 2025 • 51min

Fintech Takes x FairPlay Presents Model Citizens: Ep 4: Customer Acquisition in the Age of AI

Alana Levine, Chief Revenue Officer at Fintel Connect and a seasoned growth marketer, joins to unpack how AI is transforming customer acquisition. She discusses the power of AI in pinpointing target customers with unprecedented precision while navigating the thin line of personalized marketing and privacy. The conversation also dives into the rise of ‘no click’ discovery and its impact on tracking, alongside the vital need for compliance in marketing strategies to foster trust in an AI-centric consumer landscape.
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8 snips
Aug 6, 2025 • 1h 4min

Not Fintech Investment Advice: Alix, Narrative, Ogment AI, & SOLO

In this intriguing discussion, Simon Taylor, author of Fintech Brain Food and a fintech expert, delves into innovative solutions reshaping the industry. He introduces Alix, a service easing estate settlements, blending AI with human support. The conversation shifts to Narrative, an AI startup streamlining consumer complaint resolution. Finally, they explore Ogment AI's vision for agentic commerce, aiming to empower merchants in the era of large language models while tackling the challenge of brand representation. It's a blend of compassion, compliance, and cutting-edge tech.

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