Fintech Business Podcast

Welcome back to Fintech Business Podcast. In this episode, I talk to Jesse Silverman, formerly an attorney at the Connecticut Department of Banking and the Consumer Financial Protection Bureau, before working in legal roles at fintechs like LendUp, Steady, Nuula, and his present role at payments platform Highline.We had a chance to talk about:* Our time working together at failed startup LendUp, what we learned, and lessons other companies should take away from it* Why regulators always seem to be trailing behind innovation in financial services* Whether or not fintech is actually “expanding access and inclusion” or “democratizing” anything* The CFPB under Director Chopra* and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday: Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Shmulik Fishman, the founder and CEO at Argyle. Argyle provides payroll connectivity infrastructure that powers solutions like income & employment verification, deposit switching, payroll-linked lending and earned wage access.We had a chance to talk about:* Top take aways from last week’s Fintech Meetup conference in Las Vegas* Thinking through the fallout from SVB, Signature, First Republic & more* How payroll data and connectivity can improve lenders’ ability to underwrite* The differences (and similarities) between “open banking” and payroll connectivity* The opportunity from achieving improved regulatory clarity* and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Alex Baydin, founder and CEO of PerformLine, a platform for regulatory and compliance monitoring for brand marketing.We had a chance to talk about:* The complexity of managing marketing compliance in today’s digital advertising ecosystem* Managing workflows and communication in fintech/Banking-as-a-Service relationships* Key takeaways from analyzing millions of CFPB complaints* What Alex is keeping an eye from a regulatory perspective this year* and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Kurt Lin, cofounder & CEO of Pinwheel, a fintech infrastructure company that enables startups and banks to make sense of real time income and employment data.We had a chance to talk about:* Where the “Plaid for payroll data” analogy breaks down* The greater complexity of the payroll and employment data vs. bank account data* Opportunities and risks for integrating payroll and employment in underwriting and managing credit* Evolving macroeconomic risks* and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Alain Meier, the Head of Identity at Plaid. While I imagine most readers/listeners are pretty familiar with Plaid’s core capabilities, the company moved into the identity verification space through its acquisition of Meier’s startup Cognito about a year ago.We had a chance to talk about:* Alain’s experiencing starting and selling Cognito* Use cases for identity verification outside of financial services* Emerging identity tech, like mobile driver’s licenses* The potential and challenge of “self-sovereign” and decentralized identity* and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Michael Sindisitch, EVP & Head of TripActions Liquid, an end-to-end travel, expense, and corporate card solution.We had a chance to talk about:* TripActions recent $300 million equity raise & $400 million credit facility* TripActions unique capabilities vs. others in the travel or expense management spaces* How TripActions thinks about the competitive landscape* TripActions’ experience during COVID and the travel rebound as the pandemic wanes* and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line.Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday: Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Scott Sanborn, CEO of “OG” fintech LendingClub, which made the transition from being a fintech “peer-to-peer” lender to acquiring and becoming a bank.We had a chance to talk about:The factors that drove LendingClub to become a bank; what lessons today’s fintech (and crypto) companies can learn from the challenges LendingClub has navigated; how LendingClub is responding to the changing economic climate; the opportunity and impact of “alternative data,” like cashflow-based underwriting, and novel products, like earned wage access; and more!Special thanks to episode sponsor TripActions, the end-to-end travel, expense management, and corporate card solution.If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Hristo Borisov, cofounder and CEO at Payhawk, a spend management solution enabling mid-sized businesses to spend and scale globally.We had a chance to talk about: Payhawk’s strategy to compete in the increasingly crowded expense management space; how Payhawk’s business and revenue models compare to competitors; lessons learned from scaling Payhawk into 32 countries; differences of building for the US market vs. the European market; and more!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

One last very special podcast from Money20/20. In this live episode, I was joined by David Sinsky, VP of Lending at Unit, Jarad Gilmore, Head of Partnerships at Middesk, Emanuel Pleitez, Head of Business Development at Finix, and Nikhil Sachdev, Managing Director at Insight Partners.In the spirit of Las Vegas and the game night event this was recorded at, we took a gamble on making our best predictions for 2023 on the following topics:How the macroeconomic climate will impact banking and fintechWhat fintech fundraising and valuations will look likeHow Big Techs’ efforts in fintech and banking will unfoldI want to extend a huge thank you to the guests, the event hosts Unit, Middesk, Finix, and Insight Partners, and the teams behind the scene that made this possible — thank you!If you’re interested in sponsoring an episode or appearing as a guest, drop us a line. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

In this episode, I talk to Rex Salisbury, Founder and General Partner at Cambrian Ventures.We had a chance to talk about:-becoming an accidental community builder-the backstory of Cambrian Ventures-Rex’s experience at renowned VC firm Andreessen Horowitz-working with founders at the earliest stages-the rise of emerging managers & the “Solo GP”…and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe