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Artwork for Fintech Takes

Fintech Takes

Alex Johnson
Fintech
Open Banking
Stablecoins
Banking As a Service
Artificial Intelligence
CFPB
Embedded Finance
Cash Flow Data
Regulation
Vertical Saas
Chime
Consumer Lending
Consumer Financial Protection Bureau
Small Business Lending
Synapse
FDIC
Compliance
Buy Now Pay Later
Consumer Protection
Marqeta

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 hap... more

PublishesTwice weeklyEpisodes232Founded4 years ago
Number of ListenersCategories
InvestingNewsTech NewsBusiness

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Artwork for Fintech Takes

Latest Episodes

Welcome back to Fintech Takes. I'm Alex Johnson, and today's episode is a little different.

Before I wrote a newsletter for a living, I spent the beginning of my career working in B2B marketing in fintech and financial services. So this episode is b... more

YouTube

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Dave Wasik, Partner at 2nd Order Solutions, for another episode of Facing Credit, our series on everything credit and lending.

Dave comes armed with 2nd Order Solutions' new cred... more

YouTube

Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula.

We kick things off with the accelerating trend of fintech companies becoming banks. Chime's CEO confirmed it's a matter of when, not if — rev... more

YouTube

Welcome to Banking on Primacy, a four-part podcast miniseries from Fintech Takes, sponsored by Chime.

The series orbits one question that has become the most contested in consumer finance: what does it take to earn (and hold) the most important rela... more

YouTube

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Recent Guests

Ryan King
Co-founder of Chime
Chime
Episode: Fintech Takes x Chime presents Banking on Primacy Episode 4: The AI Episode
Rafe Mazer
Fair Finance Consulting expert on open banking/open finance
Fair Finance Consulting
Episode: Who Pays for Open Finance?
Jason Lee
Chief of Chime Enterprise, leading employer-facing fintech initiatives
Chime
Episode: Fintech Takes x Chime presents Banking on Primacy Episode 3: Banking at Work
Jonathan Cohen
Sports betting policy lead at the American Institute for Boys and Men
American Institute for Boys and Men
Episode: Losing Big
Vineet Mehra
Chief Growth and Marketing Officer at Chime
Chime
Episode: Fintech Takes x Chime presents Banking on Primacy Ep 2: The Bifurcation of Rewards
Danny Funt
Author of Everybody Loses, The Tumultuous Rise of American Sports Gambling
Author and commentator
Episode: The Rise of Sports Gambling
Mark Troughton
President of Chime
Chime
Episode: Fintech Takes x Chime presents Banking on Primacy Ep 1: The Fight for Primacy
Ed Wallen
CEO of C&R Software
C&R Software
Episode: Fintech Takes x C&R presents Collections Conversations Ep 8: The AI Execution Gap
Mike Hsu
Former acting Comptroller of the Currency
Office of the Comptroller of the Currency (formerly)
Episode: The Historical Roots of Stablecoins

Host

Alex Johnson
Host guiding the discussion, often leading through complex topics with guests.

Reviews

4.8 out of 5 stars from 49 ratings
  • Sharp

    These guys are witty and bring new concepts and ideas to my attention. Subscribed.

    Apple Podcasts
    5
    Matts1999
    United States2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Engaging host banter with deep industry context.
Guests bring practical, exec-level insights and real-world examples.
Thoughtful, data-driven discussions that help decision-makers stay ahead.
Strong focus on AI, regulation, and partnerships in fintech.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Who Pays for Open Finance?
Q: Walk us through the five models for who pays in open finance and how they sit on a spectrum.
The spectrum ranges from pure market-determined pricing with no intervention to a no-charging model, with three regulated middle-ground options: threshold pricing (free up to a usage limit, then charge), premium APIs (free core data but paid for advanced data or analytics), and centralized infrastructure with fixed, cost-recovery pricing intended to fund the shared platform. Many markets blend these approaches, and centralization tends to enable the most dynamic cross-subsidization and staged participation.
Fintech Takes x Chime presents Banking on Primacy Episode 4: The AI Episode
Q: How do you balance open AI tools with trusted, brand-backed consumer experiences?
Trust and alignment drive the choice: consumers will trust AI services embedded within familiar brands rather than standalone tools; the company's incentives must align with improving customers' financial outcomes, which is why Chime emphasizes in-house models like Jade rather than pure open AI deployments.
Fintech Takes x Chime presents Banking on Primacy Episode 4: The AI Episode
Q: Where do you see AI first delivering value at Chime, and what's next after software development?
Software development is the tip of the spear because it is most structured and testable, but the real payoff comes from reorganizing all crafts—finance, HR, marketing, and product—around AI-enabled factories to deliver better customer outcomes while maintaining trust and a strong alignment with incentives.
Fintech Takes x Chime presents Banking on Primacy Episode 4: The AI Episode
Q: How would you compare AI to previous technology waves in Silicon Valley and financial services?
AI is not just another wave; it's a slope change that reorients cognitive production around machines, with computers acting as force multipliers while humans provide oversight, judgment, and accountability. The shift is broader than software—it will touch most crafts in knowledge work, structured around a factory-like model.
Losing Big
Q: What are the social and regulatory risks of mobile sports betting on young consumers?
The interview highlights concerns about loneliness, boredom, and social isolation driving young men toward gambling through mobile platforms, with regulators needing to balance innovation with protections, including self-exclusion and clear disclosures to prevent normalization of gambling as a substitute for meaningful financial planning.

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Frequently Asked Questions About Fintech Takes

What is Fintech Takes about and what kind of topics does it cover?

This show covers fast-moving fintech topics with a data-driven, founder-to-expert lens. Episodes commonly dissect banking-as-a-service, enterprise distribution, AI in lending and collections, regulatory dynamics, and evolving rewards and consumer banking models. Guests range from fintech CEOs and product leaders to policy voices and analysts, delivering practical insights, real-world examples, and strategic perspectives on where fintech is headed. A standout trait is the roster of highly informed guests who bring both hands-on experience and industry-wide context, making complex financial technology trends accessible for practitioners and decision-makers alike.

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How many listeners does Fintech Takes get?

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Which podcasts are similar to Fintech Takes?

These podcasts share a similar audience with Fintech Takes:

1. Fintech Insider Podcast by 11:FS
2. The a16z Show
3. Odd Lots
4. The Twenty Minute VC (20VC): Venture Capital | Startup Funding | The Pitch
5. Eye On The Market

How many episodes of Fintech Takes are there?

Fintech Takes launched 4 years ago and published 232 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Fintech Takes?

Recent guests on Fintech Takes include:

1. Ryan King
2. Rafe Mazer
3. Jason Lee
4. Jonathan Cohen
5. Vineet Mehra
6. Danny Funt
7. Mark Troughton
8. Ed Wallen

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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