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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
Chime
Vertical Saas
Cash Flow Data
Small Business Lending
Regulation
Consumer Lending
Consumer Financial Protection Bureau
Synapse
FDIC
Prediction Markets
Compliance
Buy Now Pay Later
Consumer Protection

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 ha... more

PublishesTwice weeklyEpisodes256Founded4 years ago
Number of ListenersCategories
InvestingBusinessNewsTech News

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Artwork for Fintech Takes

Latest Episodes

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I offer up fintech startups that caught our eye and offer absolutely no investment advice.

First up is Symphony, which rewards people with travel points for setting money aside ra... more

YouTube

Welcome to Season 2 of Collections Conversations, a new miniseries from Fintech Takes, sponsored by our friends at C&R Software.

The series digs into how generative AI is reshaping debt collections, and this season, we’re surveying everything that h... more

YouTube

Welcome back to Fintech Takes! I’m Alex Johnson, joined once again by Dan Murphy (partner at Allon Advisors and former CFPB official who worked on the Section 1033 open banking rule) to ask some annoying questions about agentic finance.

We start in ... 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 Whop, a creator marketplace that announced last week that anyone can launch a neobank on its platform in 15 minutes. ... more

YouTube

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Recent Guests

Jason Mikula
Publisher of Fintech Business Weekly
Episode: Fintech Recap: Whop, Revolut, and Chime Buys Stride
Luke Broadhurst
CEO of Credit Strategy
Credit Strategy
Episode: Fintech Takes x C&R Software Presents: Fintech’s Next Test Across the U.S. and U.K.
Tim Flacke
Co-founder and CEO of Commonwealth
Commonwealth
Episode: The Investor Diaries
Jas Shah
Fintech product consultant and author of Fintech Under the Hood
Fintech Under the Hood
Episode: Under the Hood of Fintech Products
Jason Henrichs
Co-Founder/CEO at Alloy Labs; participant in BAS discussions
Alloy Labs; Breaking Banks
Episode: Can You Standardize Bank-Fintech Risk?
Juan Hernandez
Head of credit and underwriting at Block
Block (formerly Square/Cash App)
Episode: Fintech Takes x Nova Credit Presents Cash Flow Conversations Ep 7: A Traveling Credit Score
Matthew Goldman
Founder and managing member of Totavi; author of Cards for the Win
Totavi; Cards for the Win
Episode: Premium Cards Get Weird
David Snitkof
GM of SMB at Ocrolus, fintech executive with deep SMB lending experience
Ocrolus
Episode: The SMB Context Margin Paradox
Simon Taylor
Friend and fintech thinker featured as a guest expert
Not Fintech Investment Advice (guest on show)
Episode: Not Fintech Investment Advice: Natural, Sky Fusion, Quarters, El Dorado

Host

Alex Johnson
Host of Fintech Takes; fintech commentator and newsletter creator; leads discussions and framing across episodes.

Reviews

4.8 out of 5 stars from 52 ratings
  • Highly political. Instead of financial.

    Moderators lure audiences into believing that content is about fintech. In reality it is a left wing propaganda hidden in fintech scripts.

    Apple Podcasts
    1
    erkct
    United States4 months ago
  • Sharp

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

    Apple Podcasts
    5
    Matts1999
    United States3 years ago

Listeners Say

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

Clear, practical insights on fintech strategy and regulation.
Thoughtful deep-dives but can feel politics-heavy at times.
Witty hosts and fresh concepts keep me informed.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

Under the Hood of Fintech Products
Q: Can you walk us through what some of those areas for potential future improvement were (in digital onboarding)?
Progressive onboarding, pre-population using open banking data, and reusable KYC/digital identity are the three core improvements. Progressive onboarding stitches product onboarding to actual need, pre-population reduces form burden by pulling data from trusted sources, and reusable KYC would let identity verification be shared securely across services to speed up sign-ups.
Fintech Takes x Nova Credit Presents Cash Flow Conversations Ep 7: A Traveling Credit Score
Q: What is Nova Credit's role in distribution?
Nova Credit acts as a distribution partner and CRA-like facilitator, enabling lenders to access cash app score data under user-controlled privacy settings, with ongoing consideration of Block forming its own CRA entity.
Fintech Takes x Nova Credit Presents Cash Flow Conversations Ep 7: A Traveling Credit Score
Q: How will lenders integrate the Cash App score into their workflow?
Lenders would request datasets that include both traditional data and Cash App data, assess incremental lift, and apply the Cash App score in a way that fits their workflow and products, potentially using segmentation to determine where it adds the most value.
Fintech Takes x Nova Credit Presents Cash Flow Conversations Ep 7: A Traveling Credit Score
Q: How does the Cash App score differ from traditional credit bureau data?
It relies on first-party data signals rather than traditional credit bureau data, can capture real-time financial health, and has shown higher approval and conversion rates with lower losses in internal tests when used in conjunction with or instead of bureau data.
Fintech Takes x Nova Credit Presents Cash Flow Conversations Ep 7: A Traveling Credit Score
Q: What is the Cash App score?
The Cash App score is a predictive ML model that estimates default risk using first-party Cash App data (cash flows, card spending, savings, etc.) and is designed to generalize beyond Borrow to other products, enabling it to be used by lenders in addition to providing visibility to customers.

Audience Metrics

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Frequently Asked Questions About Fintech Takes

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

A fast-paced, analytically rigorous show that sticks to the bleeding edge of fintech, payments, banking, and policy. Conversations frequently thread together technology trends (AI, open banking, modular lending), regulatory dynamics, and business-model evolution, with hosts and guests unpacking what changes mean for incumbents, startups, and financial services at large. A standout is the compelling mix of practitioner insights, policy perspectives, and long-form debates that connect infrastructure and regulation to real-world outcomes, making it valuable for listeners who want depth without losing sight of practical implications. The tone is thoughtful, occasionally provocative, and anchored in current events, regulatory shifts, and concret... more

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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. Fintech Business Podcast
3. The Prof G Pod with Scott Galloway
4. Prof G Markets
5. Odd Lots

How many episodes of Fintech Takes are there?

Fintech Takes launched 4 years ago and published 256 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. Jason Mikula
2. Luke Broadhurst
3. Tim Flacke
4. Jas Shah
5. Jason Henrichs
6. Juan Hernandez
7. Matthew Goldman
8. David Snitkof

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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