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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 ha... more

PublishesTwice weeklyEpisodes236Founded4 years ago
Number of ListenersCategories
BusinessTech NewsNewsInvesting

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Artwork for Fintech Takes

Latest Episodes

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I do what we do best: talk about companies we're absolutely not giving investment advice on.

First up is Primitive, an agent control plane for large financial institutions trying ... more

Welcome to Lending, Unbundled, a new series from Fintech Takes, sponsored by our friends at TruStage.

The series traces how consumer lending went from a single institution that handled everything to a modular value chain of specialized providers, ea... more

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

We start with Parker Card, an SMB charge card startup that abruptly shut down in early May. The failure itself wasn't the story. The SVB laws... more

YouTube

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Andrew DiMattina, Product Architect at Persona (and expert in all things fraud and compliance, especially AML compliance), to explore the changing state of compliance in the U.S. ... more

YouTube

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Recent Guests

Andrew DiMattina
Product Architect at Persona, expert in fraud and AML compliance
Persona
Episode: The End of the Checklist Era
Cokie Hasiotis
Head of vertical marketing at Socure; creator of For the Plot newsletter
Socure
Episode: B2B Marketing Sucks & Can Be Better
Julie VerHage Greenberg
Founder of Quinovation; former co-founder/writer of Fintech Today; reporter at Bloomberg
Quinovation / Fintech Today
Episode: B2B Marketing Sucks & Can Be Better
Jessica Kendall
Head of Content and Communications at Spinwheel
Spinwheel
Episode: B2B Marketing Sucks & Can Be Better
Adam Ryan
Co-founder and CEO of Workweek
Workweek
Episode: B2B Marketing Sucks & Can Be Better
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

Host

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

Reviews

4.8 out of 5 stars from 49 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 Statesa month ago
  • 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.

Apple Podcasts
#243
United States/Business/Investing
Apple Podcasts
#36
Poland/Business/Investing
Apple Podcasts
#69
Ireland/Business/Investing
Apple Podcasts
#91
Chile/Business/Investing
Apple Podcasts
#191
Ireland/Business
Apple Podcasts
#207
Poland/Business

Talking Points

Recent interactions between the hosts and their guests.

Facing Credit: Pessimism and Performance
Q: How is the financial services industry thinking about cash flow data versus traditional bureau data?
Cash flow data is being framed as a more real-time, broader signal across the credit life cycle, reducing reliance on lagging bureau data and enabling more nuanced underwriting, servicing, and even investment decisions.
Facing Credit: Pessimism and Performance
Q: What are the key yellow flags currently visible in consumer and small business credit?
Yellow flags include rising bankruptcies, higher delinquencies in subprime auto, and modest deterioration in first-half 2025 card-originations performance, suggesting stress that is not yet systemic but could worsen if conditions shift.
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.

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?

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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Which podcasts are similar to Fintech Takes?

These podcasts share a similar audience with Fintech Takes:

1. Fintech Insider Podcast by 11:FS
2. Odd Lots
3. Prof G Markets
4. The a16z Show
5. The Prof G Pod with Scott Galloway

How many episodes of Fintech Takes are there?

Fintech Takes launched 4 years ago and published 236 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Fintech Takes?

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What guests have appeared on Fintech Takes?

Recent guests on Fintech Takes include:

1. Andrew DiMattina
2. Cokie Hasiotis
3. Julie VerHage Greenberg
4. Jessica Kendall
5. Adam Ryan
6. Ryan King
7. Rafe Mazer
8. Jason Lee

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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