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Fintech Takes

Alex Johnson

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 happening in fintech and banking. 

Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.

From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.

Subscribe now to join fintech’s nerdiest podcast around!

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  • 22 episodes
  • weekly
  • Avg 1 hr 4 min
  • English

Episodes 22

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  • May 26 · 59 min

    Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 6: Living Out on the Edge

    Hello, and welcome back to Cash Flow Conversations, a podcast series sponsored by our friends at Nova Credit. We've spent a lot of time in this series focused on the mainstream adoption of cash flow data within consumer lending: where to get started, the challenges you can expect to face. Episode 6 leaves that territory behind for the open frontier, where the conversations aren't about operational realities but about what's coming next. And there’s no one better to have that conversation with than Nikki Cross, Head of Data Science Consulting at Nova Credit. We get into why the development of custom scores in cash flow lending is harder than most lenders expect on Day 1, fair lending and how to navigate compliance concerns within an entirely new universe of data, and what agentic AI means for explainable credit decisions. Cash flow data reveals far more about how consumers tend to their financial lives than bureau data ever did; which is both the opportunity and the complication. This episode is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing consumer credit data. Learn more at novacredit.com. 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 Nikki: https://www.linkedin.com/in/nikkicrosspatrick/ Learn more about Nova Credit here.

  • May 21 · 48 min

    Fintech Takes x Chime presents Banking on Primacy Episode 3: Banking at Work

    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 relationship in someone's financial life? In Episode 3, I sit down with Jason Lee, Chief of Chime Enterprise. We unpack fintech as an employee benefit, which is compelling in theory but harder in practice than most founders expect. Employers don't wake up wanting fintech products. They want workers who stay. Jason founded DailyPay in his basement in 2015, built it into a multi-billion dollar company, and now looks after Chime's employer-facing business after Chime acquired his second company, Salt Labs. His read on what it actually takes to make this model work is fascinating. Why do most earned wage access products only reach 30% of a workforce and what serves the other 70%? Why does brand recognition drive employee adoption more than the product itself? Now that earned wage access is morphing into the financial health industry, where does that leave point solutions? This episode is brought to you by Chime. For most Americans, their primary bank account is their most important financial relationship. Traditional banks held that position and took it for granted. Chime was built differently: fee-free, built to succeed when members do, and now America’s #1 banking choice with roughly 10M active members. Chime Prime takes that further: 5% cash back, savings rates up to 9x the national average, premium travel perks, no fees. See how at https://www.chimeprime.com/ 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 Jason: https://www.linkedin.com/in/jasonleem2/

Showing 21–22 of 22 episodes