In this episode, I had the chance to chat with the Aaron Klein, the Miriam K. Carliner Chair and senior fellow in Economic Studies at the Brookings Institution.

Aaron and I had a wide-ranging discussion on consumer payment and consumer credit regulation and public policy, including:

* Why, despite the existence of The Clearing House RTP and FedNow, U.S. consumers don’t have widespread free or low-cost access to instant payments

* The link between remote deposit capture, plane loads of checks, and 9/11

* Consumer credit and small-dollar lending, including overdrafts, payday loans, and fintech apps such as EarnIn, Dave, and MoneyLion

* Why someone with a bank account would use a check casher

* And much more!

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Hey all, Jason here.

Something the banking industry has been struggling with since the emergence of fintech is how to evaluate, onboard, and manage fintech partners, particularly those that are early stage, often unprofitable startups.

As bank-fintech partnerships multiplied, so did the problems, eventually gaining mindshare with regulators, leading to more than a dozen fintech-related consent orders in recent years.

A variety of proposals for how to simplify and improve bank-fintech partnerships have been floated, including the idea of “standards.” The topic has gained renewed attention following reports that the FDIC is working with bank and fintech trade groups to setup a standard-setting organization.

But are fintech standards fit for purpose? That’s a major theme in this recent discussion I had with Alex Johnson, creator of Fintech Takes, and Jason Henrichs, CEO of Alloy Labs.

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

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In this episode, Alex and I had the chance to discuss:

* How a fintech lending partner drove Coastal Community Bank’s Q2 earnings miss, and what we can learn from it

* The reports that the FDIC is working with bank and fintech trade associations to create a “standard setting organization”

* A quick update on the bank charter pipeline, including the OCC’s rejection of Wise’s and bunq’s applications

* And, as always, what Alex and I can’t let go of

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

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Hey all, Jason here.

In this episode, I had the chance to talk with Edward Woodford, founder and CEO at crypto, stablecoin, and tokenization infrastructure platform zerohash. Edward and I had the chance to discuss the company’s many recent announcements, including:

* Partnering with Visa Direct to enable prefunding and stablecoin payouts

* Working with card issuer Marqeta to enable stablecoin-powered spend cards

* zerohash’s role powering tokenized Treasury trading

* Edward and zerohash’s vision for the future of agentic payments

* And more!

And a reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 93,000+ listeners by sponsoring an episode.

In this episode, I had the chance to chat with Katie Perry about her recently published book, Ticker Shock. Katie currently serves as chief marketing officer at crypto and tokenization infrastructure platform zerohash and previously led marketing and partnership for brokerage Public.com. Katie and I had a wide-ranging conversation, discussing:

* How corporate communications and investor relations have changed with the rise in importance of retail investors

* The role communities on sites like X and Reddit play for investors

* The growth of “fandoms” of specific corporate executives and companies

* The blurring lines between investing and gambling

* How consumer and B2B marketing have evolved over time

* Why it’s critical for fintechs to build trust and how they can do it

* And much, much more

And a reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 93,000+ listeners by sponsoring an episode.

In this episode, Alex and I had the chance to discuss:

* The convoluted tale of ALT5 Sigma, MSwipe, Stradacarte and “no KYC” cards

* Middleware provider Increase announcing it is launching a bank

* The weirdness of Fed master accounts, which are back in the headlines

* And, as always, what Alex and I just can’t let go of

And a reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 93,000+ listeners by sponsoring an episode.

In this episode, I had the chance to speak with Wael ElSahhar, cofounder and CEO at MidLyr, and Kirsten Muetzel, founding principal & CPA at KLM Advisory. We discussed:

* The role of AI in compliance in a rapidly changing regulatory environment

* The differences in how fintechs, technology service providers, banks think about risk

* Key lessons from what the industry has seen unfold in banking as a service over the last several years

* How firms are actually using AI in compliance – and what risks AI itself may pose

* And more!

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

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In this episode, I had the chance to speak Brian Reshefsky, founder and CEO of EDGE, the cashflow bureau helping lenders use bank transaction data across the consumer credit lifecycle, and Zuben Matthews, cofounder and CEO of consumer financial management and credit building app Brigit.

We had the chance to discuss:

* How they think about cashflow-based scoring and underwriting, from both a B2B and a consumer perspective

* Uses for cashflow data beyond lending decisions, like lead scoring, loan life cycle management, and cross sell

* The intersection of traditional bureau data and cashflow analytics

* What it means to be a CRA and why it matters

* And much more

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

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Hey all, Jason here.

In this episode, I had the chance to speak with Maple cofounder and executive chairman Joe Flanagan. We had the chance to discuss:

* Building in the crypto space over seven years of ups & downs

* Increasing institutional adoption of cryptocurrency and stablecoins

* Maple’s new partnership with Robinhood

* And more!

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 92,000+ listeners by sponsoring an episode.

In this episode, I had the chance to speak with Cross River Bank’s chief AI officer, Pravesh Rijal, following the bank’s announcement earlier this week of its expanded partnership with Stripe to support agentic commerce. Pravesh and I had the chance to talk about:

* Cross River’s announcement this Wednesday of its expanded partnership with Stripe to support card issuing for agentic commerce

* What agentic commerce actually looks like for the different stakeholders in a transaction

* How Cross River and Stripe’s new capabilities address some of the risks of delegating transactions to agents

* How frontier developments like the ones Cross River is working on impact everyday consumers and businesses

* And more!

A reminder, if you’re enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.

And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 92,000+ listeners by sponsoring an episode.