Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

By FexingoBusiness
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Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies episodes

  • The Neobank Profitability Puzzle Solved by Nubank

    Episode 4 of Fintech Conversations with Fexingo digs into one of fintech's biggest open questions: can a digital-only bank actually make money? Lucas and Luna examine Nubank's path to sustained profitability in Brazil and Mexico, breaking down the unit economics that let it earn over two billion dollars in 2025 — while most neobanks in Europe and the US still bleed cash. They explore how Nubank's low-cost tech stack, cross-sell data loop, and credit card-first strategy flipped the script, and what that means for the broader neobank landscape in mid-2026. If you've wondered when digital banks would stop burning money, this episode gives you a concrete answer — and a company to point at.

    #Nubank #Neobank #FintechProfitability #DigitalBanking #UnitEconomics #DavidVelez #CristinaJunqueira #BrazilFintech #FinancialInclusion #CreditCardRevenue #CrossSell #FintechStrategy #BusinessPodcast #Technology #Finance #FexingoBusiness #FintechConversations #EmergingMarkets

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    10 min
  • How Wise Remade Cross-Border Payments

    In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how Wise — formerly TransferWise — redefined the cross-border payments industry. They break down the specific 'multi-rail' strategy that lets Wise bypass SWIFT for 70% of transactions, saving customers over $2 billion annually in fees compared to traditional banks. The hosts discuss the economics: how Wise charges a transparent 0.41% fee on average, versus the 4-6% typical of wire transfers or currency-conversion markups. They examine the regulatory moat — Wise holds licenses in 50+ countries — and the competitive pressure from incumbents like JPMorgan and upstarts like Revolut. Lucas questions whether Wise's customer acquisition cost is sustainable as competition heats up, while Luna wonders if the model can expand beyond remittances into business banking. A focused look at one company that actually moved the needle in financial infrastructure.

    #Wise #CrossBorderPayments #Fintech #MoneyTransfer #SWIFT #MultiRail #Remittances #Business #Finance #Payments #FintechConversations #FexingoBusiness #BusinessPodcast #LucasAndLuna #Banking #CurrencyExchange #Regulation #Stripe

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    8 min
  • The Embedded Finance Revolution in 2026

    Lucas and Luna explore how embedded finance is reshaping the banking industry in 2026. They drill into the specific case of Shopify's balance-sheet lending program, which has originated over $2 billion in merchant cash advances since 2022. Luna questions whether traditional banks are being disintermediated or just losing the customer relationship. Lucas explains the economics: Shopify's cost to originate a loan is roughly 80 percent lower than a community bank's because of real-time transaction data. They also touch on Klarna's U.S. bank charter application and what it signals about the regulatory landscape. The conversation avoids hype and focuses on unit economics, data moats, and the quiet shift of banking infrastructure toward non-bank platforms.

    #EmbeddedFinance #Shopify #Fintech #Banking #Payments #Business #Technology #FinancialSoftware #Lending #APIs #Klarna #BankCharter #UnitEconomics #DataMoat #Disintermediation #FexingoBusiness #BusinessPodcast #FintechConversations

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    10 min
  • Stripe 150 Billion Dollar Payment Vision

    In the debut episode of Fintech Conversations with Fexingo, Lucas and Luna dig into Stripe's newly published letter to shareholders, which lays out a vision for $150 billion in annual payment volume by 2030. They explore how Stripe plans to get there — through platform economics, embedded finance, and a controversial bet on stablecoins. The hosts also discuss what Stripe's growth means for incumbents like PayPal and Adyen, and why the company's decision to go private longer might reshape the IPO pipeline. Along the way, they ground the conversation in specific numbers: Stripe's current take rate, the average revenue per user on Shopify, and the percentage of global GDP moving through digital wallets. This episode sets the tone for the show: focused on a single company or metric, skeptical of hype, and always anchored in data.

    #Stripe #Fintech #Payments #EmbeddedFinance #Stablecoins #DigitalWallets #PayPal #Adyen #Shopify #IPO #PrivateMarket #TakeRate #VolumeGrowth #Business #Technology #FexingoBusiness #BusinessPodcast #FintechConversations

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    8 min

About Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

From the publisher's feed

Lucas and Luna dissect the forces reshaping how money moves — from the plumbing of real-time payments to the regulatory battles over open banking. Each episode focuses on a single company, regulation, or technology: the rise of embedded finance at Stripe, the transformation of Fiserv's core processing, or the SEC's latest stance on crypto custody. Lucas brings the numbers — market caps, fee structures, adoption curves — while Luna pushes on strategic trade-offs: incumbents versus neobanks, the cost of compliance, the gamble on decentralized ledgers. No hype, no jargon salads. Just the two of them walking through what actually works, what doesn't, and why. This show is for product managers, fintech analysts, payments ops leads, and anyone who needs to understand the financial software stack without the sales pitch. By the end of each conversation, you'll know the key metric that matters, the biggest risk nobody's talking about, and the one question you should ask your vendor.