By Peter Renton
Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to
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The podcast currently has 658 episodes available.
"AI is probably the most talked about and least understood topic within financial services today," said John Sun, the CEO and Co-Founder of Spring Labs (previously, I had another co-founder of Spring Labs, Adam Jiwan, on the show back in 2020). The company is at the cutting edge of AI innovation in financial services with several interesting use cases in production today.
The Spring Labs team decided that what the industry needed was a new event focused on AI applications beyond just the use of chatbots. So, they created the AI-Native Banking and Fintech Conference, happening in Utah on October 7. Tickets will be available here right up until the show kicks off.
In this podcast you will learn:
Connect with Fintech One-on-One:
There is no faster-moving space in finance right now than the anti-fraud space. With all the advances in Generative AI, the fraudsters are more difficult to catch than ever. But there is one place where fintechs and banks can focus that has real promise: authenticating the mobile phone.
My next guest on the Fintech One-on-One podcast is Rodger Desai, the CEO and Founder of Prove. They have developed sophisticated tools to verify identity through a mobile phone that can help banks and fintechs across a variety of touchpoints. We explain why the phone may hold the key (literally) to the future of ID verification and authentication.
In this podcast you will learn:
Connect with Fintech One-on-One:
Today's show is our special 500th episode of the Fintech One-on-One podcast. Rather than do a retrospective or a look back at some highlights from the last 11 years of interviews what I decided was to do my regular interview but with a fintech pioneer. I wanted a big name so I was delighted when the CEO and Founder of Cross River Bank, Gilles Gade, decided to join me.
I first interviewed Gilles (along with Adam Goller) on the show way back in Episode 32 in March 2015. A lot has changed since then as Cross River Bank has become a market leader in Banking-as-a-Service (BaaS) and they have expanded way beyond their initial focus on marketplace lending.
A lot has happened in the BaaS space over the last year and we discuss this in depth as Gilles shares his thoughts on the past, present and future of bank-fintech partnerships. And much more.
Enjoy episode 500!
In this podcast you will learn:
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An e-commerce merchant is a unique type of business. They are built on top of a platform like Amazon, eBay or Shopify and as such there is a great deal of empirical data about their business. Which means that there is rich data available for lenders to feed into their underwriting models.
My next guest on the Fintech One-on-One podcast is Ricardo Pero, the CEO and Founder of SellersFi. He saw the opportunity for a lender focused on e-commerce when a friend of his with an Amazon store was looking for a reliable source of working capital. He realized that lenders were not serving this market segment well.
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People often say that technology in insurance is just five years behind other areas of finance. But the reality is the technology rails that have been built for payments, lending and deposits have taken decades of evolution. Insurance is different. There is no Plaid, Stripe or even ACH for insurance, and so we have a product that still relies on a human for the vast majority of transactions. But that is going to change.
My next guest on the Fintech One-on-One Podcast is Wayne Slavin, the CEO and Founder of Sure. His company is building the infrastructure needed to bring insurance fully into the digital age where people can buy insurance and make a claim all without needing to speak to a human. Today, their insurance products are being embedded into the offerings of fintech companies but Sure's goals go way beyond embedded insurance.
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The humble credit score has come a long way. Consumers, particularly younger consumers, are more aware of their credit score today than ever before. Historically, banks and credit unions have been the gatekeepers of our financial lives so it makes sense that they would want to provide information and context around credit scores. At the same time drive their customers to relevant products based on this information. Enter SavvyMoney.
My guest today on the Fintech One-on-One podcast is JB Orecchia, the CEO and Founder of SavvyMoney. His team has created a sophisticated platform for banks and credit unions to provide credit score information as well as personalized education and product recommendations. So, a bank's customer doesn't have to go to Credit Karma to learn about their credit score, they can do it right within the banking app.
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The financial system has become so much more complex over the last couple of decades that it is difficult to know what current trends will have staying power. How will the future financial system organize itself and will it look that much different to what we have today? I put these questions to one of the global thought leaders in fintech.
My next guest on the Fintech One-on-One podcast is Emmanuel Daniel, the founder of The Asian Banker (now part of TAB Global) and one of the most interesting people in fintech today. He talks about the Great Transition, the title of his recent book, and details what is going to be important for the success of the financial institution of the future.
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The core of the card payments system as we know it today has been around for many decades. This system has a number of major shortcomings, not least of which is the 45-character limited established by the ISO 8583 standard. That may have been enough characters back in the 1980s but it is severely limiting in today's complex world. But problems like these create opportunities for creative minds.
My next guest on the Fintech One-on-One podcast is Oban MacTavish, the CEO and Co-Founder of Spade. They have built a system for real-time intelligence of card merchants which is impressive in and of itself. But what I found most fascinating is they have built one of the richest data sets in country on credit card merchants. With coverage that is second to none.
In this podcast you will learn:
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The Generative AI hype is not dying down. But where are the use cases in fintech beyond the basic chatbot? Particularly in fintech lending where AI has been used in underwriting for more than a decade. But not Generative AI. That is why I was very interested to chat with today's guest who has created a patent-pending Gen AI use case.
My next guest on the Fintech One-on-One Podcast is Ryan Rosset, the Co-CEO and Founder of Credibly. They are a small business lender that has been around since 2010, but today they call themselves a "data science driven lender". We find out what this means and much more in this episode.
In this podcast you will learn:
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It is the big challenge for fintech: making the financial lives better for the those who are underserved. We have come a long way in the past decade but there is still so much more that has to be done. And one of the people who has been at the center of this fintech transformation is Arjuna Costa, Managing Partner at Flourish Ventures.
He is someone I have wanted to get on the show for many years, so I am fortunate that the stars aligned and we were able to sit down for the engaging discussion (I had another Flourish partner, Emmalyn Shaw, on the show back in 2019). We cover a lot of territory here, including a topic I have never before covered on the podcast.
In this podcast you will learn:
Connect with Fintech One-on-One:
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