We are talking about open banking again this week and we have one of the fintech pioneers on the show sharing his experience over the long evolution of open banking.

Our next guest on the Fintech One-on-One podcast is Steve Smith, the CEO and co-founder of Finicity. Finicity has been a real pioneer in the open banking space, or as Steve likes to call it an open financial data network, which is probably more accurate. Most importantly, we talk about what open banking can actually do, what it is doing today, and that is opening up access to credit for people who have previously been denied credit.

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This week we cover the following fintech news stories:

• Google kills the Goolge Plex
• The postal banking pilot
• How card issuers helped fuel the BNPL boom
• When Facebook went down so did Novi
• US Bank launches a bitcoin custody service
• SEC Chairman Gary Gensler testifies before Congress
• Fintech's explosive growth has regulators scrambling

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Open banking is not a new concept. More than a decade ago companies like Yodlee were allowing their 30 million users to connect to online banking. But it has certainly come of age in the last two to three years as consumers demand more and better access to their financial data.

Our next guest on the Fintech One-on-One podcast is Justin Jackson, the VP of Product Management at Fiserv. Fiserv is a leader in technology solutions for financial services firms and Justin is an expert in open banking. In this illuminating discussion, he takes us through the open banking landscape and how banks and credit unions, as well as fintechs, are using open banking today.

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Using artificial intelligence in lending decisions has gone from a curiosity to, I would argue, the mainstream over the last five years. Most lenders have either started a pilot program or are considering it seriously and some, led by fintech lenders like Upstart, have made it core to their business.

Our next guest on the Fintech One-on-One podcast is Shri Santhanam. He is the EVP and GM of Global Analytics at Experian. Shri has spent much of his career bringing big data and AI to bear on a myriad of business challenges. For the last two years, he has been leading the global analytics initiatives for Experian.

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Embedded finance is a relatively new term in fintech but it getting set to revolutionize finance. Today it is relatively easy to add finance functionality either within a financial or non-financial firm. And we are beginning to see large brands embrace financial services as a way to increase engagement with their customers. I think this is a trend that is unstoppable.

Our next guest on the Fintech One-on-One podcast is Nigel Verdon, the CEO and co-founder of Railsbank. Nigel has deep experience in the fintech space, this is his third fintech company, and he has created Railsbank to make it quick and easy to scale any financial use-case via simple APIs, which are at the heart of embedded finance.

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The payments space was really the first sector within fintech to really get going. And while the payments pioneers like PayPal, Square and Marqeta (all more than a decade old) have brought us tremendous innovations there is a new wave of developments that will be reshaping the payments industry.

Our next guest on the Fintech One-on-One podcast is Kevin Olsen, also known as the Payments Professor. His day job is as the SVP of Payments Solutions at VSoft but I wanted to get him on the show to give us a Payments 101-type session so we can learn how the payments system works and what new developments we should know about.

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There are still more than 5,000 credit unions in this country and the vast majority of them are small. Few have large technology budgets but that doesn't mean they can't be at the forefront of technology innovation. Being small can make it easier for them to partner with fintech companies.

Our next guest on the Fintech One-on-One podcast is David Tuyo, the CEO and President of University Credit Union, based in southern California. David believes that not only can credit unions compete, but they also have some inherent advantages over banks and even fintech companies.

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The home mortgage space has been undergoing a transformation over the past couple of years. We have seen fintech lenders grabbing market share as they were best suited to grow during the pandemic when everything went virtual. There has been so much innovation that financing a home is no longer the long and painful process […]

The home mortgage space has been undergoing a transformation over the past couple of years. We have seen fintech lenders grabbing market share as they were best suited to grow during the pandemic when everything went virtual. There has been so much innovation that financing a home is no longer the long and painful process that it historically has been.

Our next guest on the Fintech One•On•One podcast is Dan Snyder. He is the CEO and co-founder of Lower. They have been flying under the radar until recently but they are part of the new breed of fintech lender that is digitally native and growing rapidly.

See the full show notes here: 

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With real estate prices at record highs all across the country, owning a home is becoming more out of reach for first-time homebuyers. For millennials and Gen-Z, saving enough money for a downpayment has become a huge challenge, much harder than it was for their parents or grandparents. A huge problem like this calls for […]