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

* If there’s one idea fintech founders can’t quit, it’s solving personal financial management. There’s a new wave of AI-powered tools. But can they solve some of the fundamental challenges that have prevented a breakout company from emerging in the category?

* Bolt, the one-click checkout turned financial “super app,” is in headlines, again, with further layoffs and as it struggles to pay its vendors. Why Americans don’t really want a “super app.”

* Congress actually tries to legislate: the bipartisan PACE Act could offer a pathway for non-banks to have direct access to payment rails. But, even if it were to become law (a big if), as a layer on top of existing requirements and at a time when getting a bank charter seems easier than ever, is the PACE Act fit for purpose?

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