On the Ledger

In this episode, Andrew Wang, CEO and Co-Founder of Valon, breaks down the future of the $13 trillion mortgage market. Drawing on his experience building a "regulated OS," he explores why mortgage servicing is still trapped in 1970s mainframe technology and how vertical integration is the only path to true modernization. Get his expert forecast on why 99% of the mortgage industry will be automated in the next decade and how to build "explainable" AI that can pass the ultimate test: testifying in front of Congress.

In this episode, Jim McCarthy, CEO of Thredd and former Visa EVP, offers a masterclass on the future of FinTech. With nearly 30 years of experience, he dives into why neobanks must pivot to lending for profitability, the problem with banks' siloed "core" systems, and the massive, underrated power of tokenization. Get his expert forecast on how stablecoins will revolutionize cross-border payments and collateralization in the next two years.

In this episode, Triane Chang, SVP, Business Ventures & Partnerships at Experian, discusses the evolution of financial wellness and the role technology plays in reshaping consumer credit.

She shares her path through fintech—from Schwab and Visa to Experian—and how those experiences shaped her approach to using data and design to improve people’s relationship with money.

The conversation explores the launch of Experian Smart Money, Experian’s partnership with Plaid to expand cash-flow analytics, and the broader impact of AI on accessibility and trust in financial services.

Triane also reflects on the human side of innovation—how empathy, transparency, and smart product design can make finance more inclusive and meaningful for consumers everywhere.

In this episode, Triane Chang, SVP, Business Ventures & Partnerships at Experian, discusses the evolution of financial wellness and the role technology plays in reshaping consumer credit.

She shares her path through fintech—from Schwab and Visa to Experian—and how those experiences shaped her approach to using data and design to improve people’s relationship with money.

The conversation explores the launch of Experian Smart Money, Experian’s partnership with Plaid to expand cash-flow analytics, and the broader impact of AI on accessibility and trust in financial services.

Triane also reflects on the human side of innovation—how empathy, transparency, and smart product design can make finance more inclusive and meaningful for consumers everywhere.

In this conversation, Matthew Goldman, Founder of Totavi, discusses the evolution and future of card programs in the fintech space.

He explores transformative developments over the past two decades, the challenges of KYC and open banking, and the importance of niche card programs. 

The discussion also covers the convergence of buy now pay later options with traditional card programs, the role of sponsor banks, and the implications of interchange regulations. 

Goldman concludes with insights on the potential of stablecoins in the card ecosystem.

In this episode, Ravi Mikkelsen, CEO and founder of Atmos Financial, discusses the intersection of clean energy and lending. 

He shares his journey into the clean energy sector, the technology behind Atmos's lending platform, and the unique challenges and opportunities in financing clean energy projects. 

The discussion also covers the impact of AI, climate change on financing, and the importance of customer experience in lending. 

Ravi also reflects on the challenges faced by Atmos, including navigating the pandemic and transitioning banking partnerships, while looking ahead to future trends in clean energy financing.

In this episode, Brian Fishbein, Chief Investment Officer at Column, shares insights into the bank’s evolution as a nationally chartered institution built to serve fintech partners. Brian unpacks the complexities of sponsor banking, the shifting regulatory landscape, and the critical role strong relationships with regulators play in navigating this space. The conversation explores how fintech partnerships are evolving, what to consider when evaluating sponsor banks, and the latest trends in lending and credit products. Brian also highlights the growing need for regulatory clarity and how advancing technology continues to reshape the future of banking.

In this episode of Lenders on Lenders, Mike Taormina, co-founder and CEO of Vault, discusses his extensive background in lending, from student loans to crypto lending.

 He explains the evolution of digital assets in the lending space, the unique approach Vault takes to integrate digital assets as collateral, and the current regulatory landscape. 

The trio also addresses common misconceptions about digital assets, the future of digital asset lending, and valuable lessons for aspiring entrepreneurs.

Colton and Julie are joined by Wade Arnold, CEO of Moov, to discuss his company's innovative approach to payment processing. 

Wade explains how Moov operates as a low-level processor connected to major card networks and emphasizes how consumer expectations drive payment innovations. 

He shares his journey from software engineer to entrepreneur, the challenges of navigating legacy systems, and the future of payment technologies. 

Wade also talks about strategic partnerships, raising capital, maintaining a strong remote culture, and offers advice for aspiring entrepreneurs.

In this episode, Julie and Colton sit down with Will Tumulty to discuss the evolution of Rapid Finance, a company dedicated to providing small businesses with access to capital. 

They explore the challenges and advancements in small business lending, emphasizing the importance of data-driven decision-making, convenience in the lending process, and the impact of regulatory changes. 

Will shares insights from his experience as a Navy SEAL and how those lessons translate into effective leadership and adaptability in the financial sector. 

The trio also touches on the future of lending, including innovations in client data usage and embedded finance.

Rapid Finance website: https://www.rapidfinance.com/

Will Tumulty's Linkedin: https://www.linkedin.com/in/will-tumulty-15a6462/

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