Fintech One•On•One

Tomás Campos, CEO of Spinwheel, on building fintech infrastructure for consumer debt


Listen Later

In this episode, I sit down with Tomás Campos, CEO and Co-Founder of Spinwheel, a fintech infrastructure company that's revolutionizing how lenders and financial platforms access consumer credit data. With over 20 years in fintech, Tomás explains how Spinwheel can authenticate users and connect to all their liability accounts—credit cards, loans, mortgages, and more—using just a phone number and date of birth, achieving 95-99% coverage across different debt types.

The conversation explores how this technology is solving critical pain points in debt consolidation lending and how their AI-powered infrastructure orchestrates multiple data sources behind the scenes. Tomás also discusses their Optimize product, which saves users an average of $150 per month by creating personalized debt management plans, and shares his vision for using technology to transform consumer debt from an anchor into a lever for achieving financial goals.

In this podcast you will learn:

  • What Tomás saw that led to the founding of Spinwheel.
  • Why there is so much friction in connecting liability accounts.
  • The different use cases for Spinwheel.
  • What is so special about the phone number and date of birth data fields.
  • Why passwords are a very bad way to verify a user.
  • The coverage of the entire U.S. population that Spinwheel has achieved.
  • The data sources that they are still working on connecting with.
  • The type of data they are extracting from these data sources.
  • Where Spinwheel fits into the flow of a loan application process.
  • How they using AI agents and AI in general.
  • How Spinwheel Optimize is saving end users $150 per month.
  • The long-term vision for Spinwheel.

Connect with Fintech One-on-One:

  • Tweet me @PeterRenton
  • Connect with me on LinkedIn
  • Find previous Fintech One-on-One episodes
...more
View all episodesView all episodes
Download on the App Store

Fintech One•On•OneBy Peter Renton

  • 4.9
  • 4.9
  • 4.9
  • 4.9
  • 4.9

4.9

55 ratings


More shows like Fintech One•On•One

View all
WSJ Tech News Briefing by The Wall Street Journal

WSJ Tech News Briefing

1,637 Listeners

WSJ What’s News by The Wall Street Journal

WSJ What’s News

4,331 Listeners

WSJ Your Money Briefing by The Wall Street Journal

WSJ Your Money Briefing

1,716 Listeners

This Week in Startups by Jason Calacanis

This Week in Startups

1,278 Listeners

a16z Podcast by Andreessen Horowitz

a16z Podcast

1,060 Listeners

The Twenty Minute VC (20VC): Venture Capital | Startup Funding | The Pitch by Harry Stebbings

The Twenty Minute VC (20VC): Venture Capital | Startup Funding | The Pitch

522 Listeners

Fintech Insider Podcast by 11:FS by 11:FS

Fintech Insider Podcast by 11:FS

185 Listeners

Invest Like the Best with Patrick O'Shaughnessy by Colossus | Investing & Business Podcasts

Invest Like the Best with Patrick O'Shaughnessy

2,285 Listeners

Grit by Kleiner Perkins

Grit

187 Listeners

Dwarkesh Podcast by Dwarkesh Patel

Dwarkesh Podcast

426 Listeners

Business Breakdowns by Colossus | Investing & Business Podcasts

Business Breakdowns

351 Listeners

Moody's Talks - Inside Economics by Moody's Analytics

Moody's Talks - Inside Economics

296 Listeners

Bloomberg Tech by Bloomberg

Bloomberg Tech

55 Listeners

WSJ's Take On the Week by The Wall Street Journal

WSJ's Take On the Week

127 Listeners

BG2Pod with Brad Gerstner and Bill Gurley by BG2Pod

BG2Pod with Brad Gerstner and Bill Gurley

467 Listeners