Fintech One•On•One

Mar 06 2025 568 ep. 33 mins 203

Fintech One•On•One Podcast artwork

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 understand what the future will look like for lending, payments, digital banking and more tune in to Fintech One•On•One (formerly the Lend Academy Podcast).

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Jason Mikula of Fintech Business Weekly on the development of banking-as-a-service

Mar 06 2025 43 mins

In the last year I don't think there is any area of fintech that has received more attention than the Banking-as-a-Service (BaaS) space. And it is not just the Synapse debacle, it is all the consent orders that have come out of the bank regulators. We have a banking system that pretty much demands that fintech companies partner with banks and we are still yet to figure out what the

David Baxter, CEO of Solutions by Text, on the growth of integrated text payments

Feb 27 2025 33 mins

While text is a big part of our daily communications most corporations, particularly those in financial services, use it sparingly. Why is that when texting gets many times the engagement of email? We explain why in this interview. But this is all changing, in large part due to the work of my next guest on the Fintech One-on-One podcast. Dave Baxter is the CEO of Solutions by Text

Daragh Murphy, CEO of Imprint, on creating a new tech stack for co-branded cards

Feb 20 2025 38 mins

The co-branded credit card space is a mature market. Chase and American Express have large deals with airlines and hotels as well as the likes of Amazon and Disney. These are typically huge programs with not just millions but tens of millions of customers. But what about those Fortune 500 companies that are not big enough for Chase or Amex but still want to do their own co-branded

Karen G. Mills of Harvard Business School on the state of U.S. small business

Feb 13 2025 36 mins

Despite the challenges and the obvious risk of failure, Americans are starting small businesses in record numbers. The entrepreneurial spirit is alive and well but the difference today is that the tools have become so much better. And they are going to continue to improve, particularly as small business owners start taking advantage of the latest AI tools. My guest today on the Fin

Nelson Chu, CEO of Percent, on riding the private credit wave

Feb 06 2025 35 mins

In an article last year, the International Monetary Fund said that the global private credit market topped $2.1 trillion globally in 2023, with 75% of that in the U.S. That number has been rising rapidly for many years as more companies look beyond banks and the public debt markets to raise capital. Along with this rise in private credit, some fintech companies have taken advantage

Alex Bradford, CEO of Rain, on why earned wage access is becoming a must-have

Jan 30 2025 37 mins

The earned wage access (EWA) space is maturing and now has some players that are getting real scale. In many industries, it has gone from a curiosity to a must-have for employers. As the space scales, there are bigger questions in play. How can we ensure that all salaried workers have access to this innovative product, so they don't need to provide an interest-free loan to their em

Don Muir, CEO of Arc, on bringing technology to debt markets

Jan 23 2025 32 mins

Technology has impacted so many areas of lending but one niche that has remained a manual, human-powered process is middle market lending, where deals are typically $5 million to $100 million. These deals have been consummated on the golf course or at expensive dinners after often months of analysis and negotiation. That is not an efficient way to do business in 2025. Enter Arc. My

Adrian Nazari, CEO of Credit Sesame, on giving consumers deep insights into credit behavior

Jan 17 2025 34 mins

If there is one thing that the last decade of fintech innovation has achieved, it is more awareness around consumer credit scores. The majority of the population know their approximate score and even teenagers are talking about it. For better or worse (I think it almost uniformly positive) consumers look at the score as a measure, maybe even the measure, of their financial health.

Kyle Mack, CEO of Middesk, on creating a modern business identity platform

Jan 09 2025 33 mins

Small business data is very different to consumer data. When a person is born, they don't need to go and open a bank account, obtain a line of credit or apply for some kind of permit. But a business may be three days old and want all those things. This creates a data challenge. This new business has little to no digital footprint and so the available data may be negligible. Which m

Carlo Kobe, CEO of Fizz, on building a great financial app for college students

Dec 19 2024 35 mins

[Editor's note: This is our last podcast of 2024. We are taking two weeks off and will be back on January 9. Happy Holidays everyone!] The 20 million college students in the US today, while a vast market that is somewhat homogenous, has not been a focus for many banks or fintechs. Since the Card Act in 2010, credit card issuers have not been able to set up shop on campus trolling t