The largest payments network, by volume, is the ACH network. A dollar value of several times US GDP flows through the network each quarter. It is a 50-year-old network that is reliable, ubiquitous, and still growing. While several shiny new payment rails have been developed, the workhorse of the economy remains ACH and will remain so for some time.…

[Editor's note: This interview was recorded on April 16, six days before the news of the Synapse bankruptcy and several weeks before any of the major problems that came to light at fintechs that were working with Synapse.] To say the banking-as-a-service space is having a moment is an understatement. But many banks have been doing this successfully…

When I think about the hottest areas in fintech these days identity verification is right at the top of the list. It impacts anyone doing business online so whether you are a bank or a fintech you need to stay on top of this fast-moving space. My next guest on the Fintech One on One podcast is Joel Sequeira, the Director of Product Management at ID…

In the early days of the online lending space, when it came to institutional capital, one name seemed to be in more deals than any other: Victory Park Capital. And while the industry has matured a great deal since then, in no small part thanks to the capital invested by Victory Park, their thesis remains the same: lend money where banks won't. My n…

The payments processing space has seen a huge amount of innovation in the past decade, maybe more than any other area of fintech. This innovation has presented opportunities for non-fintech companies to earn a new revenue stream via payments processing, which in turn has created a new sub-niche for fintech companies. My next guest on the Fintech On…

Latin America continues to be, in my opinion, the most dynamic and interesting region in the world when it comes to fintech innovation. And there are now significant billion dollar deals getting done as some of the biggest financial institutions on the planet are looking to make their mark in the region. My next guest on the Fintech One-on-One podc…

Have you ever stopped to consider the data behind a debit or credit card transaction? I have not given it much thought, but there is a real treasure trove of information that, for the most part, is still not being used effectively. My next guest on the Fintech One on One podcast is Mitch Jacobs, the CEO and founder of Plink. You may recognize Mitch…

One of the many challenges for low and middle income (LMI) consumers is building wealth. If you are living paycheck to paycheck with no savings you are more focused on financial survival and likely don't feel you have the capacity to build wealth. This is where Stash comes in. My next guest on the Fintech One-on-One Podcast is Liza Landsman, the CE…

The anti-fraud space has really heated up this past 12 months as fraud attempts have been on the rise and bad actors have become more sophisticated. Often, it can feel like an increasingly difficult battle to win, but there is reason for optimism. My next guest on the Fintech One-on-One podcast is Tommy Nicholas, the CEO and Co-Founder of Alloy. To…

I don't think any fintech company has done more for small business than Square. They started with payment acceptance and have since expanded into many different areas of fintech. In fact, their lending business is now the largest in all of fintech. But it was the addition of Square Banking that has allowed this fintech pioneer to bring it all toget…

The area of fintech that has been in the news most so far this year is, without doubt, banking as a service (BaaS). We have seen consent orders, layoffs, banks ending fintech programs, ongoing disputes between BaaS companies and fintechs and there have been pivots from some of the BaaS providers. My next guest on the Fintech One-on-One podcast is C…

Until fintech came along, there was a serious catch-22 when it came to establishing credit. There was no easy way to establish your own credit score without first obtaining credit. This became a real problem with Gen-Z and even younger millennials who have avoided credit cards. But for most people, successfully establishing a good credit score open…