Fintech in 2025: Where the Industry Goes Next - The State of Credit in 2025

Fintech Takes

Welcome to the Fintech Takes Podcast, live from Money 2020.

Today, we’re diving into the state of credit—a topic I’m passionate about—but I’ve brought in two experts to lead the way. Joining me are Matthew Goldman, publisher of Cards for the Win and founder of Totavii, a consultancy for building fintech products, and Todd Pollak, CRO at Marqeta.

We'll unpack insights from Marqeta’s latest U.S. credit report and explore why credit cards are so weird–and why even satisfied customers are quick to switch on a dime.

With 3,000 credit cards on the market, differentiation is tough. So, who’s got the right formula for success? As fintechs chase profitability, credit cards are being reimagined with embedded finance, but is convenience the key, or is there a hidden danger lurking in the drive for seamlessness?

From the "unsexy" stuff (loan servicing, collections) to the sexy innovations (virtual cards, digital wallets), we explore what’s next for credit and whether it’s time to rethink how credit works.

Teaser: The real value of credit cards isn’t the money…it’s something else.

Tune in to find out!

Transform your business with Marqeta's modern card issuing platform. Our open API platform allows businesses to instantly issue cards and process payments. Integrate end to end credit and payment solutions into your business processes using our modern card issuing platform. Learn more at marqueta.com

Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/

And for more exclusive insider content, don’t forget to check out my YouTube page.

Follow Matthew:

LinkedIn: https://www.linkedin.com/in/matthewgoldman/

Follow Todd:

LinkedIn: https://www.linkedin.com/in/todd-pollak-991b6/

Follow Alex:

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson

Twitter: https://www.twitter.com/AlexH_Johnson