Fintech One•On•One

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 a

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 digita

[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 car

When it comes to embedded lending, point of sale is really where the action is at. We have seen the explosion of BNPL volume over the last decade, but not every point-of-sale transaction is suitable for those platforms. Then we have banks, who have missed out on the credit card volume that has been lost to BNPL. Ideall

There is a looming retirement crisis in the US and in many other countries for that matter. A large portion of the population has no retirement savings at all and will have to rely primarily on social security for their retirement income, and the future of that program is shaky at best.  In fintech, not a lot of attent

Welcome to a new occasional series we are doing on the podcast called Fintech Revealed. This is where we take a deep dive into one specific topic with a couple of industry experts. In our first episode we are focused on one of my favorite topics: cash flow underwriting. I invited two of the leading credit experts, Kevi