FINTECH TAKES

Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.

Not Fintech Investment Advice: EtherFi, Lunos AI, Circuit & Chisel, & Figure

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October 13, 2025

Fintech Takes x Pipe presents Vertical SaaS: Fintech Disruption by a Thousand Cuts Episode 4: Build, Buy, or Partner?

Welcome back to our new miniseries Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. In episode 4, we attempt to tackle the age-old question: build, buy, or partner? Hosts Alex Johnson and Luke Voiles (CEO of Pipe) sit down with A.J. Axelrod, VP Payments & Financial Services at Clio) […]

October 8, 2025

Fintech Takes: Gambling is the Biggest Threat to Consumers’ Financial Health

Welcome back to Fintech Takes. Listeners may remember my first audiobook experiment…well, we’re back, by popular demand! In our second ever Fintech Takes audiobook podcast episode, I take on the subject I can’t stop writing, thinking, and podcasting about (if you know, you know): gambling. In March, I published my deep dive essay on The […]

October 6, 2025

Fintech Takes x Pipe presents Vertical SaaS: Fintech Disruption by a Thousand Cuts Episode 3: Fintech Strategy

Welcome back to our new miniseries Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. In episode 3, we dig even deeper into the fintech strategy behind embedded finance within vertical SaaS (platforms that are the IDEAL distribution channel for B2B financial products). But how does the process of embedding […]

October 1, 2025

Fintech Recap: Plaid Pays Chase, FBI Circles BaaS, and FICO Tries AI

Welcome back to Fintech Takes. I’m Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula. First up: the uneasy détente in open banking is over. Jason and I haven’t had a chance to debrief on Plaid’s deal with JPMorgan Chase to pay for API access (so we do). Payments use cases remain the most […]

September 30, 2025

FT x Nova Credit Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 4: The Cash Flow Bureau of the Future

Hello, and thanks for joining us for the fourth and final episode of Cash Flow Conversations, a new miniseries sponsored by Nova Credit. In episode 4, I sit down with Chris Hansen, GM, Cash Atlas Solutions at Nova Credit. Chris has probably thought more than anyone I know about how cash flow data is going […]

September 30, 2025

Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 3: Saying “Yes” to More Underserved Consumers

Hello, and welcome back to Cash Flow Conversations, a new miniseries sponsored by Nova Credit. Episode 3 is my conversation with Matt Zalubowski, Chief Commercial Officer and Chief Marketing Officer at Atlanticus, a subprime lender focused on offering credit cards and personal loans. The challenge in this market is finding more ways to fairly and […]

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