FINTECH TAKES

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

Fintech Recap: Bilt Breaks, BaaS Unbundles, and NY Flexes

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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 […]

September 29, 2025

Fintech Takes x Pipe presents Vertical SaaS: Fintech Disruption by a Thousand Cuts Episode 2: Customer Centricity

Welcome back to our new miniseries, Vertical SaaS: Fintech Disruption by a Thousand Cuts, sponsored by our friends at Pipe. Vertical SaaS platforms are experiencing major growth; they’ve become the operating system for every industry (with financial products and services baked right into workflows that SMBs already live in every day). Vertical SaaS wins because […]

September 26, 2025

Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data

Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We’re exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle. It’s risky to try something new; especially when said new thing has the potential to increase credit […]

September 26, 2025

Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 1: How Do Credit Risk Executives Think About Cash Flow Data?

Hello, and welcome to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. If you’ve followed my work, you’ll know that I’m obsessed with cash flow data (and underwriting more specifically). That’s because it has enormous potential to positively reshape consumer lending in the U.S. As banks, credit unions, and fintechs move from […]

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