1036. News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US

Feb 9, 2026

Guest

Chantal Swainston

Guest

Stephany Kirkpatrick

Guest

Dave Morris

Chantal Swainston, PR consultant and founder promoting women in fintech. Stephany Kirkpatrick, former Orum CEO and certified financial planner. Dave Morris, founder of Foundry OS building fintech platforms. They debate Nubank’s US charter push, Checkout.com’s Spotify payments tie-up, Starling’s US platform licensing and European expansion moves. Short, lively takes on strategy and market entry.

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ANECDOTE

NewBank Seen As A Behemoth Eyeing Regional US Starts

Dave Morris described NewBank as a "behemoth" that likely sees little value in partnering when it can control its own charter.
He expects NewBank to target regions in the U.S. with strong Latin communities, like California or Florida, to start regionally.

INSIGHT

Language As A Competitive Moat

Operating in Spanish and Portuguese gives NewBank cultural and linguistic advantages for millions of Spanish-speaking U.S. residents.
Language and culturally specific trust-building can be a decisive market wedge for foreign entrants.

INSIGHT

Optimizing Recurring Payments At Scale

Spotify appointed Checkout.com to optimize global recurring payments and reduce failures using Intelligent Acceptance and network tokens.
Improving a small percent of acceptance at Spotify's scale recovers substantial recurring revenue.

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