Fintech One-On-One

Embedded finance is a relatively new term in fintech but it getting set to revolutionize finance. Today it is relatively easy to add finance functionality either within a financial or non-financial firm. And we are beginning to see large brands embrace financial services as a way to increase engagement with their customers. I think this is a trend that is unstoppable. Our next guest on the Fintech One-on-One podcast is Nigel Verdon, the CEO and co-founder of Railsbank. Nigel has deep experience in the fintech space, this is his third fintech company, and he has created Railsbank to make it quick and easy to scale any financial use-case via simple APIs, which are at the heart of embedded finance. Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

The payments space was really the first sector within fintech to really get going. And while the payments pioneers like PayPal, Square and Marqeta (all more than a decade old) have brought us tremendous innovations there is a new wave of developments that will be reshaping the payments industry. Our next guest on the Fintech One-on-One podcast is Kevin Olsen, also known as the Payments Professor. His day job is as the SVP of Payments Solutions at VSoft but I wanted to get him on the show to give us a Payments 101-type session so we can learn how the payments system works and what new developments we should know about. Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

There are still more than 5,000 credit unions in this country and the vast majority of them are small. Few have large technology budgets but that doesn't mean they can't be at the forefront of technology innovation. Being small can make it easier for them to partner with fintech companies. Our next guest on the Fintech One-on-One podcast is David Tuyo, the CEO and President of University Credit Union, based in southern California. David believes that not only can credit unions compete, but they also have some inherent advantages over banks and even fintech companies. Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

The home mortgage space has been undergoing a transformation over the past couple of years. We have seen fintech lenders grabbing market share as they were best suited to grow during the pandemic when everything went virtual. There has been so much innovation that financing a home is no longer the long and painful process that it historically has been. Our next guest on the Fintech One•On•One podcast is Dan Snyder. He is the CEO and co-founder of Lower. They have been flying under the radar until recently but they are part of the new breed of fintech lender that is digitally native and growing rapidly. See the full show notes here: Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

With real estate prices at record highs all across the country, owning a home is becoming more out of reach for first-time homebuyers. For millennials and Gen-Z, saving enough money for a downpayment has become a huge challenge, much harder than it was for their parents or grandparents. A huge problem like this calls for a creative solution. Our next guest on the Fintech One•On•One podcast is Adena Hefets, the CEO and co-founder of Divvy Homes. They have created a unique pathway to homeownership by rethinking the much-maligned rent-to-own model. With Divvy, people can search for their dream home, and when they find it, make a compelling, all-cash offer on behalf of Divvy. Divvy will buy the home and then rent it back to them, with a portion of the rent payments being used to build equity. Full episode notes are here: https://www.lendacademy.com/podcast-311-adena-hefets-of-divvy-homes/Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

The expense management space is heating up. While it has not garnered headlines much in the past there has been a lot more attention focused on it in the last couple of years. Earlier this year we saw Bill.com acquire Divvy for several billion dollars and companies like Brex are unicorns many times over. But hardly one is focused on the middle market companies, those with 50 to 1,000 employees. Our next guest on the Fintech One•On•One podcast is Thejo Kote, the CEO and founder of Airbase. They have a differentiated offering bringing together bill payments, corporate cards and reimbursements within a single system that integrates deeply with the major accounting systems. For the full notes of the episode go here: Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

The home insurance industry has been dominated by legacy insurance carriers for decades. These companies are still doing business the same way as last century with a primarily transactional relationship with their customers. But there is a new breed of insurtech companies that are challenging the status quo and doing so in remarkable new ways. Our next guest on the Fintech One•On•One podcast is Assaf Wand, the CEO and Co-Founder of Hippo. Hippo just went public this week (under the ticker HIPO) when they completed their SPAC merger and are set to become a major force in home insurance. Their approach is fundamentally different that will become apparent as you listen to this episode. Full episode details are here: https://www.lendacademy.com/podcast-309-assaf-wand-of-hippo/Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

In many ways the racial wealth gap has it roots in the financial system. It was one the driving forces behind the Community Reinvestment Act of the 1970s but clearly that did not solve the problem. We need radical new solutions that get to the heart of the problem and one of those solutions is more home ownership for minorities. Our next guest on the Fintech One•On•One podcast is B.C. Silver, the CEO of ChangeFi and President of The Change Company. ChangeFi is the digital banking arm of The Change Company and they call themselves "America's CDFI" with a focus on providing equal access to the American Dream. Full episode notes are here.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

While America remains the richest economy in the world it is also the one where it is the most expensive to be poor. I have written about overdraft fees before (here and here) and that is one of the real problems with the banking system that is holding people back that live paycheck to paycheck. But it is about more than overdrafts, it is about expensive bank accounts and payments that take too long to clear. Our next guest on the Fintech One•On•One podcast is Aaron Klein, a senior fellow in Economic Studies at the Brookings Institution. He speaks and writes frequently on topics concerning economic equality and the flaws in our banking system. He is someone I have followed and admired for years and I was delighted when he agreed to this interview. Full episode notes here.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

The freelance market in the U.S. is huge and it continues to grow. During the pandemic as millions of people were displaced from their regular job, many decided to supplement or replace their income with freelance work. These people have unique needs when it comes to banking, they are not quite a consumer and not really a small business. They are a bit of both. Our next guest on the Fintech One•On•One podcast is Lilac Bar David, the CEO and co-founder of Lili. Lili is a digital bank designed and built for freelancers. They claim to be the only app a freelancer needs to manage their finances with all the popular features that users have come to expect from a digital banking app and many unique services built just for freelancers. Full episode notes are here.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes