Fintech Takes x SOLO Presents Source of Truth Episode 3: Hard Lessons Learned from the Trenches episode artwork

EPISODE · Sep 11, 2025 · 1H 7M

Fintech Takes x SOLO Presents Source of Truth Episode 3: Hard Lessons Learned from the Trenches

from Fintech Takes · host Alex Johnson

Hello, and welcome back to Source of Truth, a new miniseries sponsored by our friends at SOLO. This series is about information asymmetry; the enemy of financial services.  Until now, we’ve focused on theory: the broken data infrastructure we’ve inherited. In Episode 3, we move from theory to reality. I ask four veteran founders and operators: What are the most difficult challenges you face when building and scaling up a consumer or small business lending business?  What hard lessons can be learned from overcoming or in some cases failing to overcome those challenges? And what do those hard lessons tell us about the future of lending and data infrastructure in the U.S.?  These conversations are short but illuminating: expect war stories from the early days of well-known fintechs, insights and creative ideas for scaling up in our heavily regulated industry, and candid admissions about the problems they still haven’t cracked (and why). Guests (in order of appearance):  Luke Voiles: CEO of Pipe; longtime SMB lending operator & executive Rob Frohwein: Co-founder and former CEO of Kabbage  Jill Sheckman: former Global Chief Credit Risk Officer at PayPal; longtime credit risk executive at AmEx Brian Hamilton: Co-founder and former CEO of ONE; President at Coastal Episode 3 is your field guide to the real constraints operators face — and the data standards and product choices that actually moved loss curves, conversion, and access. Don’t forget to subscribe and catch more insights in upcoming episodes of Source of Truth! This miniseries is brought to you by SOLO. SOLO resolves and connects customer data across silos — so teams stop rekeying the same customer info for the hundredth time and finally move forward. Break the cycle at SOLO.one - That’s SOLO dot o-n-e. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson   Follow Luke: https://www.linkedin.com/in/luke-voiles/ Follow Rob: https://www.linkedin.com/in/frohwein/ Follow Jill: https://www.linkedin.com/in/jillzuckersheckman Follow Brian: https://www.linkedin.com/in/bthamilton/ Learn more about SOLO here.

Episode metadata supplied by the publisher feed · Published Sep 11, 2025

Hello, and welcome back to Source of Truth, a new miniseries sponsored by our friends at SOLO. This series is about information asymmetry; the enemy of financial services.  Until now, we’ve focused on theory: the broken data infrastructure we’ve inherited. In Episode 3, we move from theory to reality. I ask four veteran founders and operators: What are the most difficult challenges you face when building and scaling up a consumer or small business lending business?  What hard lessons can be learned from overcoming or in some cases failing to overcome those challenges? And what do those hard lessons tell us about the future of lending and data infrastructure in the U.S.?  These conversations are short but illuminating: expect war stories from the early days of well-known fintechs, insights and creative ideas for scaling up in our heavily regulated industry, and candid admissions about the problems they still haven’t cracked (and why). Guests (in order of appearance):  Luke Voiles: CEO of Pipe; longtime SMB lending operator & executive Rob Frohwein: Co-founder and former CEO of Kabbage  Jill Sheckman: former Global Chief Credit Risk Officer at PayPal; longtime credit risk executive at AmEx Brian Hamilton: Co-founder and former CEO of ONE; President at Coastal Episode 3 is your field guide to the real constraints operators face — and the data standards and product choices that actually moved loss curves, conversion, and access. Don’t forget to subscribe and catch more insights in upcoming episodes of Source of Truth! This miniseries is brought to you by SOLO. SOLO resolves and connects customer data across silos — so teams stop rekeying the same customer info for the hundredth time and finally move forward. Break the cycle at SOLO.one - That’s SOLO dot o-n-e. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson   Follow Luke: https://www.linkedin.com/in/luke-voiles/ Follow Rob: https://www.linkedin.com/in/frohwein/ Follow Jill: https://www.linkedin.com/in/jillzuckersheckman Follow Brian: https://www.linkedin.com/in/bthamilton/ Learn more about SOLO here.

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Fintech Takes x SOLO Presents Source of Truth Episode 3: Hard Lessons Learned from the Trenches

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This episode was published on September 11, 2025.

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Hello, and welcome back to Source of Truth, a new miniseries sponsored by our friends at SOLO. This series is about information asymmetry; the enemy of financial services.  Until now, we’ve focused on theory: the broken data infrastructure we’ve...

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