PODCAST · business
Fintech One-On-One
by Peter Renton
Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more, tune in to Fintech One-On-One.
Episodes
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Building an Open P2P Network on the Debit Card Already in Your Wallet with Moov CEO Wade Arnold
Wade Arnold is the CEO and co-founder of Moov, the payments infrastructure company that brings every US payment rail together under a single contract and API. Last month Moov launched Moov Money, a real-time P2P product built with Visa and Mastercard that lets anyone with a debit card receive...
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Why Fintech 2.0 Means One Platform for Every Aspect of Your Money With Omer Ismail, CEO of OnePay
Omer Ismail is the CEO of OnePay, the consumer fintech majority-owned by Walmart and backed by Ribbit Capital, which now serves more than 7.5 million customers. He was last on the show in 2017, when he was running Marcus at Goldman Sachs. A lot has changed since then: we talk about why he left...
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Why LendingClub Became Happen Bank and What the Bank Charter Made Possible With CEO Scott Sanborn
Scott Sanborn is the CEO of Happen Bank, the company known until this summer as LendingClub. He is the first guest to appear on the show four times, and each visit has caught the company at a turning point. This time it is the rebrand: we talk about why the LendingClub name no longer fit, what…
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Mastering the Future of Finance With Michelle Beyo, CEO of Finavator
Michelle Beyo is the founder and CEO of Finavator, a consultancy that helps banks, fintechs, and corporates step into the future of finance. Her new book, Mastering the Future of Finance, just published this week by Wiley, breaks the industry into nine elements across data, trust, and technology....
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The Layer Underneath Payments, Treasury and FX with Vroon Modgill, CEO of Sokin
Vroon Modgill spent two decades in payments as an accountant, finance director and CFO before founding Sokin in 2019. The company launched as a subscription-based consumer remittance app and is now a B2B payments and treasury platform running across 170 countries and 70 currencies, growing 100% a...
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Why Upstart Is Building a Bank From Scratch Instead of Buying One With CEO Paul Gu
Paul Gu dropped out of Yale in 2010 to join the first class of Thiel Fellows, spent time at the quant fund D.E. Shaw, and then co-founded Upstart on a simple premise: the techniques Wall Street uses to price corporate risk should work at least as well on consumer credit. Fourteen years later, he...
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What is Missing From Instant Bank Payments With Arpit Goel, CEO of Root
Arpit Goel built his first company, Gamma, on a simple pitch: legacy data-loss-prevention tools took nine months to show value, and Gamma got customers there in two weeks. Palo Alto Networks acquired Gamma in 2021. Now Goel is running the same play in a completely different industry. Root is a...
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Acquiring Banks and Creating an Underwriting Moat in Mexico With René Saúl, CEO of Kapital
René Saúl spent seven years running an offline agricultural lending business in Mexico before selling it and pouring the proceeds into Kapital, a bet that the future of B2B fintech in Latin America belonged to companies willing to become regulated banks. Today Kapital is the largest B2B fintech…
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Why Enova Wants a Bank Charter, Not Just Cheap Deposits with CEO Steve Cunningham
Enova International has spent two decades using machine learning underwriting to serve consumers and small businesses who sit outside prime bank criteria, and its pending $369 million acquisition of Grasshopper Bank would give it a national charter for the first time. Steve Cunningham became CEO…
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Why Banking Fundamentals, Not Technology, Decide Who Survives in Sponsor Banking With Amanda Swoverland, President of Hatch Bank
Very few people in this industry have sat in all three of the seats that matter in the bank-fintech story. Amanda Swoverland started as a compliance examiner at the Federal Reserve Bank of Minneapolis, spent nine and a half years at Sunrise Banks rising to Chief Risk Officer, then joined Unit as...
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A New Intelligence Layer for Community Lenders with Mike de Vere, CEO of Zest AI
Mike de Vere runs Zest AI, a company that has been applying machine learning to credit underwriting for over two decades, starting with some of the largest banks on the planet and now serving a large share of the credit union market. Since his last appearance on the show three years ago, Zest has...
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Why Card-Linked Installments is a Better Form of BNPL With Nandan Sheth, CEO of Splitit
Nandan Sheth has spent 25 years in payments, building three growth companies along the way, including Harbor Payments (sold to American Express) and Acculynk (sold to First Data/Fiserv). He now runs Splitit, which takes a different path than most buy now, pay later providers: instead of…
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The $70 Billion Escheatment Problem for Banks, Fintechs and Crypto With Allen Osgood, CEO of Eisen
Escheatment is a $70 billion problem hiding in plain sight: every state, territory, and dozens of countries have laws that hand dormant and unclaimed accounts over to the government after three to five years of inactivity. Allen Osgood, co-founder and CEO of Eisen, left a five-and-a-half-year run...
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Why Accounts Receivable Is Fintech's Biggest Untapped Market With Caitlin Leksana, CEO of Fazeshift
Accounts payable has produced multiple billion-dollar companies, yet its mirror image, accounts receivable, remains almost entirely manual at most enterprises despite decades of software spend. In this episode, Caitlin Leksana, co-founder and CEO of Fazeshift, explains why AR has remained…
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Why the Best Fintech Companies Are Staying Private With Sahej Suri, Founder of Blue Dot Investors
Sahej Suri is the founder of Blue Dot Investors, a late-stage growth equity firm that invests exclusively in fintech across both primaries and secondaries. Before Blue Dot, he built his career at J.P. Morgan, TPG, and as chief of staff to Nigel Morris at QED Investors. In this conversation, Sahej...
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Why Full Autonomy Beats Co-Pilots for AI in Banking with Dimitri Masin, CEO of Gradient Labs
Dimitri Masin was one of the first 30 employees at Monzo, where he led AI and data science as the bank grew from 30 to 4,000 people. That vantage point showed him where the real work in financial services still lives: the manual, repetitive customer operations running behind the app. In 2023, he...
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How Navan Coded Company Policy Onto the Card to Kill the Expense Report with Yuval Refua
Yuval Refua is the Chief Product Officer at Navan, the global travel and expense platform he joined seven years ago when it was still just a travel booking service. Since then, he has built out its payments and expense products from the ground up, turning the company policy that used to live in a...
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Fintech Revealed: Deep Dive on Vertical Fintech with Increase and Tekion
This episode is part of our occasional Fintech Revealed series, where we do an extended deep dive into one topic with two industry experts. The topic today is vertical fintech, and I am joined by Matt Hennessy, the Business Lead at Increase, the modern banking infrastructure company, and Jamie…
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How Edge Focus Is Bringing Quant Trading Precision to Consumer Lending With CEO Elliott Lorenz
Elliott Lorenz took an unusual path into consumer lending, moving from applied mathematics and high-frequency trading into the business of pricing credit risk. Today he is the CEO and co-founder of Edge Focus, a technology-enabled private credit firm that sits between consumer lending platforms…
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What's Finally Changing to Help Catch More Financial Crime With Andrew Davies of ComplyAdvantage
Andrew Davies has spent more than three decades fighting financial crime, starting with sanctions screening tools for central banks in the mid-1990s and arriving at ComplyAdvantage after nearly 16 years at Fiserv. He sits at the center of one of the most consequential questions in financial...
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Why Embedded Payments is a Retention Strategy for Vertical SaaS with Joshua Silver, CEO of Rainforest
Joshua Silver has spent two decades in embedded payments. Before co-founding Rainforest, he built Patient Co, a healthcare payments business scaled to billions in processing volume and tens of millions of patients, then spent several years consulting with software founders on building their...
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How Figure Is Cutting Mortgage Costs from $12,000 to $1,000, with CEO Michael Tannenbaum
Michael Tannenbaum became CEO of Figure in early 2024, taking over from founder Mike Cagney and leading the company through its September 2025 IPO. In this conversation, we get into the mechanics of how Figure's blockchain-based platform competes with Fannie Mae and Freddie Mac, what it actually...
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Fixing the Broken Appraisal Model in Asset-Backed Lending With Thomas Galbraith, CEO of Barkr
Thomas Galbraith is the CEO and co-founder of Barkr, an AI-driven valuation platform for asset-backed lending. He spent his early career in high net worth insurance at AIG and AXA, where he grew comfortable with the challenge of pricing hard-to-value assets. That thread ran through every role he...
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Building the Bank-Grade Ledger That Payments Infrastructure Was Missing With Patricia Montesi, CEO of Qolo
Patricia Montesi didn't start her career in payments, she started it in car rental. After nine years at Alamo and National Rent-A-Car, she was recruited into fintech with zero industry experience. That outsider perspective became her edge, and she never let go of it. Today, she's the CEO and...
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The Case for AI as a Revenue Driver in Financial Infrastructure with Chris Walters, CEO of Finastra
Chris Walters is the CEO of Finastra, one of the largest financial software companies in the world, serving over 7,000 banks globally including 45 of the world's top 50. He joined the company a little over a year ago, bringing an unusually broad background spanning consulting, Bloomberg, The...
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Building a Profitable Neobank by Doing Everything the Hard Way With Ali Niknam, CEO of Bunq
Ali Niknam is one of fintech's most unconventional founders. He built multiple unicorns before turning his attention to banking, then self-funded Bunq with nearly €100 million of his own money before taking a single outside investor. That conviction paid off: Bunq posted €85 million in profit in...
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No Code Infrastructure and the Future of Lending with Timothy Li, CEO of LendAPI
Timothy Li, CEO and Co-Founder of LendAPI, has spent nearly a decade trying to solve the same problem: launching a lending product takes too long and costs too much. With LendAPI, he's built a no-code platform that lets banks, credit unions, fintechs, and retailers go from idea to live lending...
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Building the AI Enablement Layer for Financial Services with Kareem Saleh, CEO of FairPlay
Kareem Saleh is the CEO and co-founder of FairPlay, an AI enablement platform helping financial institutions test, tune, and monitor AI systems in production. Four years after his first appearance on the show, Kareem returns to discuss how FairPlay has evolved from credit model fairness into a…
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Jess Conroy, CEO of ROH, on Building the Financial Core Hotels Never Had
Most of us assume that major hotel brands have sophisticated financial systems running behind the scenes. In this episode, Jess Conroy, CEO and co-founder of ROH, explains just how wrong that assumption is — and why she's spent the last several years building the financial core that hospitality...
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Building the First Agentic Brokerage with Leif Abraham, Co-CEO of Public
My next guest on the Fintech One-on-One Podcast is Leif Abraham, the co-CEO of Public.com. Public has been carving out a really interesting niche in the brokerage space. They're not trying to be another discount broker competing on free stock giveaways. Instead, they're building what Leif calls…
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Non-Dilutive Capital for AI and SaaS Companies with Denada Ramnishta of Efficient Capital Labs
My guest today is Denada Ramnishta, the Chief Revenue Officer at Efficient Capital Labs. I've known Denada for over a decade, having first met her during her time at American Express where she was part of the early team building out merchant financing. She's been a consistent champion for...
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Amir Wain, CEO of i2c, on Turning Payment Declines into Trust-Building Moments
Payment declines happen millions of times a day, but how a financial institution handles that moment of failure can define the entire customer relationship. My guest on this episode is Amir Wain, the Founder and CEO of i2c, a global payments and banking infrastructure company he has been building...
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Transforming the Middle Layer of Banking with the CEO of Aliya
In banking, we often talk about the "front end" customer experience or the "back end" systems of record. But according to S.P. “Wije” Wijegoonaratna, the founder of Aliya, the real revolution is happening right in the middle. From his early days in the UK to his time in the high-stakes world of…
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Building a Community Bank for the Embedded Banking Era with Chris Black, CEO of Thread Bank
My latest guest is Chris Black, CEO of Thread Bank, a Nashville-based community bank that has been purpose-built around embedded banking. Chris came to banking by way of a career as an Air Force pilot, followed by time on Wall Street analyzing banks during the financial crisis, before eventually...
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Open Banking, 1033, and the Agentic AI Catalyst - Steve Boms, Executive Director of FDATA
Open banking in the United States has been on a long and winding road, and the journey is far from over. In this episode, I sit down with Steve Boms, Executive Director of FDATA North America, the trade association representing the fintech companies at the heart of the open banking ecosystem.…
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Why All Money Will Be On Chain in 10 Years With the CEO of Polygon Labs, Marc Boiron
What happens when all the world's money moves on chain? That's not a hypothetical for Marc Boiron, CEO of Polygon Labs, it's the company's mission. In this episode, Marc explains how Polygon is evolving from its roots as an Ethereum layer two into the blockchain for global payments, detailing two...
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From 70 Hours to Minutes: Vestwell CEO Aaron Schumm on Simplifying and Automating Savings
Aaron Schumm, CEO and Founder of Vestwell, knows firsthand how broken America's savings system is. When he tried to set up a 401k for his previous 30-person company back in 2010, the process was so difficult, expensive, and confusing that he decided to build a better solution. Today, Vestwell...
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Rate Caps, Stablecoins and the New Credit Infrastructure with Rhett Roberts, CEO of LoanPro
The financial system has run on basically the same payments rails for the past several decades. But there is new infrastructure being built today that takes advantage of the unique capabilities of stablecoins. In some ways, the future is already here as Visa has processed several billion dollars…
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Utah's Hidden Fintech Powerhouse: Ryan Christiansen on Building Bridges Between Academia and Industry
Ryan Christiansen has had one of the more unusual career trajectories in fintech, from managing credit portfolios during the 2008 financial crisis to leading bank integrations at Finicity during the early days of open banking, helping launch the Financial Data Exchange, and then making an...
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The Embedded Tax Revolution: Ben Borodach, CEO of april, on Building Tax Infrastructure from Scratch
I don’t know anyone who enjoys filing their taxes. It is something we begrudgingly do every April, or earlier for the well-organized, and it is usually a somewhat painful exercise. What if filing your taxes was easy, taking less than 30 minutes? What if tax planning wasn't a once-a-year chore but...
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Daren Guo, Co-Founder of Reap, on building stablecoin-powered infrastructure for global finance
Today, I sit down with Daren Guo, co-founder of Reap, the stablecoin infrastructure company and the world's largest stablecoin card enabler, processing over $6 billion annually. Daren shares his journey from being employee #90 at Stripe to building the next generation of financial rails based on...
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Darragh Buckley, CEO of Increase, on building the next generation of banking infrastructure
Today I'm talking with Darragh Buckley, the CEO and co-founder of Increase. If you've been following fintech for a while, you probably know Darragh as employee number one at Stripe, where he built the team responsible for moving money at a massive scale. At Stripe, he learned a crucial lesson…
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Jason Lee, Head of Chime Enterprise, on the transformation of employee financial health
Today's guest is Jason Lee, a fintech veteran who has been at the forefront of employee financial wellness innovation for nearly a decade. After co-founding and scaling DailyPay into one of the pioneering companies in earned wage access, Jason went on to launch Salt Labs, an innovative employee...
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Clive Kinross, CEO of Propel Holdings, on building a profitable fintech lender with just $4 million
Today I'm delighted to be joined by Clive Kinross, CEO and co-founder of Propel Holdings. Propel is one of the most successful fintech lenders serving underbanked consumers, and what makes their story particularly compelling is how they've achieved it: profitably, almost from day one. Since...
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Cristina Junqueira, Co-Founder of Nubank, on conquering Latin America and taking on the US
Nubank co-founder Cristina Junquiera joins the podcast to discuss one of fintech's most remarkable success stories, from a Brazilian startup that had customers begging to get off the waitlist to a publicly traded company serving 127 million customers and reaching 60% of Brazilian adults. In this...
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Jason Rosen, CEO of Prism Data, on how cash flow underwriting is transforming lending today
In this special episode recorded live at Money2020 in Las Vegas, we dive deep into what I think is the most transformative development in lending over the past decade: cash flow underwriting. I welcome back to the show Jason Rosen, CEO and co-founder of Prism Data (I last had Jason on the show…
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Davi Strazza of Adyen on banking licenses, agentic commerce, stablecoins, embedded finance and more
In this episode, I sit down with Davi Strazza, who leads Adyen's business in North America. Davi brings a fascinating global perspective on payments, having spent over a decade at Adyen working across Brazil and now the US market. We dive into how Adyen's banking license, which they've held since...
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Rich Clow of Bank of America on driving payments innovation at scale
In this episode, I sit down with Rich Clow, Head of Innovation and Strategy, Global Payments Solutions at Bank of America, to explore how one of the world's largest financial institutions is approaching payments innovation, such as instant payments and digital wallet technology. Rich shares...
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Lily Liu, CEO of Piñata, on creating a credit building and rewards program for renters
When it comes to paying for a place to live, the economic benefits have always skewed towards homeowners, with renters getting no credit for all their on-time rent payments. But that is changing today. Piñata is helping millions of renters across America build their credit score and earn rewards...
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Bill Capuzzi, CEO of Apex, on the critical infrastructure powering modern investing
Today, I sit down with Bill Capuzzi, CEO of Apex Fintech Solutions, to explore the critical infrastructure powering modern fintech investing. Bill shares the fascinating journey of Apex from its roots as a pioneer in API-enabled clearing to fractional share trading and becoming the clearing firm...
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ABOUT THIS SHOW
Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more, tune in to Fintech One-On-One.
HOSTED BY
Peter Renton
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Frequently Asked Questions
How many episodes does Fintech One-On-One have?
Fintech One-On-One currently has 652 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Fintech One-On-One about?
Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like...
How often does Fintech One-On-One release new episodes?
Fintech One-On-One releases new episodes frequently with a large back catalog of 652 episodes. Check the episode list for recent publication dates.
Where can I listen to Fintech One-On-One?
You can listen to Fintech One-On-One on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Fintech One-On-One?
Fintech One-On-One is created and hosted by Peter Renton.
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