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Fintech One•On•One

Peter Renton

604 episodes

4 days ago

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 with their rent payments. In this episode, CEO and Co-Founder Lily Liu reveals how her company is transforming rent payments into a powerful credit-building tool by reporting on-time payments to all t...

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All content for Fintech One•On•One is the property of Peter Renton and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

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 with their rent payments. In this episode, CEO and Co-Founder Lily Liu reveals how her company is transforming rent payments into a powerful credit-building tool by reporting on-time payments to all t...

Show more...

Episodes (20/604)

Fintech One•On•One

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 with their rent payments. In this episode, CEO and Co-Founder Lily Liu reveals how her company is transforming rent payments into a powerful credit-building tool by reporting on-time payments to all t...

1 week ago

34 minutes

Fintech One•On•One

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 behind investment accounts for close to 25 million people across household names like Robinhood, SoFi, and Betterment. The conversation dives deep into what it takes to be a reliable infrastructure pl...

2 weeks ago

40 minutes

Fintech One•On•One

Jon Fry, CEO of Lendflow, on how AI is finally delivering on the promise of embedded lending

In this episode, I sit down with Jon Fry, CEO and co-founder of Lendflow, to explore how AI is transforming the embedded lending landscape. Jon shares his unconventional journey from building websites in college to becoming a key player in embedded lending, including the challenge of launching LendFlow in early 2020—just as COVID shut down the lending market. The conversation dives deep into how LendFlow's AI-powered platform is making lending more efficient and accessible, why the small busi...

3 weeks ago

37 minutes

Fintech One•On•One

Farooq Malik, CEO of Rain, on How a 4-Year-Old Fintech Became a Visa Principal Member Using Stablecoin Infrastructure

What if you could settle card transactions on weekends and holidays, reduce working capital requirements by orders of magnitude, and give fintechs global reach without the traditional banking infrastructure headaches? In this episode, I sit down with Farooq Malik, CEO and co-founder of Rain, a company that's quietly rewriting the rules of payment infrastructure by bridging traditional fintech and stablecoin technology. Farooq isn't a crypto evangelist, he comes from traditional banking and in...

1 month ago

38 minutes

Fintech One•On•One

Nuno Sebastião, CEO of Feedzai, on completely rethinking fraud management

Today we are focusing on financial crime and fraud management with the CEO and co-founder of Feedzai, one of the world's largest independent risk management platforms serving banks and fintechs. Nuno shares his fascinating journey from being the first Portuguese engineer at the European Space Agency to building a global fintech powerhouse with over 700 employees across four continents. The conversation explores how the fraud landscape has fundamentally shifted, where bad actors no longer targ...

1 month ago

39 minutes

Fintech One•On•One

Fintech Revealed: Understanding Small Business Credit With Nav

Welcome back to the occasional series on the podcast called Fintech Revealed. This is a sponsored show where we take a deep dive into one topic with a couple of industry experts. Today, we are focusing on small business credit with Levi King, the CEO of Nav and Gerri Detweiler, a credit expert and educational consultant. We provide listeners with a clear understanding of how small business credit reporting works and why it is so different to consumer credit. We talk about open banking and how...

1 month ago

48 minutes

Fintech One•On•One

Jordan Wright, CEO of Atomic, on building a framework for connected banking

There are not many fintechs that can say they work with nine of the top ten banks in the United States. Or that they are working directly on deep integrations with the likes of Apple and Amazon. Meet Jordan Wright, CEO and Co-Founder of Atomic, who can say all those things. While Atomic started in direct deposit switching, a now relatively mature fintech product, what they have been working on recently is truly groundbreaking technology. They have built what they call a “Payments Hub” and hav...

1 month ago

35 minutes

Fintech One•On•One

Kevin Nazemi, CEO of Charlie, on building a trusted fintech serving seniors

It is something of a mystery that virtually no fintech entrepreneurs have tackled one of the biggest markets there is: senior citizens collecting social security. Well, until now. In this episode, I sit down with Kevin Nazemi, CEO and co-founder of Charlie, to explore serving this large market. With over 60 million Americans in this demographic, Kevin explains why traditional banks and fintechs have largely ignored this population despite their significant needs. The conversation dives deep i...

2 months ago

39 minutes

Fintech One•On•One

Arad Levertov, CEO of Sunbit, on creating an offline BNPL leader

Today, I welcome back to the show Arad Levertov, CEO and co-founder of Sunbit (I last had him on the show in 2019), one of the leaders in offline buy-now-pay-later. From 2,000 retail locations in 2019 to nearly 30,000 across verticals like auto repair, dental, and veterinary services, Sunbit has achieved tremendous growth. But what I found most impressive is this: a 90% approval rate combined with low single-digit default rates. Arad reveals the secret behind these remarkable metrics lies not...

2 months ago

34 minutes

Fintech One•On•One

Joseph L. Breeden, CEO of Deep Future Analytics, on the hidden math behind credit risk

Today, I sit down with Joe Breeden, CEO and founder of Deep Future Analytics (DFA), for what is, in effect, a two-part conversation. First we do a deep dive into credit risk management and where it is falling short today and then we discuss AI monitoring and governance and how it is going to revolutionize software. The conversation covers why traditional machine learning models are missing critical components for accurate risk assessment and how adverse selection has dramatically impacted loa...

2 months ago

39 minutes

Fintech One•On•One

Joe Heck, US CEO of Zip, on the role of BNPL for America's underserved consumers

Buy Now, Pay Later (BNPL) has transformed how consumers approach purchasing, yet adoption in the US still trails markets like Australia and Europe. In this episode, we sit down with Joe Heck, US CEO of Zip, who brings somewhat of a contrarian perspective to the industry. Joe argues that BNPL isn't just another credit product, it's a financial tool designed for what he calls "underestimated Americans," the paycheck-to-paycheck consumers often underserved by traditional banks. With Zip achievin...

2 months ago

34 minutes

Fintech One•On•One

Jason Guss, CEO of Octane Lending, on building the number one powersports lender

In this episode, I sit down with Jason Guss, CEO and co-founder of Octane Lending, to discuss how the company became the #1 powersports lender in the country. The conversation covers Octane's early pivot from lender aggregator to direct lender, their dominance in niche markets, and strategies for thriving in challenging interest rate environments. Jason talked about how their early focus on good unit economics and then profitability put them in a great position during the challenging times of...

2 months ago

41 minutes

Fintech One•On•One

Violet Abtahi, CEO of Platonic, on building the next generation of financial infrastructure

Violet Abtahi is the CEO and Founder of Platonic, a company developing blockchain infrastructure to solve counterparty risk and privacy challenges in financial markets. With over a decade of experience in both traditional finance and blockchain technology, Violet transitioned from a mathematics background on Wall Street to building next-generation financial infrastructure. Violet argues that counterparty risk is the fundamental bottleneck preventing widespread adoption of blockchain-based fin...

3 months ago

40 minutes

Fintech One•On•One

Tomás Campos, CEO of Spinwheel, on building fintech infrastructure for consumer debt

In this episode, I sit down with Tomás Campos, CEO and Co-Founder of Spinwheel, a fintech infrastructure company that's revolutionizing how lenders and financial platforms access consumer credit data. With over 20 years in fintech, Tomás explains how Spinwheel can authenticate users and connect to all their liability accounts—credit cards, loans, mortgages, and more—using just a phone number and date of birth, achieving 95-99% coverage across different debt types. The conversation explores ho...

3 months ago

34 minutes

Fintech One•On•One

Paulette Rowe, CEO of Stax, on winning in embedded payments

In this episode of the Fintech One-on-One podcast, we talk with Paulette Rowe, CEO of Stax, a payments technology company that's making waves in the embedded payments space by taking a fundamentally different approach than many competitors. Rather than simply reselling services from payment processing giants, Stax has built and acquired the technology to own their entire stack, from gateway to clearing and settlement. This strategic decision allows them to move faster, provide better data, an...

3 months ago

39 minutes

Fintech One•On•One

Matt Potere, CEO of Happy Money, on building a great consumer lending business

As long-time listeners will know, I love the consumer lending space. So, I am delighted to welcome back to the podcast Matt Potere, the CEO of Happy Money, a position he has held since September 2024. Previously, Matt served as CEO of Sunlight Financial, which he took public via SPAC in 2021. With decades of experience in consumer finance across multiple asset classes, Matt brings deep expertise in credit cycles, risk management, and building successful lending platforms. In this episode, we ...

3 months ago

30 minutes

Fintech One•On•One

Sam Lewis, CEO of Fruitful, with a new approach to financial advice

In this episode, we are talking personal financial management, but with a human twist. Sam Lewis is the CEO and Founder of Fruitful, a fintech company reimagining financial advice for millennials and Gen Z. Fruitful offers a $98 monthly membership that combines certified financial planners (actual humans) with AI-powered technology to create personalized "money systems" that automatically allocate incoming funds across bills, spending, and goals. Lewis discusses his background at Mastercard a...

4 months ago

34 minutes

Fintech One•On•One

Arjan Schütte, Founder of Core Innovation Capital, on investing in financial empowerment

One of the fintech investing pioneers is Arjan Schütte, the founder and managing partner of Core Innovation Capital. He has been around fintech for more than two decades and has been an active investor for most of that time. I am way overdue in getting him on the show. In this conversation, we explore why 50% of Americans still live paycheck to paycheck despite fintech's growth, the dramatic transformation AI will bring to financial services (moving from advice to actionable help), and emergi...

4 months ago

33 minutes

Fintech One•On•One

Tim Newell, CEO & Founder of GreenFi, on building a climate-friendly fintech

In this episode, I'm joined by Tim Newell, CEO and founder of GreenFi, a climate-focused fintech that emerged from the ashes of Aspiration's consumer banking business. Tim brings a fascinating fintech and climate tech pedigree, having previously sold a solar financing company to SolarCity, run financial products at both SolarCity and Tesla, and even survived five years working for Elon Musk. When Aspiration decided to pivot away from consumer banking to focus on global carbon markets in 2022,...

4 months ago

37 minutes

Fintech One•On•One

Carol Hamilton, Chief Product and Strategy Officer at Provenir, on AI-powered risk decisioning

In today's episode, we have Carol Hamilton, Chief Product and Strategy Officer at Provenird. She discusses how AI-powered decisioning platforms are transforming risk management across financial services. She explores the critical balance financial institutions must strike between managing evolving risk threats and maintaining seamless customer experiences, a challenge that has become increasingly complex in today's uncertain macroeconomic environment. She explains how Provenir's platform help...

5 months ago

32 minutes