Shows / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Lucas and Luna dissect the forces reshaping how money moves — from the plumbing of real-time payments to the regulatory battles over open banking. Each episode focuses on a single company, regulation, or technology: the rise of embedded finance at Stripe, the transformation of Fiserv's core processing, or the SEC's latest stance on crypto custody. Lucas brings the numbers — market caps, fee structures, adoption curves — while Luna pushes on strategic trade-offs: incumbents versus neobanks, the…
Episodes
Fintech Conversations with Fexingo: Banking, Payments, and Financial Software CompaniesHow Bank Fraud Detection Is Evolving
We drill into the specific mechanics of how major financial institutions are moving from rule-based fraud filters to adaptive machine learning models that…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real Time Settlement Is Rewiring Merchant Cash Flow
Merchant settlement delays have long been a hidden tax on small business liquidity, but real-time payment rails are changing that dynamic. In this episode, we…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Embedded Finance Is Reshaping Small Business Payments
We examine how non-financial platforms are absorbing payment processing, effectively turning every software vendor into a bank. By looking at the economics of…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Banks Are Quietly Killing The Overdraft Fee
The era of the punitive overdraft fee is ending, but not for the reasons you think. In this episode, we look at how Federal Reserve Regulation E reforms and a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Buy Now Pay Later Is Quietly Killing Credit Scores
Buy now pay later lenders are flooding credit bureaus with hard inquiries, creating a new type of consumer debt trap. We examine how these fintech firms use…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Merchant Underwriting
We explore the shift from static underwriting to dynamic, agent-driven risk assessment in merchant services. Using a hypothetical mid-market retailer facing…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Merchant Underwriting
We dive into how AI agents are rewiring merchant underwriting by moving from static historical data to real-time behavioral signals. Lucas and Luna explore a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Buy Now Pay Later Is Reshaping Credit Risk
Buy now pay later has moved from a consumer perk to a systemic credit risk, and the data from October twenty twenty six shows why. We look at how BNPL lenders…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Biometric Payments Are Reshaping Retail Security
We dig into the rapid adoption of palm-vein and facial recognition payments at major retailers like Walmart and Amazon, analyzing how this shift reduces…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Banks Are Monetizing Your Idle Cash
We explore the quiet shift in retail banking where your checking account balance earns less than one percent while banks lend at seven. Lucas and Luna break…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Open Banking Is Rewiring Consumer Identity
Most people think open banking is just about moving money faster. It’s actually about identity. We look at how the UK’s Open Banking standard has shifted power…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Is Quietly Killing The Overdraft Fee
We break down the specific mechanics of how real-time liquidity modeling is replacing traditional overdraft protection, using a case study from JPMorgan Chase…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
The Hidden Cost of Algorithmic Underwriting
We talk about how financial institutions are using machine learning to assess risk, focusing on the opacity of these models. Lucas and Luna explore a specific…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Banks Are Monetizing Your Idle Cash
Most consumers leave thousands of dollars sitting in checking accounts earning zero percent interest, while banks lend that same money out at six to eight…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Digital Wallets Are Rewiring Small Business Cash Flow
We look at how digital wallets have shifted from consumer convenience to a critical operational tool for small businesses. Using Square as the primary example…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real Time Payments Are Quietly Killing The Old Banking Model
We look at why the speed of modern money movement is becoming the new moat for financial institutions. Lucas and Luna break down how instant settlement layers…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Capital Rules Are Reshaping Lending
We examine how Basel III endgame capital requirements are quietly altering the economics of small business lending. With major banks facing higher capital…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Data Portability Is Rewiring Consumer Choice
We explore the hidden mechanics of account aggregation and how new data portability rules are shifting power from banks to consumers. Lucas and Luna break down…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
The Silent Crisis In Merchant Settlement Delays
We explore why most businesses still wait up to two days for their card sales to clear, and how real-time payment rails are quietly disrupting this ancient…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Fraud Detection Is Evolving
We dig into the specific mechanics of how modern fraud detection systems are moving from rule-based flags to behavioral biometrics and real-time context…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Algorithmic Risk Pricing Is Reshaping Small Business Loans
Small business lenders are moving beyond static credit scores to dynamic, real-time risk pricing that adjusts loan terms based on live cash flow data. We…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Stress Testing Is Quietly Reshaping Lending
We look at the hidden mechanics of capital allocation in today's banking sector, focusing on how stress test results directly influence consumer credit…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Is Rewiring Merchant Underwriting
Most lenders still rely on static annual tax returns to assess small business creditworthiness, creating a lag that can cost companies millions in missed…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Embedded Finance Is Rewiring Merchant Loyalty
Most merchants treat payment processing as a utility, but embedded finance is turning it into a strategic lever. In this episode of Fintech Conversations with…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Supply Chain Finance
We explore how autonomous financial agents are transforming supply chain finance by moving from static credit lines to dynamic, real-time liquidity. Focusing…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Is Rewiring Financial Compliance
We dig into how artificial intelligence is shifting compliance from a reactive cost center to a proactive strategic asset. Using recent data from the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
The Hidden Cost of Embedded Insurance Models
Embedded insurance is supposed to make protection seamless, but who actually bears the risk when algorithms underwrite policies in real time? We look at how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Central Bank Digital Currencies Are Quietly Reshaping Payments
Lucas and Luna dive into the mechanics of central bank digital currencies, or CBDCs, focusing on how retail models differ from wholesale ones. They examine…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Stress Tests Are Quietly Reshaping Lending
The Federal Reserve’s annual stress tests are often treated as dry regulatory compliance, but they are actually the most powerful lever in modern monetary…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
The Hidden Cost of Instant Banking Fees
In this episode, we examine the controversial rise of overdraft fees and the industry-wide push toward mandatory cooling-off periods. We look at how major…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Algorithmic Pricing Is Reshaping Consumer Spending
In this episode of Fintech Conversations, Lucas and Luna explore the rise of dynamic pricing in everyday consumer goods. They examine how retailers use…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Open Banking Is Rewiring Consumer Wallets
We look at the mechanics of account aggregation and why the shift from read-only data sharing to write-enabled payments is changing how consumers manage money…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Liquidity Shocks Are Reshaping Commercial Real Estate
Commercial real estate lending is hitting a hard wall of maturity walls and deposit flight. Lucas and Luna break down why small regional banks are pulling back…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank Fraud Detection Is Evolving
We look at how major banks are shifting from static rule-based fraud systems to dynamic, AI-driven behavioral models. Lucas and Luna discuss the trade-offs…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Bank APIs Are Quietly Powering Modern Commerce
We dig into the unglamorous but critical world of banking application programming interfaces, or APIs. Most people swipe cards without thinking about the data…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Algorithmic Underwriting Is Reshaping Small Business Credit
We explore how small business lenders are replacing human underwriters with AI-driven credit models that analyze non-traditional data points like utility…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Dynamic Credit Limits Are Changing Small Business Lending
Small business owners often face a cruel irony: they need more working capital when sales surge, but traditional banks only review credit lines annually. This…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Auditors Rewire Financial Controls
This episode examines how autonomous AI agents are moving beyond simple data extraction to actively enforcing financial controls in real time. We look at the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Corporate Treasury Management
We look at the operational reality of autonomous treasury agents in late September 2026. The conversation centers on how large enterprises are moving beyond…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Auditors Rewire Financial Controls
Episode 189 digs into the operational shift from periodic financial audits to continuous, AI-driven monitoring. We examine how major banks are replacing annual…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Energy Grids Fuel Dynamic Electricity Pricing
The transition to renewable energy is rewriting the rules of power distribution, and it is creating a massive new market for dynamic pricing models. We look at…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Digital Twins Are Transforming Commercial Real Estate Lending
Commercial real estate is facing a liquidity crunch, but fintechs are using digital twins to solve the valuation gap. We explore how building-level data—energy…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Auditors Are Rewiring Financial Controls
We look at the shift from periodic financial audits to continuous, AI-driven monitoring. Using examples from large enterprise tech firms and mid-market banks…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Automate Invoice Reconciliation
On this episode of Fintech Conversations, Lucas and Luna examine how autonomous AI agents are replacing manual accounts payable workflows. We focus on the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Embedded Finance Is Rewiring Merchant Operations
We examine how point-of-sale systems have evolved from simple transaction processors into full-service operating systems for small businesses. By looking at…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Supply Chain Finance
We explore how autonomous AI agents are transforming supply chain finance by moving from static factoring models to dynamic, real-time liquidity orchestration…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Biometric Lending Redefines Credit Access
We explore the quiet shift from static credit scores to dynamic, behavior-based lending powered by biometric and digital identity data. With September ten…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Biometric Lending Is Redefining Credit Access
We look at how biometric data is quietly reshaping credit underwriting in emerging markets. The focus is on how facial recognition and voice prints are being…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
The Silent War Over Bank Data Portability
We dig into the friction between open banking mandates and actual user adoption. Why do only a handful of consumers use account aggregation tools despite…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Corporate Treasury Management
Corporate treasurers are no longer just moving money; they are programming liquidity. We explore how leading firms use autonomous agents to manage cash flow…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Corporate Treasury Management
In this episode of Fintech Conversations, Lucas and Luna explore how artificial intelligence agents are transforming corporate treasury operations. They…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Digital Identity Is Reshaping Bank Onboarding
We dig into the mechanics of digital identity verification and why it matters for modern banking. Lucas and Luna explore how fintechs use biometric data…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Open Banking Is Rewiring Small Business Lending
Open banking is moving beyond simple data sharing into active financial management, but small businesses are still struggling to access capital. We look at how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Corporate Treasury Management
We examine how major banks and enterprise fintechs are deploying autonomous AI agents to manage corporate cash flow, rather than just analyzing it. Focusing on…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Card Swipe Data Fuels Dynamic Merchant Lending
We look at how merchant cash advances are evolving from blunt instruments into precision tools. By analyzing real-time card swipe data, fintechs can underwrite…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Card Swipe Data Fuels Dynamic Merchant Lending
We look at how fintech lenders are moving away from static tax returns and into real-time card processing data to underwrite small business loans. Using Stripe…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Seismic Data for Dynamic Quake Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time seismic data to power dynamic earthquake insurance. They dive…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Solar Data for Dynamic Energy Loans
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time solar data to create dynamic energy loans. They dive into the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time IoT Data for Dynamic Inventory Financing
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time IoT data from smart shelves and RFID tags to power dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Wind Data Powers Dynamic Energy Trading
Episode 169 of Fintech Conversations with Fexingo digs into the fast-moving world of dynamic energy trading. Hosts Lucas and Luna explore how fintechs and…